So how do I get out of debt?

Jen_Jen_5

yes you could secure the debt and the monthly payments will go down, it will cost longer in the long term because interest is charged over a longer period and those "unexpected" things happen again as they invariably do you will be in a worse position because your home is on the line.

clearing debt the "best" way really depends on what you want. do you want low payments - then a loan over a long period

do you want it gone - cut back as much as possible, scrimp now and throw as much money at it as you can.

most of the posters on here are probably the latter and thats why we suggest you post incomings and outgoings so we can give you an objective insight into what you could cut back on - accepted there may be nothing and you have the most cost effective way of doing everything but if you dont tell us we cant make suggestions.

its also helpful to post outstanding balances, credit limits and interest rates so we can look at the cheapest options.