thanks so much for your responses. I suppose compared to some other people on here we don't owe that much but to us it is unmanageable. My husband is struggling at the moment as he always earns less in the winter so his earnings should increase from march/april. I also have a part time job interview...

my husband and i have a house worth approx 195k. we owe 10k on an unsecured loan and about 14k on credit cards and a 140k mortgage. our credit rating at the moment is fine but we can't sustain our level of debt. my husband is self employed and is not even covering our outgoings at the moment. we hav...