Debt Consolidation, like it or not

With the holidays past, it's time to get the house in order. And in many houses, that means it's time to deal with those holiday bills.

If you dread the thought of debt consolidation, you're not alone.

This is scary grown-up stuff.

But if it's time that you faced up, you better get facin' up, while the facin's still good.

A number of websites offer calculators that let you find out "How long will it take for you to pay off those holiday bills?"

Some sites charge for this service. Some give it away for free.

Free's a price that we all can afford, as long as there are no strings attached.