Should I close paid-off credit cards immediately?

Not always. Card closures can affect utilisation and history, so review your wider credit profile first.

How often should I update my plan?

A monthly check-in is usually enough. Update sooner after income or expense changes.

A simple UK-focused framework to prioritise repayments, reduce interest, and build a steady plan.

Use this guide as a practical checklist. Then run your numbers in the calculator so each step reflects your own balances and APRs.

Start by listing each balance, APR, and minimum payment. Visibility lowers stress and helps you choose the right strategy.

Use the debt payoff calculator to see your full timeline in minutes.

Debt snowball focuses on quick wins by clearing the smallest balance first.

Debt avalanche focuses on reducing total interest by targeting the highest APR first.

Even an extra £25 to £100 each month may shorten your payoff timeline meaningfully.

Track your progress monthly and adjust your plan when your situation changes.

A promotional balance transfer may reduce costs, but fees and time limits matter.

Use the balance transfer calculator before you apply so the trade-offs are clear.

Action summary

Run your own numbers to turn this framework into a clear next step.

Add all balances, APRs, and minimum payments.

Compare snowball and avalanche based on your monthly budget.

Save your plan if you want a reminder and follow-up checklist.