(REF MY PREVIOUS POST) REFUSED CREDIT ... Next step to re-mortgage??

DJP_2

Many thanks for all the advice given to me on my previous question on re-mortgage / to consolidate etc .. I know what your all saying is exactly right that debt on top of debt is not the answer to my problem.

I know the REAL answer is to pay these debts off !!

My dilema is how to shuffle my debts around and make my monthly payments smaller , because that really is the issue i need to address.

As mentioned before (without boring you with irrelevant info) my debts have occurred since my encounter with self employment recently went belly up !
Only recently when i put pen to paper did i realise my current incomings are 95% plus all going on household bills and credit repayments.

One way is to transfer my credit cards onto a 0% card but having just been refused credit i'm hanging back on that one .

I know theres no magic wand and the obvious answer is to carry on paying these debts off which i will do but i need to reduce my monthly payments as at the moment like i said at the end of all my outgoing payments there is literally not a penny left.

NO VIOLINS PLEASE SORRY TO DEPRESS YOU ALL !!!!!!!

Thanks in advance.

southernscouser

DJP, if you want my advice post what you have here on the end of your old thread. It will help people by not having to look through pages of threads and refresh the memories of thos who have forgotten!