my husband and I have several loans and C/C's which we are currently managing to pay although we did incur some arears on our Mortgage at the start of the year. however our month to month money is always more than we have and it will not be log before we are not able to pay something. also we have a baby on the way and my pay will be SMP only which will mean we cannot manage our payments.

what is the best route for us to take given we do not have ay Debt at the moment.