What's the best way to tackle my debts?

Pollycat

Hi Megwump
I guess the decision is yours whether to consolidate, you sound quite sensible so maybe you could manage it that way.

One thing that struck me was the £200 for food & drink.
I'm assuming this is your 'grocery' bill as you mention other funds for shopping, holidays & nights out.

We spend around £200 per month on food and drink, we eat very well and buy decent wine when it's half price and OH likes good beer.
You should be able to reduce this by quite a lot (you may have a hump to get over when you first move into your new place to stock up on stuff).
Check out the OldStyle board, there's lots of tips on menu planning, cooking in bulk etc.
I cooked a lovely beef stew in my slow cooker last night, meat was reduced to half price, so was veg pack. It made 6 portions and cost just over 50p each.

Good luck

megwump

Thanks Pollycat, and others for the tips - I realise I have to shop around a bit for deals when I move next month, and will definitely use the resources on this site to help me get the best value for money.

Pollycat - I am erring on the side of caution here and I am certain it will come down, but it should pretty much cover any nights at the pub as well

I think what I might try to do is renegotiate my loan and credit card, and pay my parents separately - they are happy with monthly installments so I don't need to worry about paying interest there.