It's a new year and the bad way to start one is if you still have bad credit left from the previous year. If you still do, you better start debt consolidation. This will really help you lower your bills and manage your debt better. With debt consolidation you can be charged for a lower and fixed interest rate for all your loans.

Changing your attitude about money is the secret to better management in your finances. In this commercial world where everybody seems to be buying themselves something everyday and every occasion it's hard to resist and not join the flow. I'm sure a lot of us spent a lot of money last Christmas and New Year but I hope we didn't spend beyond our means because it will surely result in debt. I chanced upon Suze Orman Tips on money and managing your finances. In case you don't know, Suze Orman is a financial guru, the host of the Suze Orman show, and author of several financial books. She is well-known for her no-nonsense advice on money.