So this is a “little” breakdown of my financial mess. All my cards are nearly maxed out so just to make it easier I’ve rounded up what I currently owe on them:

Halifax – £500

Santander 1- £1000

Santander 2 – £1000

Barclaycard 1 – £2500

Barclaycard 2 – £5500

Capital One – £1800

Apart from the credit cards, I’ve got an overdraft which I’m always fully in each month.

Overdraft – £2000

So the Internet says that the best way is to start with paying off the smallest debt first so you can get a boost and stay motivated to pay off other cards. In my case it will be Halifax. I may be overambitious here, but I want to pay off this card by 23 October 2016 – that’s 49 days away…