Help! State of affairs

Darrenluke

What would you do?

Good earners - self employed variable income - Probably around 6-7k take home a month.

BILLS: 
Mortagage, Utilities, Taxes, CM, Food is around 3.5k a month. This is unlikely to shift much.

DEBTS:
We are repaying my Dad back £200 weekly (6.8k remains)

AA loan £160 monthly (balance is £470 ish ends in 3payments time)

Klarna (bathroom) £88 a month (balance remains is £765

AA loan £465 monthly (ends Feb2027 balance of roughly 14.6k remains)

MBNA @ 0% @ 3.8k (paying £500 monthly currently but not sure I can keep this up)

A new United Trust Bank secured loan around 65k @ around 10%  - we used this to debt consolidate after we used credits cards etc to do an extension on our home.

Mostly I’m concerned about paying as much debt as possible before remortgage which is due in June (so we can begin looking in Feb(?) 
Im considering using my overdraft to hurry something along (I have 4k unused overdraft) We also have our 5k business overdraft I could take from to pop into personal bank account.

Any wise words are welcome!

Darrenluke

I should add the UTB loan is costing us £660 monthly 

kiss_me_now9

I think you might want to post this in the Debt Free Wannabe part of the Reduce Debt and Boost Income forum - https://forums.moneysavingexpert.com/categories/debt-free-wannabe

They'll ask for a SOA (Statement of Affairs) and help you figure out what the best option is for your unique situation.