| It's really impossible to give financial advice without knowing any of the circumstances but I agree with the person who said about setting a budget and also the person who said not to go to a debt consolidation company! You should be able to get free financial planning advice from your bank, why don't you give them a call? You might also be able to get more advice from the citizens advice bureau. You really need to be armed with all the details of you income and outgoings before having a meeting with anyone. | 
