You need information in order to predict the effects that a debt elimination plan will have on you. You need information on just how much a debt elimination plan could change your life. This will let you judge whether a debt elimination plan will be the best thing for you. It will also help motivate you by showing you just how much progress you have made in achieving your goal to get rid of your debt. b) Efficient - Even though the plan is easy, it should try to achieve the goal of eliminating your debts as fast as possible. A plan should make full use of what resources you have available in order to achieve a goal. 2) Negotiate - Debt elimination services should help you negotiate with your creditors in order to reach an agreement concerning your debts. The end point for these things is the signing of debt consolidation strategies especially when dealing with the concerned lenders and then figuring out which will be the very best payment scheme option available will work out right. Debt elimination calculator is like a software used in computing for the credit card debt consolidation options. Whatever you do, do not go for a last minute shopping spree just to say goodbye to your credit card. If you want a debt elimination strategy to work, you need to implement it now. You need to just put down those credit cards and walk away. Do not kid yourself by saying, "but I can do that anytime I want to". Do not be taken by the glitters of the special offers in stores. They will only lure you towards another set of debts. Keep track of your expenses. If you keep a record of your everyday expenses, you will see the progress of your debt too. If you are taken back to your senses, for sure you will be able to control your overly spending habits. Playing for a lesser interest rate in debts by means of debt consolidation can also appear to be risky so it is only proper to handle the issue with an utmost care. It is always wise for you to weigh things and consider all of the possible and available options that come your way. More so, some debt consolidation firms may charge really skyrocketing fees.