Light at the end of the tunnel

enthusiasticsaver

Well done on getting that overdraft interest down.  They are really expensive now.  I would cancel the limit when you get it repaid so you are not tempted to dip into it again.  I use clear checkbook rather than YNAB but I have heard good things about YNAB. Anything which helps people budget has to be good. Are you tackling that Nat West Mastercard first?  

I am not sure how much disposable income you have but £1750 is a good monthly repayment to make.  Have you built emergency savings and sinking funds into your budget? I agree it is not worth arguing every spend with your DH.  If you use Sky/netflix a lot then as you say look for savings elsewhere as you have with the broadband and energy suppliers as well as the great saving on the tesco shop rather than a takeaway.  Keep going and that figure will look a lot less in a year or so time.