Over the past few years I have accumulated quite a few loans, which all seemed like good ideas at the time. i have a bank loan, credit union loan and credit card balances all adding up to about €23k. I am paying about €750 a month for these. I also have a mortgage with the county council for €600. I am not sure if i can get out of this yet as i only got it in June. I would appreciate any advice.
Just out of curiosity, (If you're ok with this) can you post your monthly take home pay, and the total you spend each month repaying debts (including mortgage).
This will give the best idea of how much trouble (or not) you are in.