2500 debt while on mat leave

[cupthejunction]

I know it's a classic silly mistake but I have accumulated £2500 debt throughout the course of my maternity leave.
I have an old £4,500 debt on a 0% credit card for the next 3 years which costs me £50 per month. But the £2500 debt is new and partly on my over draft and partly (1,500) on a credit card.
I am returning to work tomorrow but (only part time) and am desperate to start taking big bites at it or making it feel more manageable at least.
I'm doing everything I can lifestyle wise (shopping at Aldi, selling clothes on eBay not going out much, cheap presents for people) but need to do more.
Any tips greatfully received.
Thank you.

How was the debt built up? That may assist with tips to help you bring it down?

What is your household income/expenditure and what is your expected disposable income after paying the minimum on your debts?m

Can you get the £1500 onto 0% ?

If not, pay it by standing order instead of direct debit if you can't over pay it right now), because DDs reduce as you pay more off and SOs don't so SOs pay it off sooner.

There are 0% overdraft offers out there at the moment if you switch your current account.

Can you remain part time but on more hours? (e.g. a 0.6 or 0.7 contract instead of a 0.5 half hours contract)

I'd look to getting a new credit card, transferring all the debt onto that and then setting up a standard direct debit for it each month. See how your outgoings do in the next couple of months with you being back in work and pay off additional amounts when you can. What I wouldn't do is say right, I'm going to pay off £300 or so a month if it's not achievable. You'll start to slip and then feel worse about it. Choose an achievable amount and then try to better it each month.

I'm in a similar position and I'm trying to do the same xx

Do you have a partner? The reason I ask is because I know too many women who scrape by during maternity leave and their partners hoard all the family cash.

www.moneysavingexpert.com/loans/cut-loan-overdraft-costs

I used interest free credit card to pay off overdraft and spread repayments link above explains