Need advice to get out of debt!?

Hello guys and gals. So i live in canada and im in quite alot of debt. I owe about 30 grand total and that does NOT include my mortgage which is about 70 grand. i need to know if there are good organiation that would help me consolidate my debts and offer me a low low interest, or even no interest loan. (I know thats pushing it) but right now im paying over 200$ per month in interest alone on my debts. this is money that could be in my pocket but i live poorly and i am stuck in a hole of debt just scraping by as i give my hard earned cash up for the banks interest. I have 2 kids aged 3ys and the other is 7 months. please i need help or advice! Need advice to get out of debt!?
Go to your bank to see the interest rate they would charge to consolidate your debt. If its lumped with your mortgage, it may be a decent interest rate. Then shop around with other banks to see if you can find better rates.





Then setup a budget using MS Excel that breaks down all your fixed and variable expenses. If you can see where all your income goes, then you'll be able to trim the ';fat'; from your budget.





Stop using credit cards, live on cash, and ensure you stick to your plan so you can pay off your debts by the scheduled date. Sounds simple?


Need advice to get out of debt!?
without more detail this is impossible to answer... is the 30 grand a car loan, c.c. debt, student loan.. And try making your mortgage payment bi-weekly not monthly. It will help eliminate a lot of interest. How many cars do you have? How often do you eat out? Is it possible to work a part time or second job? You need to factor out a lot of different things, and know exactly where all your money is going.