Can’t get a balance transfer card??!!

Ellalou

Yeah I know, totally take on board your comments.

I know it has been bad habits that have got us here, I’m trying to change those now. 

WillPS

You're on the right path stick with it and you'll be in a much better place sooner than it might seem.

Brie

Stop using your credit cards is the first step. 

Then clear the M/S one and if needed you could use that but clear it in full every month.  Better yet - put it in plastic pot full of water and put it in the freezer.  You can still use it but you'd have to thaw it out first!  Gives you time to think.

Set an amount to be paid from each card rather than the minimum as others have already mentioned.  Just a £1 higher is fine but pick out the one with the highest interest and put as much as you can afford against that.  Adjust the amounts every couple of months to keep everything minimum + £1 except the highest interest card which you should keep trying to increase the payments.

Each chip in the debt will make life much easier.  I've been chipping away at mine for a couple of years but I'm making progress.

Ellalou

Thank you, some great advice 👍🏻