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When approached in the wrong way, debt elimination can become frustrating and soul destroying.Unless you have a plan for dealing with your future expenses, you can be certain that any ‘spare money’ you use to pay off your debt today will be needed tomorrow for an ‘unexpected’ expense.November 22, 2004, Revised July 18, 2007, September 4, 2007, February 25, 2011 Before the financial crisis, it was possible for some home buyers to consolidate short-term debt into their purchase mortgage, usually to reduce their payments, often making themselves poorer in the process.After 2007, higher down payment requirements made it very difficult.Until a proper budget has been made, it is not possible to truly know how much money can be put toward the debt.A common mistake made, with the pressure of creditors, is to pay off more debt than can be afforded, putting the person in a position where they cannot pay their bills.Debt is such an easy thing to take on but paying it off can be infinitely harder.

This ends up putting people back into more debt as funds need to be loaned in order to pay these unforeseen expenses.The consolidation increases the loan from ,000 to ,000, and the ratio of loan to value from 90% to 95%.If a 95% loan-to-value ratio remains within the lenders underwriting requirements, the consolidation will work, but if 90% is the maximum allowable ratio, it won't.Needless to say, their credit card becomes their only option for paying their bills, and so the cycle continues.Too often we see people who are throwing surplus funds at paying off their personal debt only to find that an unexpected expense or emergency comes up and they don’t have the funds available to cover, so once again the credit card or overdraft facility gets another work out.

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