Financial Advice...

[helpimcrap]

I have a reasonable lump on a c/c and was thinking of sticking it into a personal loan. would this be wise or is it better to try and keep spreading it across 0% cards? it seems like i always have no money when if i took out a loan and paid them off and cut them up i might be better off?

or can someone else suggest a better way?

 

[helpimcrap]

ok cheers for the advice, i've been looking at MSE as well but thought i'd run some ideas on here. i've got 2 cards on 0% at mo and 1 thats not. i've just transferred the bulk of the one thats not to the 0% one. so ill have all of it on 0% until july. ill just have to try hard to clear it but its incredibly difficult when you are racing!