My husband doesn't know...

twiggy86

ssearson89 said:

Hi @twiggy86. Thank you!! I will certainly give that a go. I did try with HSBC a few months ago in-branch, however they weren't that helpful. I will definitely give it another shot though thank you for that little bit of motivation!

@twiggy86 can I ask if it impacted your credit rating please?

I don't believe that it did, as it was simply changing the interest rate on the current balance - rather than shifting it anywhere. But it was some time ago so can't say for definite.

debtfreewannabe321

I would make a list of all the cards, their exact debts, their exact interest rates and then make a plan to tackle them. If they are all the same interest rate I would pay minimum payments on the two biggest ones and overpay the smallest one with everything you have. Get rid of one at a time. There is a snowball calculator around here somewhere....

I ended up on a DMP years ago with stepchange and it totally ruined my credit. I got a few f&f settlements and managed to pay off £20k in a few years but I had to wait a long time to get offered a decent mortgage rate and have my credit rating back to where it was. 

{{{I know you don't want to hear it but perhaps telling DH might relieve some strain as he could help you get the debt down. }}}

If you really don't want to do this, can you make more income from your main job?
Set yourself a target to list say 100 items on v1nted, eb@y, FB or wherever and send every penny over to the debt as soon as it is in your account?
It might also be helpful to cut out all subscriptions like netflix, music subscriptions etc and direct that money to the debt.
Take part in the grocery challenges on here, the NSD challenges and immerse yourself in other people's diaries, ultimately it is what helped me to get debt-free, by sharing my ups and downs, my frustrations and having others around me in the same boat (albeit online buddies) It can really help your mindset and determination. 

One bit of advice I would suggest as well is make a budget. And put into that budget an emergency fund, and spending money OR you will fall off the wagon! Even if it is only small, put it in there! 

And as someone else said, cut the cards up if you haven't already! 

Good luck it can be done and it could set you up well for getting into the budgeting ways now for when you own your own home! DFW321