Hi
I'm trying to get my debts a bit more under control. I earn ~2.5k after deductions. I've joined 2 x staff banks so will pick up extra shifts (but not able to book shifts yet).
My mortgage is really low, and the fixed term runs out in just over 3 years, when I will look to sell and move to a house.
My debts are as follows:
Ikea finance 0% 1750, pay 84 a month. Not concerned about this one.
Credit Card 1 4050. 19 months left 0% interest. No spending on this.
Credit Card 2 360. 6 months left 0% interest.
No spending on this.
Credit Card 3 490. 9 months left 0% interest. I’ve stopped spending on this but only this month.
Store Card 220. Pay 60 a month. No spending.
Klarna 72. Whilst this isn't great I can control my spending more if using klarna pay in 3 than the credit cards.
I'm overpaying credit card 2 currently as that has the shortest amount of time left at 0% interest. I am also overpaying the store card. I plan to cancel both as soon as paid off. The bank shifts when I eventually can start them will go straight into these two also. I pay the minimum plus £10 on the others for now.
I'm not eligible for a debt consolidation loan without an extortionate interest rate so that isn't an option. I have no defaults or similar just need to streamline it all and get the debt down. I bought a money pit of a property which is why it required extensive work (lessons learnt). In hindsight I should’ve got a home improvement loan.
Any advice appreciated. I have a 1.5k emergency fund.
Thanks