HI MY NAME IS MANNY SANTIAGO I HAVE A CREDIT CARD AND LOAN THAT ADD UP TO 15,000 DOLLARS I ALSO HAVE A NEW CAR WHICH I PAY 397.00 PER MONTH THINGS ARE A LITTLE ROUGH AT HOME HOW DO I CONSOLIDATE OR GET OUT OF THIS.

You have credit card debt and I have a horrible body. I sit and eat at my office all day and am in front of a computer loading up webpages and answering credit questions all night. I weigh 220.

Sometimes I don't want to know how much I weigh. Credit card debt is similar. Those of you in credit card debt, sometimes never step on the scale.

I need an exercise buddie.

You need a get out of debt buddie.

Your get out of debt buddie (dump your shopping friends) helps you get stronger. I am just kidding but your shopping friends need to be seen outside the mall. Your debt buddie needs to want to get out of debt too. If you really want to rid yourself of debt, get a get out of debt mentor, i.e. someone who's been in debt and no longer is.

"Retail therapy" feels empowering because you are consuming something. Find a new elixir. I'd try jogging OR do what I really do and eat chocolate-- the same neurons fire off in your brain but the damage doesn't compound daily the way your APR does.

Until I get an exercise buddie, expect my weight to hover around 220.