Prioritising and paying off....

wiggywall

Morning all,

Been in debt for a few years now, have my affairs in order so I never miss a payment, haven't done so for 3 years.
Was down to around £8k, then I moved abroad, just as the lockdown and quarantine hit, so I was unable to find a job... I had a bit saved up and managed to secure a money transfer at 0% for a year on a credit card with minimal fees and have now found employment with a decent enough salary around 4000EUR after tax which is around £3500
I have £3200 on loan at 6% - Payment of £455 a month - which I took a payment holiday on as wasn't sure when I would find work, so no payments due until August
£2.4k on card at 0% until December
£5k on another card of which £1600 is interest free (as transferred balance from another card) until October 2020 the rest is at 24.9%
£3.6k on another card which is interest free until March next year (which was the money transfer I did whilst unemployed).
Looking for advice on whether to pay off the credit card at high interest, in the couple of months I have the payment holiday on the loan. Or get the loan cleared ASAP so I do not have the minimum payment commitment.
I have around £2.5k in an account I use to do matched betting - not sure how familiar some peope are with the concept, but the more money you have available, the more offers you can uptake and more you can make.
Would anyone also suggest using the £2.5k I use for matched betting to clear the credit card interest, knowing that I make around £600-£700 a month on this. 
Outgoings (have made conversion into £'s)
Rent: £600
Phone: £28
Fitness coaching: £400
Sky TV/Netflix: £70 (sky is ending in a week or so) so will be down to £10
Food: £250
Haircuts etc: £30
Which comes to £1378, so I have around £2200 spare per month and would like to leave around £300 free to be able to enjoy myself, whether it's buy something for the new house, or go for a meal as the rules where I am are becoming less strict. 

How woudl you allocate the £1900 to effectively clear the debt, I am open to reducing other costs, but I have aspirations to compete as a bodybuilder also and this is a welcome distraction from financial worry!

I know I am in a lucky enough position to pay this off quickly, but I get dragged down and constantly ponder on the past and things I can do to pay it off quicker - happy to listen to all advice.

Many thanks!

DrEskimo

Sit down and go over all your spending for the last few months and get an accurate picture of what your spending your money on. You can use an SoA (https://www.lemonfool.co.uk/financecalculators/soa.php) to help you categorise all the costs. 

If you are sure you have accounted for all your costs (remember to factor in savings for annual bills) and you really do have £2k+ to spend on paying down your debts, simply list them in order of higher interest and pay them down as quickly as you can. With the amounts you are talking about, this shouldn't take you long so don't think you need to agonise over exactly which ones to pay off first.

The key is making sure you do have this surplus income, and having a written budget going forward to make sure you don't need to access credit again in the future.