Best thing to do...

getmore4less

fleagle21 wrote: »

We've had a crappy few months lately, everything going wrong that possibly could, plus all the car insurance, tax etc has all come at the same time, along with a friends wedding.... the list goes on! So the £942's have all been used rather than being able to make extra payments

So your budget needs fleshing out to cover at least a years spends and savings needed for medium/long term commitments.

Also need some emergency saving till you get everything in the budget.

This will give you a clearer picture of what your true disposable income is and how much you have to allocate to debt repayments.

As I said before the loan is the first target ulless their are penalties, it is the highest rate.