This can be achieved through Debt consolidation as the money received from refinancing can be used to pay off all other bills such as credit cards. (mortgagebrokerstore.com)
Take any money you've freed up by paying off other bills and use that to create an emergency savings fund. (credit-counselling.org)
Even if you're able to save only $ 10 per month, that's a lot of money that could be spent elsewhere... Like paying off other bills! (4autoinsurancequote.com)