Trying to improve financially...


New Member
Hi all,
It has been a bit long since I post something for myself/my needs.
I'm 29 and I sincerely trying to improve financially.
I've utilized 80% of my credit card and obviously, my score is too low. I had a car and I was forced to sell it at a lower cost( A few months ago I had an accident and due to some other personal issues I was forced). After that, I downgraded to another car but still have a loan! I earn $45k/year besides taxes.
It is nothing crucial, but I'm looking for debt consolidation procedures because I just want to refrain from paying monthly interest. I even had a telephone discussion with a nearby financial adviser.
So my question is- should I consider debt consolidation or do I just keep paying the interest? Which would be beneficial for my financial well being?