Begin Budgeting
Pay bills immediately
.Recognise your debt as a total sum
you may use several debt vehicles like credit cards, personal loans and overdrafts. Depending on the type of debt, the levels of interest you have to pay varies. Manage your debt by eliminating your higher interest debt. This does not mean getting rid of your credit cards. This means shopping around for better products in the market. Don't settle for a credit card charging 25% interest when you can have a credit card charging 10% interest. You can also sometimes replace the debts which charge higher interest with a loan which is at a lower interest rate (such as replacing a credit card with a personal loan).
Set up automatic debits from your accounts for over the minimum payments
@lyndandej wrote:
I have an Auto loan with high interest rate. I would like to reference it
That may be a good idea as long as you don't also increase the payment length. (Don't turn a 5 year loan into a 7 year loan to get a lower payment, it isn't worth it in the long run and you don't want to be making payments on a beater.)
Check with your local banks, or credit unions. Your auto insurance provider may offer loans. If you are a member of an auto service club like AAA, they may offer loans in your area.
Your ability to qualify for a loan on a used car will depend on your credit, your other debts, and maybe the age and condition of the car.