Each night you fall into bed completely exhausted after a long hard day at work, and you find yourself wakening up after only a very few hours of restless sleep. You are so restless thinking about your finances. You know that you have not much money. At the end of each month you have hardly anything left.

Suddenly it came to you in a flash of light the reason why there is never any money left. It is due to the fact you have too many separate pieces of debt in loans and credit cards that you cannot manage any more..

The high priced objects , which you considered that you needed, are certainly not worth the high cost in all the worries you have to pay and all the problems that you have had. Now all the personal loans, credit cards, etc. are now spiralling out of control and you cannot cope with them

You have a credit card which costs you a minimum repayment each month of 400 with a limit of 12,000 and a balance at the limit, and when you took it out to pay for a luxury far flung trip vacation you thought that it was worth it, but you think differently now .

At the time of applying for the card that paid for the holiday, the payment was certainly affordable, but once you add the 240 pounds to the other cards that add up tp more than 30,000, the total repayments to be made monthly become too much to be able to handle.

Before when you looked out of your window you enjoyed admiring the top of the range car in your drive way, but it no longer looks the same to you when you consider that the car costs you more than 760 every month in a car loan.

If you own your home, you do not need to toss and turn in bed at night thinking and constantly worrying about your financial problems and shortage of money, as there is a way of tidying up your finances as well as making them into one manageable payment monthly in addition to saving money.

This is not by means of magic, but it is a nice little expression called debt consolidation, which involves using a debt consolidation loan to put all debt into the one payment monthly in the place of many diferent payments . Debt consolidation allows one much lower repayment.

The best way to achieve debt consolidation is by either remortgages or secured loans which are also known as homeowner loans, and what these become are consolidation loans.

At this present time remortgages cost from 1.84% and secured loans from 9%, and the savings to be gained are so great when you consider the rates for credit cards and hire purchase, etc.

Looking to find the best deal on secured loans, then visit www.championfinance.com to find the best deal on a remortgage for you.