Help getting rid of credit card debt

orcocan

you also want to have an emergency fund to cope with any unexpected expenses without having to use credit cards, put say £30/month and it'll build up.
You can shave off a few things here and there (bills seem high, have you checked if you can switch to cheaper deals? mobile phone you could switch to pay as you go) but overall it seems balanced (do you actually have 200 quid letf over every month? taking into account pro rata of annual expenses too)

Try to see if you can find any 0% balance transfer deals, if you're very disciplined and cancel the old card immediately and never use the new one to get new credit... have you tried to use the snowball calculator already?

jock23

To be honest I am not sure on the Apr of each card, but it's not far off.

I have already closed most of the cards and got the Apr frozen.

There may be a little bit not accounted for but it isn't much.