Debt Consolidation-Tips On Debt Consolidation Loans, Credit Card Debt Consolidation, And Non Profit Debt Consolidation

Franc Carey asked:


Can anyone tell me about debt consolidation companies and their services?

Scott Taps

grimseraphim asked:


How can I lower interest on credit cards? and lower the minimum payment?
I am working with a non-profit to help people in the community with debt consolidation and budgeting. I am looking for tips, suggestions, strategies and proven methods for debt consolidation/credit counseling. Also, in need of assistance brainstorming for budgeting for people of various ages and lifestyles including money saving ideas on:
mortgage/rent
homeowners/renters insurance
property taxes
home repairs/maintenance
home improvements
electricity
water/sewer
natural gas/oil
cable bill
internet service
telephone land line
cell phone
college tuition
groceries
eating out/restaurants/lunches/snacks
child support
alimony
day care/babysitting
insurance(medical,dental,vision)
medical expenses/ co-pays
Fitness(yoga, massage, gym)
car payments
car gasoline/oil
auto repairs/maintenance/fees
auto insurance
transportation(tolls, buses,subway)
credit cards
student loans
other loans
clothing/dry cleaning
toiletries, household products
gifts/donations(e.g.)church
grooming(hair, make-up, other)
miscellaneous expenses
Please any help is greatly appreciated!

Winter Hules