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You must be aware of all fees associated with the loan so that there are no surprises. You need to make sure that the debt consolidation loan you choose is one that will be helpful in getting you out of debt, rather than the reverse. There are many ways to make yourself happy during debt consolidation. For instance, plan to pay off your smallest debt. After ridding yourself of this pesky debt, go out and celebrate with a friend, but remember to not go overboard. Go out for dinner or go to the movies. Structure your budget around your monthly debt consolidation payment. That way, you know your bills are being paid first.Discount Ray Bans Whatever money you have after that can be dealt with later, but always make sure that you are paying your monthly debt consolidation payment before doing anything else with your money. Many people are struggling with their debts each day. 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