Paying off credit card/savings?

[Misophoniaistough]

I owe the following: £1200 on a credit card with a £2300 limit, so just over half.

£495 on a card with a £500 limit.

£800 left on a £1500 loan I took out.

£450 on an Argos store card that has a £900 limit.

£300 overdraft.

I had another credit card which had a £200 limit and I paid that in full last week and closed the account.

I feel ashamed of this, I know the figures could be a lot worse but ideally they'd be close to zero.
My financial situation is expected to improve, I currently live alone which is expensive but I'll be moving in with my partner soon.

I earn under 30k which I know is quite low, so I'm currently applying for jobs which pay over 30 and I'm doing overtime currently.

The figures are going down and I do what i can. I shop at Heron Foods/Aldi etc. ,I stopped getting my eyebrows done and I don't get hair, nails or anything, I dye my own hair, all my clothes are second hand, I still live a bit because I'd go mad otherwise, life isn't for existing.

Any other advice? I'd love to have it paid off in a year.

Depends if they will get accepted for further credit at this stage, and enough credit to cover all the remaining balances.

@Misophoniaistough be brutally honest with us - are you a spendaholic? Did you run these debts up on stuff you didn’t really need? If so - don’t do a consolidation debt cos you’ll just run more debt up again.

If your debt is “circumstantial” and you can control your spending otherwise - yes, consolidate/swap to a 0% interest credit card.

good luck