Help!! I need some serious financial advise on this matter.?

I'am currently in debt big time due to poor financial decisions that I have made in the past. For the past several months, I have been living on a budget, but because I have so much debt that I'am paying on, I barely have enough money to live on and saving money is almost impossible. [...]

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Is it better to consolidate credit card bills with a higher interest or have multiple credit card bills?

I received an offer from B of A to consolidate all my bills but the interest rate is higher than any of my other credit cards but it would have a pay off date. I have a couple of credit cards that less than 5% rate interest until 2011 and there will be way I'll [...]

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