Debt Pay Off Advice Needed

[TrinnersForWinners]

I'd like some advice on how best to pay off my debt, as I'm not sure which ones I should focus on first.

I'm in £2452.19 worth of debt, which seems terrifying when I write it out and explains why I've been so stressed lately I think. I'm a low earner too, but fortunately I'm coming into some money (£2000) in the next couple of weeks which I'm going to use to put towards my debt and I'm cleaning my habits up regarding money for good now. The debt is split across three different credit cards and I'm not sure how best to go about paying them off.

CC1: £1082.19
CC2: £890
CC3: £480

CCs 2&3 are both at 0% but CC1 is at about 20% although this doesn't start being charged until 2nd July when the balance transfer offer on it runs out.

I was wondering if it'd be better psychologically to pay off the two smaller debts completely and put the rest towards CC1 and then use my weekly pay to try and get that to zero too as quickly as possible or would it not be worth doing that and instead pay CC1 off totally and only one of the smaller debts? Just that way I wouldn't have the boost of only having one debt rather than two left but I suppose it makes more mathematical sense.

Without a doubt pay off debt 1 first in full. Then also pay in full whichever CC whose 0% period ends next. Then put anything left towards the 3rd and pay monthly, but try and make more than the minimum amount. Ideally divide the remaining debt by how many months 0% left, and pay that amount per month. Good luck!

Like GG says, pay off CCs 1 and 2 and have a little treat with the few quid left over.

Keep paying the minimum on CC3, but also aim to start saving regularly, so you can pay it off when the 0% period ends and also get into the savings habit - you need some money put by for irregular expenses like broken cars/pets/washing machines etc and things like Christmas, insurance and holidays. This is the key to not getting into debt again.

If you haven't done so already, sign up to the Moneysavingexpert weekly newsletter and go through their budgeting section for help along the way of cleaning up your money habits.

Pay off 1 & 2.
Divide the amount of 0% months left on card 3..set up a standing order for this 10 days before the bill is due. Class this payment as you would your rent phone etc.