u/FluorescentFeather

Interested in hearing different approaches to this.

I have:
£5.2k on 0% till Oct 26 - paying off £150 p/m
£9.8k on 0% till July 28 - paying off £300 p/m
£2k currently paying interest on & will need to make a lump sum payment to get balance down

(The big balances are from house renovations, the £2k is general life expenses like car insurance, road tax, new carpets etc that has built up)

I’ve got access to:
£4.5k in savings
£1.4k bonus payment in June
£9.8k in a shares account (fluctuates with share price)

I’d like to have a baby in the near future but I know I can’t afford my current monthly outgoings once on statutory maternity pay so I want to get on top of the credit cards.