It's probably been said about a million times

angelpye

Hi and welcome,

Paying off the highest APR as quick as you can and working your way down is often the most advised way - as long as you can pay your credit cards off in time for 0% end as sometimes the APR on those can be high. Use the snowball calculator as it will calculate where best to concentrate and in what order etc.

A SOA is always the best place to start and these guys on here are great at being able to point out where costs can be cut. I think sometimes we get into habits and don't realise how much we truly spend. But it is up to you if you want to disclose it. No one will judge you as we are all here for the same reasons but they will challenge you on cutting which can be really helpful and remind you of things easily left out i.e. haircuts, dentist, prescriptions...

Which app have you chosen? I keep pondering using one so interested to hear some feedback.

Goodluck