Help Needed, debts management

mat2090

I have been playing the 0% game on the credit card to manage my debts but i have run out of ideas

Post office card 5K
Barclayard 7K
Sainsburys card 4K
Halifax one card 9K

Total 25K

i tried to get a loan on my mortgage to consolidate the debt but i was refused so i dont know what to do next.
I earn 35K a year 3 kids and the usual bills and expences
Any ideas please would be welcome.
Thanks

talana

Juggling the debt and moving it around for cheaper apr's is all very well, but that's not the same as tackling it.

Bottom line is that you have to give your finances a health check, free up some cash from somewhere and concentrate on actually paying it off as rapidly as possible. You earn a healthy salary so I'm sure you can save cash somewhere.

Start by posting an SOA (link at the top of the board) and the good folks here will pull it apart for you and suggest where you can make savings.