I'm on a mission to become Debt free by jan 2013.

7 years ago I knew I had a debt problem I took a loan with natwest for 24,400. The total including interest was £30,400.
My car then broke down so needed to buy a new car took a £10,000 loan. I then rang up Halifax for a settlement and they sold me another loan. Ao for 6 years ish I have been paying these loans.
Last year I closed all my CC an store card only to apply for more credit cards. My brother lost his job so I needed a back up. My student loan has started to be taken out of my pay now as for some reason not sure why it didnt happen before.
So now I have the following debt:
£3500- pay 362 a month to Natwest loan 6.1%
£3000- pay 150 a month to Halifax int rate 6.1%
£3300 - pay 90 a month to Halifax int rate 9.9%

I tried to consolidate them all and Natwest offered me 16.6% I was like no way!!

I also have a Natwest 0% CC £1539
A Barclays 0% CC - used for my brother £2500
Capital one -29.9% - £500
A Barclays mortgage OD 3000 - which I'm not too concerned with as I make sure my salary goes in so I get less interest payable.

I also have to save for my wedding which is set for later this year but am thinking it may be better to wait until 2013. When I will be in a better position.

I am hoping for a payrise or even better a bonus,y brother will get a job so I will be 890 better off, as he split cost. Also my bf is recently unemployed an he needs to get a job ASAP.

I just think maybe I should wait to get married only 6 months but I will be in a better position I hope.