If you’re waiting on the latest Euromillions results — or any other type of lottery, for that matter — you might be led to actually be waiting on the money to the point where you shut out all other thoughts on the personal finance front. That’s not a good idea at all, especially when you’re in debt. However, we can’t say that you’re not in good company at all. There are a lot of people that dream so much in winning the lottery that they don’t think about the solutions that they could turn to right here and right now to take care of their debts. Don’t be one of those people. Don’t give up on your chances of fixing your debt problems. You don’t have to win the lottery to start walking the road to a better financial life. Here’s how to get things started; debt consolidation.

Yes, it’s true: debt consolidation really can kickstart your financial blueprint. The way it works is that all of your debts are rolled into one, thus lowering your monthly payments. You will also be paying a lot less interest, which is the top reason why so many people end up getting so far behind in the first place. They get so wrapped up in the interest that the principle never really gets paid off. That’s why it’s possible to pay the minimum on a credit card for years and never really get anywhere.

Getting into a good debt consolidation program can be tricky, because it means that you’re going to have to get all of your creditors to agree. However, if they realize that you’re in a situation where you’ll either pay per the payment plan or stop paying anything, they’re going to want to make as good of a deal as they can. You just need to make sure that you take action.

Yes, it’s all well and good to hope that you win the lottery — and you very well could come into that type of money. However, you’re much more likely to actually get things done via debt consolidation than anything else. Make sure that you tap into this method as soon as possible.

Once you are on a debt consolidation plan that works with your budget, the results are going to be incredible. Instead of being strangled by debt, you’re going to put debt back in its place soon enough. Over time, your debts will vanish and you’ll be out of debt before you know it — which is exactly where you want to be!