Debt free in less than 2 years - Which card to pay down first?

Debtfreedeb53

Hi all, 

I've decided to start this debt-free diary as a way to keep myself accountable and on track with paying down my debts. I have a debt free date goal of December 2026. I'm just not sure where to start and what card to pay off first? Here are a list of my debts with the interest rate and balance. I do have 2 affordability complaints with the FOS that are being looked into. 

Paypal Credit £2,500 (21.9%)

MBNA £2,105 (29.9%)

Virgin Money 1 £1200 (27.5%)

Virgin Money 2 £450 (0% until 30th June 2025)

Fluid £740 (0% until end of Aug 2025)

Aqua £785 (0% until end of Aug 2025)

Marbles £1,800 (29.9%)

Debt consolidation loan £14,450 (29.96%)

I have around £450 extra to put towards my debt from the end of July. Any tips would be greatly appreciated! Thanks

Cherryfudge

A general rule is to go for the highest interest rates first - but some people like to get the smaller debts out of the way for the feeling of progress.

How much do you have available to put towards the debts each month at present (and have you drawn up a budget that includes all those extras that don't come up regularly)?

Ordinary_Yet_Unique

A Statement of Affairs (SOA) would enable others to suggest possible ways forward on your journey.