Dear all,
I have made a bit of a mess of my financial life in the last few years and need to sort myself out.
I owe £35,000 on 4 credit cards - I pay £890 a month to maintain the debt of that I'd say only about £250 is paying off the balance ( I donut just pay minimum charges but not £100s either)
My current plan is to ask my DH to try and get a loan - he thinks he could get £25,000 then I'd look to balance transfer what isn't paid off onto one of the cleared cards when they offer a 0% tenure - is this the best plan?