A good time to consider debt consolidation.

A good time to consider debt consolidation.
I was sitting watching the TV this week when a ad came on promoting a leading bank's new credit card offering. It looked very attractive in that it offered a rate of less than 3% p.a. on your existing credit card balance when transferred through debt consolidation. With the global credit crisis upon us, credit card interest has increased significantly with many credit cards now charging 19% + for retail purchases and cash advances. That is very expensive money when compared with the rate of interest charged on a mortgage. Debt consolidation can improve your cash flow immediately. This leading lender however, is not promoting debt consolidation that will be to your benefit any further out than 18months. Sure you might only pay 3% for 18 months but then your credit card interest escalates to over 20% p.a. If you have a cash flow problem the 3% p.a. might look beaut but how are you going to manage when the rate is 20.74%? Rather than jumping from the frying pan into the fire one of the best solutions for you is to wrap up your unsecured credit card debt which will always be high no matter who you are with -  into your secured home loan.
Because of the credit crunch interest rates have been dropping �C we saw a 1% p.a. drop in October 2008 followed by a further 0.75% interest rate reduction in November. Mortgage interest rates are now again below 7% p.a. variable and there is every likelihood that they will reduce even further. So why take a short term quick fix solution and transfer your credit card balance to a 3% rate when you can remedy your problems for the long term through debt consolidation with your mortgage  �C add the credit card balance to your home loan debt and reduce your monthly cash outlay significantly and for the longer term.
Another costly outgoing is car lease repayments. Debt consolidation can help here as well. The lease payments on your car are generally at a much higher rate of interest than your home loan �C cars are more likely to disappear than a property and are therefore a riskier lend for any financier. Through debt consolidation you can pay out the higher interest rate lease and reduce your monthly outgoings so that you are not under so much financial stress. Improved cash flow is the main upside of any debt consolidation exercise and it really should only be considered if you genuinely believe that you have to retain your car and credit card but in doing so you jeopardise your mortgage repayments. If you can sell your car and not have it impact too greatly on your work or lifestyle then rather than debt consolidation take this more financially sound path. A lot of people however rely on their car to get them to work so it is simply not a proposition to be without one.
There are downsides to debt consolidation. The negative aspect with debt consolidation is that you are converting short term debt to long term debt. While the debt consolidation reduces your monthly outgoing you will be paying that lower monthly outgoing for a longer period of time. Debt consolidation will usually mean that you will pay more interest than you would have under a short term loan but it will be easier on your cash flow because repayments are smaller. Smaller payments over a longer period of time. A car lease is usually for a maximum of 5 years at the end of which you usually sell the car and pay out any residual. The sale price of the car at the end of 5 years is normally the same if not better than the residual value so you are not having to put your hand I n your pocket when you sell. After debt consolidation, if you decided to sell your car at the end of 5 years then is it more than likely that you will not have paid off nearly as much of the car's price �C in other words after 5 years you owe more than the car's residual value because you have not been paying it off as quickly. Be careful with debt consolidation �C make sure it is  the right choice for you.
Raymond Gray
 
 
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