<human>: Can you condense the text into a few key points?

Hey guys, I bet this kind of question gets asked a lot around here and I am sorry if it ends up being something you feel you are repeating. If so, please direct me to the nearest relevant post and I will leave you guys be. I am new here, more of a lurker than poster so I will try and keep it simple.

My wife and I are in a lot of credit card debt due to a number of different reasons, but with our second child and her being off work, we are basically getting in a worse position as we have multiple accounts open: A personal loan, and 2 credit cards with a great amount of debt owing on them.

My wife is going back to work soon, and I am also about to start a new job which will in turn enable me to earn a bit extra so those 2 avenues of extra cash will no doubt help. 

My question is, what would be the best way to tackle this debt? 

Ideally, instead of juggling multiple sources, we would just like it to be in the one place or 2 at the least so we can keep better track of it. 

We also have a mortgage and it seems that the best possible way of attacking this kind of debt would be either to absorb it into the mortgage and just add extra repayments to the home loan (which will obviously in turn add to the years of our mortgage), or try and consolidate it all into a Personal Loan. 

Or is there another way?

We want to get rid of the credit cards completely, and just try and tackle this head on and hopefully take control back of our lives financially speaking.

Sorry for the long post! Thanks heaps for the potential advice!
<bot>: We have lots of credit card and personal loan debt along with a mortgage. What is the best way to attack it? Place all in a personal loan or absorb into the home loan? Or another way?