Strategies for debt and cash flow management in a family budget include:

Consolidating all consumer debt (that is everything you owe, except for your mortgage) and making it a priority to pay it off in a timely fashion, getting reduced rates and maximizing your effort in wiping the financial slate clean.
Paying off high-interest credit cards first
Use a line of credit if you can as the interest rates are typically lower
Suspend any kind… Continue reading →