Hi Mrs B,

I would go and speak to a financial planner, this way they can give you a financial plan for your future and advise you on how to get rid of your debt. I work in the bank and my husband is a financial planner and they help out people like you all the time.

So keep trying no point in waiting til your financially ready to have a baby because that will never happen, if I kept waiting til I was out of debt I'd have no babies to speak of because I'd be tooo old! So stay happy and know that getting some financial advice will lift your burden greatly!

Goodluck hope your up the duff soon!!