u/Tall-Albatross-8543

I have around 5 credit cards with around 35k outstanding including multiple EPP. I have another auto loan of around 15k. Total installments would be around 5k which is close to 50% of my salary. But it will come down starting from next month when 1 by 1 the EPP will get finished. I am forecasting 5 to 6 months unable to complete credit card bill. Expecting around 4 to 5 k unpaid. Now I am confused whether I should take personal loan to consolidate this or run with it as the interest would be less if I am able to settle soon. But running with it will be stressful as I am trying to payout max amount struggling with everything else. But personal loan to cover the entire amount is huge interest and multiple years commitment. Last month I was short by 5k. This month I am expecting the same as there is my Family Visa renewal.

I am looking for an economical sound proofing solution for my One BHK apartment. I have one Panoramic Window inside the room and another sliding door access to the balcony. Our apartment is facing the main road and they have started construction work as well. It is really difficult to sleep at night.