Hello CariadBlack,

It sounds like you're really under pressure, which is far from ideal when you're trying to get ready for a baby!

I'm afraid I have nothing to add to the really good advice offered here - I just wanted to reiterate that unburdening yourself to CAB or another debt advice charity will help. You'll get the support you need, you'll have someone to talk to and you'll hopefully be able to make arrangements with your creditors before your baby arrives - which is especially important if your earnings are about to drop as you move onto maternity leave.

Please do seek out some help - often a dispassionate adviser can see things more clearly than the person struggling with the debt.

Good luck,

Felicity

Just ot add to the excellant advice above, remember that mortgage is always higher priority than unsecured debt. Make sure you make the mortgage payment in full, even if that means failing to make the minimum payment on some credit cards

Or you could try a do-it-yourself option.

Use the excellent Personal Budget Sheet here -> http://www.moneysupermarket.com/ND_-_Personal_Budget_Sheet.pdf

to work out how much you can afford to pay your unsecured creditors (i.e. credit cards, but not overdraft and housing costs).

There is advice on working out your budget here -> http://www.moneysupermarket.com/c/news/working-out-a-personal-budget/0005757/

Then you should write to each of your unsecured creditors enclosing your budget sheet and explaining you are finding it difficult to meet your minimum payments and suggest a pro-rata smaller payment to each of them (divided up according to the size of the debt owed).

More good advice here -> http://www.moneysupermarket.com/c/news/golden-rules-for-dealing-with-debt/0005641/

Do allow yourself a good margin of (financial) comfort!!!

You need to nip this problem in the bud by seeking the early free professional assistance of, either or, any of the organisations below.

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

http://www.nationaldebtline.co.uk/

I just don't know what to do next. My monthly income barely covers my outgoings and the interest on my credit cards is beginning to cripple me financially. I worry that I'll have enough money to meet my mortgage repayments each month - already up to my overdraft limit. I have tried to get a loan to pay off my credit cards and therefore reduce the interest and monthly repayments but have been refused. I'm starting to get very anxious and stressed. I'm also 3 months pregnant and the worry is not helping. I don't know where to turn next.