There are always times when we want to go a special holiday, buy a car, do improvements but consider that there is not enough money in the pot as it were. You wish that you could wave a magic wand and do it for nothing, but consider that stating so is nonsense.

You have been wanting to buy a caravan for years but you think that it will be too expensive and more so now that your wife has given up work to start a family, and you are now the proud father of one year old twins

You consider it a terrible shame that the money coming into the home is less than before as tt would be great to have a nice caravan to take the twins away on holiday, as to go to a guest house with your children can be a nightmare

Like you, many have brought their children up in the same home and their kids played with yours, went to the same school as yours did, and even attended the same church together, and sometimes they had their little childhood rows

You even have to take travelling cots with you and all this takes up so much room in the boot of the car that there is little room for the adults suitcases. Also in addition to the amount of space all their stuff takes there is the question of the time it takes to pack and the difficulty and weight of taking it all into your holiday lodgings.

If you had your caravan, as well as enjoying travelling all over the place, it would be so much more convenient now that you have young children as you could keep a set of their clothes and a supply of their nappies permanently in the caravan. Also there would no longer be any need to take the awkward cots as they would have their little beds always available for them

The trouble is that some of your neighbours and friends at work found a secret that can help you to do more, and this is that they found out about debt consolidation some time ago, and if you do too now you will have more money available for the things that you want.

Now however, it is only you, your wife and your youngest child who lives at home now, and you are very keen to do home improvements , but as it will cost a fair amount to do all the work,you think that you do not have enough money left after you pay all the credit cards, etc.

There is no better bargain than that,

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