How can I consolidate bills without taking out a second mortgage?

Pay the smallest bills you owe the least on down first. Quit shopping and spending money on things not needed. Avoid going out to eat and pack your lunch for work. Get rid of the cell phone if you can. Only 2% of us had one in 1996, ten years ago. Why cant we live without it today? Its another bill not needed if you dont make good money. Look for a higher paying job and even consider working a parttime job along with your fulltime job to help out if not already.