my debt free plan

Fire_Fox

Hi!

I think you are making a lot of sense clearing the overdraft first, but do try to save enough to clear the credit cards as soon as they come off 0%. If you overpay the mortgage first, you don't give yourself any breathing space should something major need repairing in your home or car, you get made redundant or fall ill or your partner gets PG.

With a mortgage you can take a payment holiday or go interest only or get help from the government: you can't do this with loans or credit cards. Plus the more available credit you have the worse your credit rating which might affect you getting a new 0% balance transfer card.