In a nutshell , I left my job and was going to go travelling but day before had a terrible accident on my motorbike. I've been at home and hadn't been working for 18 months. Have 5000 on two credit cards and 10k loan with scheduled monthly payments. After tax I am left with 25001500 goes to rent/bills and variable expense paying for childcareI'm happy to have a job but money remaining each month seems too low to pay off quick. Any advice on what I can do without destroying my credit ratin further