I've owned my home for only two years.My interest is 8%. I would like to pay off credit cards and do some home improvment. is it a good idea to look into an equity line of credit(if I have any) Should I refinance? Or should I find other way's to pay off CC and do home improvments. I would really like to get my self out of this CC hole I'm in. I'm not sure if using my home would be a good idea..Maybe I should refinance? I'm really lost!! I want to make the right financial decision. Please help with any advice. BTW- were having another child in Febuary and I need to get rid of some mold in the basement bathroom, That's why I need some money fast for home improvments.
Thank You