Loan consolidation

Loan consolidation can be a way to get control over a dysfunctional financial situation but usually only as a once off measure and with other action to understand and address overspending. It's definitely not a prudent way to fund an €8k holiday and continue living beyond one's means.
 
Bit of an update, I downsized car and consolidated debts with loan at 6.8%.

Debts down to 14k, that is only debt outside of mortgage.

5k of my shares from work have matured, I am going put these towards the loan and want to have the rest paid off by end of year.

I still need to budget properly and tighten things up but hopefully heading in right direction.

I will update all of my info shortly.
 
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