The New Year is quickly approaching, and it is that time to make resolutions for a better year. Many will swear to lose weight, others to give up smoking, and others still will promise to work harder or go back to school. Not enough people though make a resolution to get out of debt. It is quite strange if you think about it for a moment. Debt causes so much stress and anxiety, yet many are afraid to give it up.Well it is possible to become debt free and this resolution will not be one you will want to break come the next weekend. Taking control of your debt can actually become quite exhilarating once you begin to see the effects it has on your cash flow and savings accounts.Begin the year by considering a debt consolidation plan. Take all of your unsecured debts and combine it into one low interest debt consolidation loan. This process will reduce your debt and enable you to become debt free in a few short years.A debt consolidation expert will work with you to reduce your debts and consolidate them into one monthly payment. These counselors have the ability to negotiate for the removal of fees, reduction of interest and even a reduction of principal balance. Once a final amount is agreed upon, all your debts will be paid off and you will have one, low interest loan payment to make each month.In the first month you will see a great difference in the amount that is remaining in your bank account once your loan payment has been made. That extra money can be used for necessities or investing into your future. This process provides instant gratification and the results are long lasting.Once you have your debt under control it will be easier for you to keep it under control. When you have established yourself into “good credit mode” you will be able to make good decisions about future credit purchases. You will find it much harder to go into debt because of the enjoyment you have being out of debt.You can make a difference in your finances in the New Year. Make the resolution to take control of your debt and consolidate your bills into a simple monthly payment. You will be debt free in a very short period of time. It is a resolution you will be happy that you made.