I've made great inroads in debt reduction down from £25k ish to £5500 on 0% and anything from £2k-£4K on my overdraft depending on bills going out money coming in. My question is should I put the overdraft on my interest free card and keep chipping away at that with a standing order not direct debit and putting more on it when I can to hopefully pay it off while the interest free period lasts ? Also should I concentrate on debt reduction as I want to retrain but feal I should get debt gone first to have a clean slate ? Sorry f the answers are easy to see but I'm in it and can't see wood for the trees. My debt was from a business loan and overspending on credit cards which I don't use anymore cash all the way !