Hello Can anyone give me some advise please? Base Salary $65000 (State Government employee)(total of about $80000 pa including OT and other benefits) Rental income $380 PW Got Credit card debt of around $20000 Car finance- $15000 (current value $18000) Mortgage $1100 per fort night. (Includes around $1800 in interest) Would that be a smart idea to trade in my current vehicle and get new vehicle wort around $35000 with a novoted lease? I drive around 15000 km pa. Thank You