As the nation’s debt continues to be a catastrophe, several are turning to financial advisers on a recurring basis for Debt Consolidation Management advice. It raises the question as to if we really are doing all we can to relieve the strain not only for ourselves but for the whole country.

We lead such eventful, hectic lives that now and then we become disorganised. It’s very easy to let things slip when we don’t take the required time to organise our funds so that they work for us instead of against us.

As the amount of people entering into a Scottish Trust Deed or IVA is on the increase, maybe we are permitting life to stop us from living.

I consider myself a quite organised person but even I have missed the occasional bill due date. In actual fact I had one the other day. We use a credit card for petrol and at the end of the month we pay it off in full. Currently, I’ve been working hard of late, and have been distracted. I’ve also been very run down and have been picking up virus after virus.

At such times planning goes out the window. Therefore as it happens I ended up paying the petrol bill a few days too late. Oh well I thought, I will just have to pay a little bit extra when I pay the next one, as no doubt there will be a late payment charge.

So, the new statement comes through the post and I was quite taken aback to find I had been charged ?12 on an outstanding amount of ?117. Needless to say I won’t be forgetting again.

Can you imagine what it must be like if we are simply making minimum repayments each month and then paying a little too late. We are already struggling without our Debt Consolidation Management skills being wreaked by a lack of organisation.

So can we become more efficient? Anxiety is always going to attack us on some level. The best we are able to do is to make sure that we have budgeted enough so that we are conscious of what is occurring with our finances.

For example, do we know how much we owe on our credit cards? If truth be known, maybe we don’t like to. Because of this we pay things of in dribs and drabs not realising that in the long run we are making things more hard for ourselves.

A Debt Consolidation loan or transferring debt onto just one card may make our way clear a little. By having one payment going out each month rather than half a dozen going out at different times, we become less concerned about our finances.

It makes us conscious of how much debt we are in. If we don’t know how much we owe in the first place we certainly won’t know when or how it’s going to be paid off. Sooner or later this will catch up on us, so a Debt Consolidation loan will help us budget more effectively.

If life is treating us unfairly, which the majority of the time it does, then it is paramount that we become organised. Even if it means we face bankruptcy or entering into a Scottish Trust Deed as a form of insolvency, then better to deal with it now.

The future is going to be upon us before we know it. Wouldn’t it be nice to know when it does arrive that we’ve completed the demanding graft of paying off our debt so that we can enjoy it?