Debt Free Journey Starts Today!

Mill94

27 year old man here, making good money as a construction project manager. Always relied too heavily on credit and it’s crept up on me and I’ve realised I need to get a grip now before it gets any worse.

Personal Loan - £7151 - 11.1%
CC1 - £3200 - 39%
CC2 - £1097 - 0%
Monzo Flex (BNPL) - £550
Very - £398 - 
Next - £450 

Total £12500 ish; these are rough figures as I don’t have them to hand but I do know what the exact amount is. Monthly payments about £580. 

I’ve entered into an arrangement with my loan provider and CC1 provider, freezing all interest and charges and has reduced my monthly repayments to £300. I plan to use the free income to clear the Monzo flex first to free up that money, an extra £100 a month in my pocket. 

I chose to deal with my creditors directly rather than getting an IVA which several people have tried to entice me into. 

After that, I’m not sure which debt I should make my priority. Any advice?