best way to clear/tidy my finances pls

nadmaj

Hi ya
I'm trying to clear/tidy my debt and these care the cc i have

mint - [EMAIL="£864.@£15.17"]£864.@£15.17[/EMAIL] interest
marbles - £ 286 @7.00 interest
Barclaycard - 6.3% for 3 years - £1191 @ 16.69 interest
sonycard £1194 @ 23.96 interest
citi - 4.9% life of balance £1398 @ 5.76 interest
marks and spencer %1613 @10.64 interest
flexiloan - £338 @ £33.33 payment per month (with 5.16 interest)

right this is what i've decided to do so far

got virgin cc with 0% til october 2010 for £3200 limit

Transfer
Sony (1194),mint(864),marbles(286) and pay off flexiloan to virgin I'll have 518 left over for another balance transfer.

what do you think? and please advise me off a better cheaper alternative if possible.
thanks.

I'm also thinking of ringing barclaycard and citi to negotiate a better long term deal.

what is the best place to seek help about clearning debts as i know there are alot of companies out there but not sure which ones are legit and to trust.
thanks nadmaj

KonkyWonky

Rule of thumb is pay off the highest rate debts first.

The flexiloan looks to be your lowest interest debt so you should prob look to pay others off before that......

CLAPTON

it's somewhat difficult to understand your figures

but essentially transfer your highest APR debts to your 0% CC

once you have done that then pay the minimum on each debt except the one with the highest APR ..on that pay as much as possible
that way you will pay off the debt in the shortest time and with paying the least interest.