Perhaps getting everything off my chest is a good first step....!!

isy1011

Hi. Yes Im also awake thinking about money worries. I'm probably not the best person to advise:( however, from my own experiences I would never consolidate again. It seemed like an answer at the time but I just spent on more credit cards then ended up with a loan and credit cards. You dont think you will spend on them again but you do unless. I have finally come to realise the only way is to set aside some money and get cards paid off. I already feel happier because I have made a plan. we have all got to start somewhere. Good luck.:)