My sense check!

So if those have seen other posts ive mine, im an ex bankrupt. It was a failed business but I had personal debt also.

A few years ago i got a barclaycard. I needed my own credit card for business expenses with my employer. Amazingly the temptation of 0% kicked in an all sorts of things ive purchased, paid off but wow is it easy just to buy something and then think i can pay for it over a few months.

I recently paid for my windows to be replaced on my barclaycard. They cost £4000. I applied for a new credit card to transfer the balance to a 0% card and the card arrives next week. My wife and I have felt awful so we cancelled the windows and got a refund from the company.

I now have two credit cards, both with £0 balance but £9500 available credit between them!!!!
I am concerned that an "emergency" will come in and i will use them. So im hoping to use this DFD to sense check myself.

Now lets get down to debt:

Mortgage: 32 years remaining £115,732
Car PCP: £11,995 - 28 months remaining - PCP so amount payable before the contract end date is: £4712.96
Fender Stratocaster: bloody interest free! doh! £917- paying £42/month

The car is my wifes as i have a company car, but i am the only source of income so it is as good as my debt.

Mortgage is both of ours and the guitar, well i already have 3 so why i needed another one only musicians may understand.

My wife and I have decided that having cloudy windows is much more fun than worrying about loosing disposable income every month. I pay £250 into a S&S ISA on a monthly basis and still have a few hundred spare.

I dont want to overpay on the mortgage. I can, but i would rather put the money into a deposit account and reduce in chunks if my situation allows.

The plan is as follows:

Clear the debt on the Guitar. £250/month so 4 months. (August this year done.)
We dont need the car, but the situation is it will cost a few thousand to send it back, so it unfortunately is staying until August 2019. I am going to increase our payments to £200/month to clear the PCP roughly 4 months early. (that will give 4 months to save to buy a car outright)

Try our very best to leave all debt alone. Unfortunately i need a mortgage, but touch nothing else. If i think about it i can shame myself in my DFD and hopefully talk me out of doing anything stupid.

thanks for reading and thanks to Martin for this forum. :T