If you are using a credit card, you need to practice a lot of discipline to avoid trouble.
Gathering debt is easy with credit cards as you just might miss your payments or delay in them.
Once you keep your bills pending you would see how they multiply to an impossible amount and you find yourself in a complete mess! Most people resort to credit card loan consolidation as a quick way out of this situation.
However, it is wiser to stay away from this altogether.
The only way you can save yourself from being involved in debt and resorting to debt consolidation is by paying your due bills on time.
Thus, you would stand clear in your payments and would have no chances of spending extra money to compensate for late payments.
To avoid any chances of debt you need to be disciplined in your payments.
It would be a wise idea to cut down the number of credit cards that you use.
Thus with fewer bills to pay, there remains no chance of your falling into debt at all.
Now when you don't need to consolidate your credit card debt, you can shift your balances to the cards which come with lower rates of interest.
It would indeed be profitable if you minimize the use of cards with higher interests and shift their balances to those with lower rates.
Thus, your monthly expenses on credit card bills would be curtailed, and this would spare you some money for savings.
This monthly savings could be your resource for paying off your creditors and thus you can simply avoid any need for credit card consolidation.
This would actually cut down the total loan amount to be paid.
You can even avoid credit card debt and its resultant debt consolidation if you are careful in your spending habits in the first place.
Consider buying only what you need and not what you can easily do without.
Avoiding expenses on the luxuries, you can actually save a good amount of money each month.
This habit would ultimately do you good when you can use your own savings and pay off all that you owed.