Have you used debt consolidation?

[NinjaBoy]

before you go to any finance companys and get arse raped by their fees, try your bank. They will have a much better interest rate and you will have more controll over you repayments.

generally you're find banks can do the same thing and are willing to talk you through the pros and cons despite missing out on the more profitable credit card rates.

[cowboyz]

You can manage your way out of debt by changing your views on money. There are a couple of ways but the most effective is if you get paid weekly then pretend you get paid every 8 days. For instance. you get paid on wed this week and you work out all your bills and pay them first. work out a little money for yourself and set a firm budget. Next week money will go into your account on wed but ignore it... payday is not till thursday this week. then pay all your bills and take your spending money. the following week although money will go into your accoutn on wed you dont get paid till friday. and so on. Set a realisitic budget and still to it. Use cash for everything. Get used to the idea that there is money in you account that you cant/wont use. After 7 weeks you will have an entire paycheck that is "free" money. It may seem wise to slap this on one of your bills but don't. Get used to having money in your account. Wait till you have a buffer of a few hundred dollars and then call that your zero mark. Anything that acculmlates over the buffer mark then put that on your debts. Do not spend that buffer money unless you find yourself in a position that you HAVE to. ABSOULTELY HAVE TO. NO WAY AT ALL YOU GET AROUND IT. You will find after a while it is not hard to go a couple of days a week with no money and the benfit of getting out of the pattern of spending all you earn will be a valuable lesson.