Very few people actually feel that their financial situation is as healthy as it should be, even although they are working long hard hours at work every week, including working sometimes at the weekends. They are of the opinion, that if they work hard five and sometimes up to seven days weekly, they should have sufficient money left to enjoy their few leisure hours.

It has been several years since you managed to go on a good holiday, and you are missing the beauty and scenery you used to enjoy in your favourite country of Italy, with it's great food and excellent wines. How you you used to enjoy sitting on the balcony of your hotel overlooking the blue sea in Sorrento with the balcony at the front of your room over looking the main square

Even although your kids have weekend jobs once more, and are paying for some of the family food with their earnings. you still do not have enough spare cash.

You simply have acquired too many debts, mainly on credit cards which you used to survive the credit crunch. Sometimes, during that tough economic period you would not have managed to pay utility bills, and sometimes even put food on the table, without credit cards.

Although they were handy when money was scarce, credit cards have terribly high rates of interest that make them difficult to cope with when they are near their limit, and you will get into a state of deep depression trying to cope with the burden of credit card debts.

There is a way to solve the problem of too much debt, and this answer is debt consolidation loans.

Debt consolidation loans are best sorted out by either secured loans or remortgages, if the person is a homeowner.

Homeowner loans or secured loans and remortgages are both home loans secured on the equity of a property, which among their many uses are excellent ways of arranging debt consolidation.