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"Having too many accounts at various banks is distracting," says Scott Plaskett, senior financial planner and CEO of Ironshield Financial Planning in Toronto."It's like a mosquito that buzzes around your head and then starts gnawing at you until you do something about it." In fact, the more your finances are spread between financial institutions, the more likely you are to be inundated by needless paperwork.If you have become insolvent, or unable to pay off the debts you owe, you may need to consider debt consolidation. With a debt consolidation loan, several payments are combined into one smaller payment that is the same amount every month.You can pay off multiple debts such as credit cards, student loans and personal loans with this method.And while you deal with that distraction you become susceptible to costly mistakes, like paying a bill late or writing a cheque on the wrong account and getting slapped with overdraft fees."With so many different accounts, no one has a clear picture of what it costs to run the household," says Diane Dekanic, a certified financial planner and owner of Financial Health Management in Calgary.

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