Debt consolidation can work in your favour by eliminating the need to manage multiple debts. Instead, these myriad of debts are replace by one easy, manageable, monthly payment that you you pay off.
One of the benefits of a debt consolidation loan is they do not have a credit facility. Debt consolidation loans are a single lump sum that you are obliged to pay back in total. This is a benefit as it does not allow you to continue obtaining credit and as a consequence helps prevent further blowout in debts.
Getting out of debt can be as simple as a simple plan. If you as an individual wants to get out of debt, consider the easy way out because the majority of people do not have a plan.
Working/childcare - can you work nights/weekends while DH works days? If you continue to live above your means, you will drive yourself into bankruptcy.
