The plan that a debt elimination service will come up with should help you get rid of your liabilities without putting unnecessary pressure on you. 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. If you are taken back to your senses, for sure you will be able to control your overly spending habits. Take on another approach. You can cut down your expenses if you divert from your customary practice. Try abstaining from shopping until you drop. You can try out shopping during sales and at the wholesale shopping outlets. However, if you are in debt, you will only be working to pay off your liabilities. This means that the rewards of your work won't go to you, but to the financial institution that you borrowed from. This thinking limits your ability to work. When you work only to payoff your debts, you will find that you will be less motivated. Yes, it provides you with the assistance in finally summarizing the financial situation you are facing at the moment but all the debt consolidation calculator can offer you are purely estimations. The results created are often utilized for the evaluation of the most probable outputs of consolidating certain debts as they are geared towards an equity loan. This is of course very far from the truth. They will also likely say that there is nothing that you have to pay back and that you do not owe anything from them. They will also stress out that you will just have to follow their advice in eliminating your debt because the banks will not wish that such matter be disclosed to the entire public. In credit card debt elimination, you need to understand that completely paying off your debts may take time. If you try to pay off all of your debts at once, what are you going to spend for the future? What most people do today is use all of their money to pay off their past debts and then rely on their credit cards to meet their present needs.