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When it comes to debt consolidation, you need to practice techniques that are a little unique and very much focused on getting you out of debt within a stipulated period of time.You need to understand your financial goals and then create an outline of steps that you will be able to follow to effectively get the vision from that stage to reality. In some cases, the inclusion of a financial planner may be needed to assist you in reaching the end goal faster. And the worst part? The more you don't have the right skills the less you will succeed!