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Two years to debt free! Let’s do it

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I’m very new to the site and want to start a diary to get my targets down and keep the focus going:
A single mum with two grown up children you would think I’d have it sorted but noooooooo.  
I’ve borrowed to support education and quite frankly I spend to cheer myself up so it’s time to get this thing under control. 
Debts £12000 on CC and £13k loan To clear. Any suggestion I’m all ears 😊
I’m doing the Tilly challenge and CC is 0%. Paying off £400 per month but more if I can. Loan is good interest rate and paying off £350 a month. 
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