Cards Quote by Michelle Singletary
“I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.”
![“You also need to understand that when you consolidate credit card debt into mortgage debt - like a home equity loan or a HELOC [ home equity line of credit ] - you're taking an unsecured debt and turning it into a secured debt.” quote by Jean Chatzky](https://sms4smile.com/quotes/img-quotes/e84/jean-chatzky-15313_cards_you-also-need-to-understand-that-when-yo_1363945.jpg)
![“I don't see [ Trainspotting ] as an albatross, I see it more as a calling card. It's got me out to Hollywood, I've got a good agent, I've got a good manager, I'm getting a lot of work out there and doing a lot of stuff - getting a lot of film projects on the go.” quote by Irvine Welsh](https://sms4smile.com/quotes/img-quotes/918/irvine-welsh-843_agents_i-don-t-see-trainspotting-as-an-albatros_7750.jpg)
