Easiest Debt Consolidation LoansSimplest Debt Consolidation Loans
Consultancy for a £20,000 debt consolidation loans
Consolidation works rare and is usually more costly than Snowball. While I know you've already made some drastic changes, it can be so simple to walk into the trap: "I'm just going to put this one thing on the mindset of the card," and before you know it, the cards are gone again.
And if this is the case, they usually provide the opportunity to keep the actual interest rates on the arrangement that the ticket is locked for further use. Once, when I was happy to agree not to spend more on the map, they all of a sudden realized that they didn't have to raise my interest or stop the map!
You will pay off the debt faster and more cheaply, and you will really start learning not to get into debt again. But I think what you are really looking for is an easier option. ie, lower payouts so that you have more cash for public amusement etc.
From where you come I fully comprehend, but that's exactly why I don't think consolidation is a good concept for you. We sometimes have to do things the tough way to really get the lessons learned. Plus, don't miss to check out the "up your income" thread for additional cash to pay off these debts even faster!