• Are your monthly debt payments getting out of control?

• Do you have any savings…or is all of your high interest debt destroying all hopes of saving for the future?

• Do you and your spouse often fight about having no money? (the # 1 cause of divorce)

• Are you worried about how to send your children to the best possible colleges?

• Do you worry about your retirement?

If you answered yes to any of the questions above, you need to explore consolidating your debts!

There is only one thing worse than not managing your mortgage and that is not managing your expensive second mortgages, credit cards, car loans, and other personal debt. 

The average American family has 11 credit cards!  This is suffocating the American Dream of paying off your home and having no debt for retirement. 

What should I do first:  pay off debt or save money/invest?

Financial planners, accountants, and millionaires generally agree that paying off debt is the crucial first step on the road to financial freedom.  Especially with today’s poor interest rates on checking, savings, certificates of deposit, and money market accounts, it makes no sense to put money away regularly into these accounts when your family is in debt to credit card, car loan, and second mortgage companies. 

Refinancing your mortgage is often the best and fastest way to eliminate your personal debt, since it is usually unrealistic and painful to try to pay off debt that may have taken years to slowly accumulate.  A new low-interest loan can often dramatically cut the losses you and your family are suffering with high interest debt.

Note:  even if you have no personal debt, you still may be like millions of others who have no “rainy day fund”.  Can you weather a financial storm?