Maz, try ringing up the credit card companies you're with and negotiating your interest rate. Tell them you're going to move the cards across to a no interest for six months card unless they'd be willing to offer you something to keep you there.
Years ago I had a decent sized credit card debt and we managed to transfer most of it and negotiate a lower rate with the current provider and it was all paid off within the new card's no interest period.
Also, go through each of the bills and work out which ones have the highest penalty rates and which ones will allow you to set up a payment plan penalty free. Pay the ones that penalise you the most first and allocate smaller amounts for those that will negotiate. For eg, I had an ATO debt and they were happy to take $50 a month (with very low interest) until I could get on top of everything else and pay that one off. I thought I was good at juggling my bills (when money was tight), but I seemed to keep getting behind and DP showed me how to do it much better. It took the struggle out of my finances, even when I wasn't able to work more because of a baby. I started to use the CC, once entirely paid off, so that I was repaying it in full every month, so no interest to them any more.
GL hun!
Last edited by Jennifer13; December 21st, 2010 at 08:37 AM.
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