Ok, it's time to get rid of this credit card debt. How?

[Threaders]

Looking for some advice.

Currently, got 3 credit cards (legacy from early 20's living beyond means). All 3 are on zero %, but 2 are due to end and the other will follow in the not too distant future.

I am, by my own admission, quite shit with money. I've just put a spreadsheet together with my outgoings, which currently total £800 per month, and that doesn't even include mortgage contributions or money towards DD's nursery fees. £200 of this is credit card payments.

Card's outstanding balances total about £9.5k. Also, I had a CCJ against my name a couple of years ago due to a monumental fuck up by the local water board. That has since been set aside, but low and behold since then my credit rating seems to be utter shite and I find it almost impossible to get accepted for credit. I recently applied for another credit card in order to do a balance transfer and keep the zero % interest. Got declined. Am starting to fret.

Any general advice on what to do? At present, I clear £1.3k per month after tax/pension. Getting rid of my CC debt (fast) would really help right now.

do you save? if so stop saving and use all that money to pay off your credit card first. you could try and transfer your balance on to another card with 0%. if not what about transfering your card balance to a bank account with a 0% overdraft and pay that back instead

or you could try and negotiate with your ccs to pay the minimum on 2 cards and pay all the money on toone card to get it off quicker and then once thats done do the same for next card until they are all paid off.

Good advice from above.
DP and I decided to consolidate our CC debt to a loan with a reasonable rate of interest, more expensive perhaps than a 0% card, but if you factor in paying the 3% transfer fee too, plus any accidental late payments the loan seemed a simple way to do it with a fixed end point too.

Appreciate the input

KB: no, don't currently save as my disposable income is indeed going towards paying off the debt. I do pay into a savings scheme for DD but that's long long term. Its harder at the min because OH is on maternity leave so money is exceptionally tight. But even once she goes back to work, once we factor in the £600 per month in nursery fees, we're not going to be an awful lot better off.
Plus, it's my own personal debt so I have a personal responsibility to get it sorted asap. Not to mention the fact that I'm going to try and launch my own business within the next 12 months and banks would laugh me out of the building in my current situation.

Use the pension money to pay off the debt.

Go to a debt advic charity like CAB.