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Fixed term mortgage due - 20k debt - Is it worth securing against the house
What jumped out at me the most was £80 each a week X 2 (adults) = £160 X 52 (weeks of year) = £8,320 that's where I personally would be reigning it in, starting there.
I am glad you did not convert the unsecured debt into secured but presumably due to the car loan the debt is now higher than £22k? I strongly urge you and your partner to give paying this debt down priority if you are now trying for a child as this not only increases outgoings but also leads to decrease in income just as your mortgage will also be rising. A bit of a perfect storm when it comes to debt.
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