Is this realistic - managing new income

[lisalanes]

Hi,
I recently went back to work full-time and also picked up a fairly significant promotion. I got paid a few days ago and picked up my new salary. I think that this is a real opportunity for me to get more financially secure. I am a single parent of 2 kids aged 4 and 6. I have a mortgage and also some credit card debt/BNPL debt. I want to prioritise this. It's nothing extreme but I want to get rid of it, along with building up some more significant savings. I am very fortunate to have no more child care costs ( thanks grandparents!)
The majority of my bills have already come out this month and I am currently left with £2123. I get paid again on 26th Nov.

I have listed all of the things that I will be paying out of the remaining £2123. Some of these are optional, such as the credit card overpayments and some are things that I have to pay.

£300 - this is generally what I spend if I shop at Aldi/Lidl and meal plan
£250 - overpayment on Credit card 1. I have already paid the minimum so this is optional
£400 overpayment on Credit card 2. I have already paid the minimum so this is optional
£56 - pet costs
£110 - Klarna/Clearpay. I am no longer using these apps so this will be paid off very quickly
£120 - money that I owe my dad, Just a one-off and not a regular payment
£74 - Sky TV. This is for my phone sky TV, internet and my iPad. Locked in for another year
£40 - drink this Friday as I am out with friends. Nothing fancy
£20 - pumpkin farm tomorrow with kids ( taking sandwiches)
£50 - contributing to mum's bday meal in a couple of weeks

So this leaves me with £703. I accept that the credit card overpayments are a choice and that I could potentially have an additional £650, however I think that I do need to make that a priority as this will see them all paid off within 6 months.
Does this look doable? All of my main bills have already been paid out so the list above is accurate.

Very doable. You will be sorted once you get rid of credit card debt and then build your savings so you never have credit card debit again. Are you paying interest on the credit cards??

Op have you looked at dave Ramsey money ladders. Also on fb groups with guides as to what you need and in which order some your paying off debts then you need emergency money once that's done move into the next thing and so on.

I don't knew the graph /table but on here but people post it and it's very useful.

Once you have emergency fund eg cover for job loss then it's savings and then investment.
One of our biggest steps to financial stability was saving each month for big expenses eg every month I pay into a car fund for mot, insurance.
Again for holidays and Christmas and birthdays.
Sometimes we go under or over what's there but knowing that money is ring fenced for fun is wonderful.
We also seperate money for children's clubs and school meals and clothes and we have worked out what we can afford each weekend for fun stuff.

It means an hour into pay day, what's left in my account is soley for bills coming out and food.
I also invest now and have stocks and shares isa and a sipp.
The dc have the same.

Start putting small amounts away for annual bills / expenses eg birthdays / Christmas / holidays / insurance etc

I would highly recommend the YNAB app it's brilliant and you easily save more than the subscription fee.

I disagree with both these points.

The OP has sufficient spare income that she can manage just about all peaks and troughs in spending within her normal income, especially as she's prioritising paying off debt. Just reduce non essential spending as much as possible, perhaps set a budget and put in a separate account, to be used on a 'when it's gone, it's gone' basis, or if you know you'll want to spend more at Christmas for example, you need to save some from this month. Then send more to the debts - just checking these are on 0% interest? If not, get them moved over ASAP if you can.

YNAB costs money and does nothing you can't do yourself for free unless you literally need the obvious pointing out to you. If you need help with budgeting, look at Money Saving Expert and on pay day, move your money into pots/accounts for different purposes.