Thanks Melanie, Well, my wife is pregnant and it is unlikely that she would want to work after having the baby. One hire purchase is for my car which is very important for my work, the other one is for a TV, which I hope I can pay off and would be able to save another £50. is there any amount that t...

Hi, I am new to the forum, therefore please help me with your valuable answers. I currently earn £1980 a month but I have a debt of £52000 which is spread across 3 loans, 9 creditcards and 2 overdrafts, which I accumulated for the past 5 years. most of this borrowing were due to my education and a f...