[brightfuture]

I have about 12,000 in credit card debt..... this just recently became overwhelming to me and my husband since we purchased a home a year ago. The mortgage payments, and utility bills are often enough to wipe us out every month. Somehow things always manage to work out though, and we have never been late with a payment on anything.

I am getting tired of living paycheck to paycheck and recently considered taking out a personal loan to pay off the debt. The interest rate would be lower and the monthly payments would be lower. Is this a good idea? I have learned my lesson and have already cut up those cards. I can't live in a state of anxiey like this.