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I have various creditors, mainly credit cards, a loan and a few store cards. I really want to pay them off the normal way but its getting a struggle with the 2 kids and my wife not being able to go back to work properly. My mortgage deal is fixed for another 2.5 years, will it affect this once that expires, eg will I get stung for higher interest etc.

Hi stefan and welcome to the forum

Have you actually worked out a monthly budget which enables your usual household bill and the contractual payments to your creditors to be made? If there is insufficient money available to do this, then you may need to take professional advice.