I do no believe we ever really have enough money at least I know that I don’t because if I did, I definitely would not have any bills to pay on each month. My house would be bought and paid for and my car as well plus I would make provision for my child’s college education in the future because I would make sure my daughter would have it easy that way.I guess my bills would generally consist of this week’s groceries, and the utilities and I have to say, this sounds pretty ideal when I think about it. Life does not generally treat us average people that kindly so I guess we will just have to dream.Very, wealthy people are few but it is amazing how their lives affect ours. Having said this it is not necessary to be completely poor and in debt because personal debt consolidation loans are available to relieve the financial burden many of us face.Other than old college student loans and general expenses, credit cards are the real problem for many. My college loan was my first foray into financial debt, quickly followed by credit cards. It is amazing just how quickly debts increase and when I totaled up the cost of my education including the credit cards as well it reached over 32,000 dollars.By the time I left college, somehow I had managed to accumulate a debt of nearly 25,000 dollars and I hadn’t even started work yet! Now many Americans believe there is nothing wrong with having large debt but I beg to differ. Who wants to live their life in permanent debt because it is the crappy way if you ask me? The monthly repayments became horrendous so it just seemed logical to arrange a personal debt consolidation loan and end the possible years of debt for good.You see, when it came down to it, most of my concern was the interest rates and although the student loans weren’t terrible, I knew they could be better. It may not seem like much when you acquire your first credit card but it doesn’t take long to acquire more and they all have interest rates that are through the roof. I managed to find a company after some careful online searching that took about four or five days but it was worth the effort as I managed to completely clear the debts with just one consolidation loan. Within a very short space of time I had the money in my bank and had sent off checks to clear all my debts and all with a loan with a lower interest rate.You too can find a debt consolidation loan to deal with your old bills. The high interest rates you are paying on your credit cards can be a thing of the past if you just take this advice. Of course, the success of this will depend on you destroying you credit cards once all your debts have been cleared!