Even if your budget is tight and you can only put away a few dollars from each paycheck, it is always essential to put some aside for your “wants” rather than only budgeting for your “needs.”
Balance transfers are often a good option if you want to consolidate credit card bills and have one low amount with a lower interest rate than you were paying before.
If you have debt in collections that you cannot pay, debt negotiation is an excellent option to ease the tension of constant calls from debt collectors.