I seem to have accumulated a lot of little debts this year and last My biggest is a bank overdraft of about £300 but I do have about 3 other smaller debts that are knocking at the door (not literally yet) that I need to start sorting out and trying to tackle. I had a few letters saying I was offered reductions but because my head wasn't in the right space I ignored them and feel a bit like I've shot myself in the foot with those offers now. I've set up payment plans to have my gas, electric, council tax and water paid after I fell behind with all of these and the rent is marginally ahead of itself now thankfully so house wise Im fine. The other debts I have are as follows Door Step Lender - £120 Avon - £165 Bank Card - £300 Bank Card 2 - £200 I'm hoping to try and get some of these taken care of by Christmas. My wages are a bit hit and miss but they pay the bulk of my bills. I get about £300 a month from them and £238 in benefits but this will go up next month to £345 so I'm hoping I can use that extra little bit of income to start tackling them. I am aiming to be debt free by Xmas - even if I just have one of the overdrafts left - but with two kids and soon to be three dogs - it will be a personal challenge. I'm hoping I have a few bits upstairs to sell as well that I can put the money towards. Fingers crossed but any advice, help, suggestions - much appreciated!