Get tips on debt management

Finding a solution to personal debt is not always easy. But it can be done, often through a careful debt management and consolidation programs.

Several Web sites provide insights on how to manage personal debt. Here are a few:

--Credit.com: Covers the pros and cons of debt consolidation and debt reduction options. http://www.credit.com/credit_information/debt_help/Debt-Consolidation-Th...

--Debt Direct: Discusses money management, changing financial habits and budgeting. http://www.debtdirect.org/debt-management-tips/

--Federal Trade Commission: Provides options for getting personal debt under control. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm

--Investopedia: Explores the causes of debt, and features five steps for defining your "personal debt redline." http://www.investopedia.com/articles/pf/07/debt-redline.asp

--SmartMoney.com: Article offers four debt management and reduction tactics. http://www.smartmoney.com/personal-finance/debt/live-debt-free-21847/