Age: 34 Spouse’s/Partner's age: 30 Annual gross income from employment or profession: 26'000- E430pw after tax Annual gross income of spouse:25'000 -1900pm after tax + 166 CB + 41 ECS Type of employment: e.g. Civil Servant, self-employed Both private sector, permanent. In general are you: (a) spending more than you earn, or (b) saving? Spending Rent 675pm Childcare 150pw Food + bills 225 pw Other borrowings – car loans/personal loans etc Personal Loan 29000 E140 pw 4 years left. Car Loan 12000 E330 pm 4 years left. Overdraft maxed E3000 Do you pay off your full credit card balance each month? NO If not, what is the balance on your credit card? Credit card 1 E1200 11.7% Credit card 2 E1500 9.7% Credit card 3 E4000 - 0% interest til May '10 Savings and investments: None Do you have a pension scheme? I do, through work Do you own any investment or other property? No Ages of children: 1.5 Life insurance: No What specific question do you have or what issues are of concern to you? While I can manage all my debts ,Im trying to become debt free as soon as possible. At the moment Ive got around 600/700e to use towards repaying my credit cards. I could consolidate Credit card 2 and the overdraft into my term loan. My term loan is currently at 7.9% apr . If I were to consolidate my new repayment would be 174pw for 4 years at an apr of 9.7% Im not sure what to do, should I plug away at the credit cards / overdraft (cards have been cut up) or consolidate? Ive already been approved for consolidation, Im just not sure if its the way to go? (My husband has no interest in the money side of things, so you guys are the only ones I can discuss this with to get some advice) My plan is to clear the credit cards and overdraft and then start saving to pay off the car loan early.