Maybe not the best first post but I'm sure I'm not the only person who might have over spent in the good times. I have amounted debts totaling about 23500. I have 5 loans on the go. Credit union-8500. Aib 9500. Aib card 1000. Boi 2000. Boi card 2500. My outgoings on these loans are killing me and I'm not able to save any cash. Credit union 120 per week. Aib 65 per week. Boi 40 per week. Credit cards i pay a amount of each week but not enough im sure. My girlfreind and I would like to buy a house sometime soon but as it is I'm not able to save. Any advice on how to get myself out of this hole would be great and maybe some mortgage advice. I've cut up both credit cards and burned them in the fire. Thanking you.