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You will not be the only person finding it more difficult each month to stretch your income to cover your mortgage, your loans and your credit cards. Many of your friends and colleagues will have the same problem, but probably not talk about it. One way you can reduce your overall monthly outgoings is to take an action called debt consolidation, whereby you bring a number of debts into one loan and make one outgoing payment each month. Your advisor on home loans in Cockburn and Kwinana can help you with this task.