debt reconcilation. :x with a bit to play with naturally
I've just done the same, everything into one loan. Also now sharing a house with a mate rather than renting a flat on my own. £300 a month instant saving. Planning to do it for 4 years to get about 12-15k deposit for my own place.
Prices down here are rediculous, a one bed flat in the same block as my old one was up for £139,000. Fucking noooooo chance of buying. Mind you I was bankrupt at 21 so I've not done myself any favours :roll: