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You would love to pay off debt completely. Getting in this situation wasn’t your choice. And you believe that there’s not much you can do about it now unless money starts growing from trees.

Are these excuses holding you back from paying off debt completely and becoming financially independent? Even if these potential excuses seem out of your control there are other solutions. It’s going to get easier. Do any of these situations sound familiar? If so, keep reading to find out how you can pay off debt quickly and easily.

The good news is that you can do it even with the income you already have. It doesn’t matter if you’re broke or unemployed.

Excuse #1: I Have Too Many Creditors!

Yes, keeping up with multiple creditors and bills each month can become overwhelming. But this problem won’t solve itself. In fact, it may only get worse. Imagine having only one payment and eliminating all of your outstanding bills. Sounds good, right? It’s easier than you think. Keep reading to find out how.

Excuse #2: My Credit Card Interest Rates are Ridiculous!

It’s no secret that credit card companies are profiting from your unfortunate financial circumstances. When they charge over 20% interest on credit card balances it can be a frustrating experience trying to pay off debt. The debt continues to grow while you continue to make payments. What gives? Is there a way to beat credit card companies at their own game? We think so…

Excuse #3: I Can Barely Make My Minimum Payments!

When you’re scraping by trying to make your minimum payments each month even thinking about paying off debt seems unreasonable. After all where will the extra money come from? Getting ahead on credit cards, car payments and bills is no easy task. How can you find a little bit extra money next month to start to pay off debt?

Taking Action – Pay Off Debt – Step #1:

One solution that thousands of families have used to solve their financial problems is debt consolidation. By combining their outstanding bills into one new loan they only have to make one payment every month. Plus, by consolidating debt it’s possible to lower interest rates, extend repayment, and reduce monthly payments.

First, begin by adding up your outstanding debts. Include everything: car loan, credit cards, personal loans, payday loans…. everything. Be sure to write down the interest rate for each too. If you did it, congrats on taking action! If not, bookmark this page and go do it now!

Instead of making excuses, it’s time to take action! You can apply for a debt consolidation loan online. And, with peer to peer lending it’s completely anonymous.

Excuse #4: I Only Have One Household Income!

With only one monthly income but multiple mouths to feed there never seems to be enough money to go around. In fact, some months you might spend more than you earned.

Today there are more single parents struggling to get by then ever before. Not only do they have to work a full time job (sometimes multiple jobs) but they also have to take care of their children. Many need to pay for childcare while they’re at work. Unfortunately many are left without financial help from child support. Any extra money available each month usually goes toward putting food on the table and unplanned expenses.

How can you start paying off debt and get ahead? Even with only one income it’s possible!

Excuse #5: I Need to Put Food on the Table!

You may be eager to start paying off debt and changing your spending habits. But the sad truth is that you still need to put food on the table. Providing for your family is your primary goal. There are no exceptions.

When you need to take care of your family, paying off debt usually takes a back seat. But, it doesn’t have to be this way. You can have your cake and eat it too! You might be wondering how this is possible. Keep reading and following the action steps. It’s that easy!

Excuse #6: I’m Behind on My Payments!

How can you pay off debt when you continue to fall behind on payments? The late fees and finance charges continue to pile up making it even harder to get ahead. This might not have been your fault. If you miss a payment by only a few days even by accident, the late fees will be inevitable. How do you get out of the almost never-ending process?

With a debt consolidation loan you can pay off your current bills and start fresh. Only one creditor to deal with and a lower monthly payment. No more late fees or finance charges. It’s time to get back on the right foot.

Excuse #7: I Need Breathing Room!

Even if you can pay your bills and put food on the table every month, you may not feel like you have any breathing room. What if you want to treat yourself or take a vacation? After all you’ve been working hard and you deserve a break.

The good news is that it’s possible to give yourself extra breathing room and pay off debt at the same time. A lower interest rate consolidation loan can help lower monthly payments while making more of your money go towards loan principle instead of just interest.

Taking Action – Pay Off Debt – Step #2:

After you’ve added up your current bills and their interest rates, it’s time to start shopping! For loans, that is. Once you have your total monthly obligation written down you can start looking for a debt consolidation loan that will help bring down your monthly payments.

An easy place to start is with peer to peer lending. If you’re not familiar with this new platform let me explain briefly.

Peer to peer lending is unlike a traditional bank. It connects borrowers with individual investors online and bypasses the bank completely.

A borrower can post an anonymous loan request online for free. Then, investors can choose to fund the loan with as little as $25. Once the loan amount is reached, the loan gets dispersed to the borrower.

The loan money can then be used to pay off all outstanding debts. From this point on the borrow will just make one payment each month to start paying off the new loan.

What excuses are you making that are keeping you from reaching your goal to pay off debt?