Please no judgement, I'm looking for some help as I have got myself into a debt of approx £13K on a credit card, paypal and a loan. I'm currently paying back £489.00 per month and its breaking me. It started off in Covid when I was out of work for around 8 months and now I'm paying back the minimum payments its just not going down. Am I best off trying the snowball method and paying off the smallest debt first or trying to get a loan big enough to pay off everything I owe and then have one monthly payment. My credit rating is now not great and I have never been in this state before so am feeling pretty shit to say the least.
TIA xx