Hey Scattymam1

...... I have no tips as honestly the most unorganised person in the world at times! I originally made arrangements with creditors (still do so with most) and have just thrown as much money as I can at them. I'm lucky in that hubby is supportive (debts prior to him!) and he pays for more re hols and household until such times as its cleared.
I honestly feel on home straight. Kind of snowballing now, pay minimums and put aside £400 per month into savings until I have enough saved to clear the lowest debt then I clear that and add what I save by clearing it to the monthly savings. So next debt I clear should be one I pay £70 per month too so after I have cleared it in full I will start to save £470 per month until the next one has gone. It's hard slog and I would love to spend the £400 odd a month on something else rather than save it to clear debts but it has to be done....by the end of this year I hope to be debt free.
Right enough wafflings from me....I do it far too much!
Choc x