Which order

doodledo_2

I am a newbie to posting on this forum so apologies if I am asking the obvious.

My debt is made up of credit cards, overdraft, unsecured and secured loans.

My thinking is to pay off credit cards first as highest APRs (I will post a full SOA this evening) but then what next?

I do not get charged on my overdrafts unless I go over them which I try very very hard not to. My unsecured loans are about halfway through and always paid every month on time.

Would I be better applying to them to find out how much left and if I can overpay and what the outstanding amount is??

My idea is to leave the secured loan till last as a biggie and also has lots of fees for paying off early etc etc. So thought I would clear all unsecured first then put my energies/effort into the secured.

trying-very-trying

Doodledoo, it is really hard to give any advice without your full soa.
Remember though, that secured debt is considered a priority payment, so you really have to make your payments in full monthly, before you start distributing any other money to your other creditors.

doodledo_2

Just sitting doing my SOA now

My secured loan is paid every month without fail. I meant more as in looking into paying extra off it than just the monthly payment.