I have further got myself sorted financially by consolidating ALL my bills with my bank.
I originally wanted to clear just my overdraft ($1000NZ) & credit card ($2000NZ). But, long story short, I had over $40kNZ worth of loans (with varying interest levels 23-33%) reduced to a single loan $30kNZ (at 16.25% flat rate).
So previously I was paying out about $13~1400NZ a month to 4 different loan companies & a bank. Now I pay one bill of $800NZ on a 5 year term @ 16.25% interest. That's $500NZ coming back to us every month! PRAISE GOD!
Also tonight, My wife & I sat down with my bank & have applied for life insurance, (for myself, we forgot my wife's documents) paying $25.00NZ a month for about $250~kNZ. Next week we are sitting down with the bank again to see what we can do for her life insurance & setting up child account for my son.
Once again, THANKS TO ALL THE LGM FINANCE GURU'S & 4HisGlory & ReddGirl!!! God definitely had a purpose for you to be able to make a change in my little family's lives financially.
GOD BLESS!!!
ATTN PLAYHEAR: Thanks for email advice & I know you didn't get back to me (via PM) but you were right (from the beginning) that I should share this with everyone. I really hope this encourages more LGMers to just go out on a limb & trust God with your finances.