newbies to forum thinking of selling home to pay off debts!

Millie321

when i went on maternity leave, i wasn't sure i would return, so i asked them not to pay me over and above the statutory maternity pay (which is half salary for 9mths) to avoid having to pay it back if i did not return.

But as we are in so much debt i will have to go back and therefore can ring them and ask them to start paying it to me. Can't believe i didn't think this before!

I am going to straighten up all my budget and credit card payments, so tha it is all totally clear and then ask your guys advice.

I've done a lot of reading up on the selling of the house situation, and i'm beginning to think we should avoid it if possible as it won't be easy to get a decent mortgage and currently we have a good deal.

With my maternity pay i think we are going to try and stick at just reducing these debts as much as we can. Thank you all and will be back for more advice!

Millie321

Ok our credit cards are

Barclay £2725 int. rate 14.0 min payment 2.25% Limit 4090

Halifax £6173 int. rate 20.95 1% 9100

Virgin £9424 0%until Aug 10 £25 10000

Virgin £3847 6.75% £28 4100

First Direct £8958 18.98% 3% 9200



Would very much appreciate advise on what to do with these! Am thinking of transferring some of FD's to the Barclay card. And will try and apply for some 0%'s but not confident.

Any suggestions welcome..........................