As someone who is perpetually broke, I’ve become a frugal gamer. If I buy a game, then it must be really something special to me. My financial status has made me take notice of quite a few good free games online. There are plenty of quality casual games online.

I’m terrible with finances but good with video games. If those two worlds could collide, I think I would finally start accumulating wealth. Before I can do that, I have to get my bills paid off. I’ve been looking into several options.

One option is debt consolidation. It’s basically taking out a low-interest loan(second mortgage or home equity load) to pay off all bills, therefore, leaving me with just one bill to pay. Since you are using your house as collateral, should you get get behind on payment, your house could go in forfeit. While consolidation loans seem like a good idea, it’s wise to do your homework to know if it is the right solution since there could be hidden costs and other possible fees.

There is always bankruptcy but even that won’t eliminate all debt as some things like student loans are excluded. Bankruptcy stays with you for what seems an eternity and can interfere with getting future credit. Bankruptcy may not be the best option either at this time.

The one thing I am certain is I want to commit to getting out of debt. I know it’ll be hard work whichever route I take but the goal of financial freedom is definitely worth the struggle.