Making this official

wardley

Howdy,
I've been trying to flirt with working on clearing my debts for a while now and since Sept I've had an all-powerful Spreadsheet setup that I'm suppose to try and follow.
Last summer I was, I hope, 'peak unsecured debt' when I was £13.5k in total spread over 5 credit cards, 2 high interest loans (MrLender and 118118Money), a PayPal account and a 'fake' overdraft with Drafty.  Alongside that I'm also 20 months into a 5 year car loan (another £5k).
The grand plan is to have all the other debts cleared before the car loan is paid off on the 1st June 2023 although if I can follow the all-powerful Spreadsheet I should actually have cleared the unsecured debt by the end of the summer in 2022. 
What I'm good at:
For the last 3 years I've been meeting all my minimum payments on all my debts (and other bills) every month.  So, that's should be good.  Although I've checked (with the 'eligibility checkers through CreditKarma, Clearscore and MSE Credit Club - not with actual 'live' applications) and I can't get any 0% transfer balance credit cards at the moment - presumably because all my cards are maxed out.
What I'm bad at:
In the all-powerful Spreadsheet I've worked out after all my commitments how much I should have to spend each week on necessities (food etc.).  In theory, I'm supposed be separating my spending money for the week from everything else and then just top that up each week.  However, although I do move all my bill payments into a separate pot (my main account is with Monzo) I don't do that with my general spending money afterwards and at the start of the month go a bit 'wild' and overspend the first weeks budget in 2 days on luxuries and then at the end of the month I'm cashing in my coin jar....
Also, I'm terrible at planning for shopping.  I waste a lot of money at the local cornerstore where I end up buying most of my groceries rather than doing a big supermarket shop once or twice a month.
General approach
I'm currently 'sat' at £10.5k debts although most of the repayments have been on the 118188Money loan and all my credit cards are still maxed out.
I'm going for the snowball approach to clearing this - concentrate on one of the smaller debts and clear it, then move on to the next.  Although, at this precise moment, I'm actually waiting for the first 'high interest' loan from MrLender to clear which will be in May.  After that, I'll then start snowballing the repayments as each one clears.
So, I've got 3 main concerns at the moment:
1) The Drafty debt specifically - my credit with them was £750 and I used it up but then just started paying it back and ignore it.  Paid back about £100 after 6 months or so and then they sent me an email to 'remind me' I had that credit at a time when an extra £100 was useful so I took it out again.  About a week later they then said they'd reviewed my account and reduced my credit to £410 - that was about 5 months ago but since then they're still just happy to take the minimum payment and not insist that I pay back immediately enough to get to below my credit limit.  This is going to be the next debt I clear after the MrLender loan is gone but I am still worried that they will take action before I'm ready.
2) This new rule that's about to kick in when credit card companies are supposed to help those in persistent debt to clear it but does allow them to cancel credit accounts if you're just paying back the minimum each month.  When you're snowballing, would a credit card company accept that you've got a plan but because they're debt is the highest, you're not going to get to them until 2022?
3) I literally have no savings or backup if I need something extra.  The car MOT is due in April and if there's anything major that needs to be fixed, I'm pretty stuck.
I know there's a rule that's recommended of 50:30:20 - 50% of your income on necessities, 30% on luxuries, 20% on financial management (either debts or savings) but at the moment with my debt repayments (not including the car loan) I'm spending 40% on making my repayments.  I am thinking maybe after I've cleared MrLender and Drafty if I should slow down slightly to try and get the debt repayment figure closer to 20% to give me a little 'breathing space'.
So, that's it for now.  Payday is a week on Thursday and the priority right now is to not borrow any money from friends to last until then (because that also screws up my weekly budget for March if I have to pay most of the first week out paying back friends!). 
After that, my goals for March are:

• Set and follow my weekly budget 
• Plan a supermarket shop
• Take my own lunches into work

Lets see how this goes...