Consolidation Loan
Is a single monthly payment that is lower than your multiple payments means you will be paying less each month, you can use the rest of your take home income elsewhere.

Before Signing for a Bill Consolidation Loan
Shop Around:
survey what is available to you with your credit score and current debt you can get a better idea as to whether a consolidation loan is a wise choice or not

Do the Math:
Check the math and see with fees, a new interest rate.

Try to DIY:
try to eliminate your overspending by taking your credit card out of your wallet and creating a budget

Ask for Help:
You can also speak to trusted friends or family members who might be able to help you design a fair budget