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I'm all for one person staying home when you are comfortable with the way you're getting by, but when there's debt and it's affecting your lifestyles in a way that your not comfortable with, then I'd suggest that perhaps your wife gets a job for a couple of days a week (perhaps evening work)...

Some good advise here from Skater. From the figures you give I work out that after buying and selling cost and paying out your debts, you only have enough for a 10% deposit on a 300K house... no money left over for a car or shares (you'd need to borrow) that I see. Infact all you have a big...

Do you have any equity in a home? Have you got much personal debt (bad debt)? Have you got any savings, and if so how much do you save? Do your children like noodles :p. Some more info would be needed to answer that Q. I'm sure that there would be plenty of people with 5 children...