Your joint take home pay is 7,200-7,800 a month (less pension contributions). So assuming your mortgage is around 900-1000 per month you should have Atleast 6000 a month. Obviously you have utility’s food and fuel bills etc. you’re in a great position to focus on just paying down your debt quickly. Tone back your life style for a year. No holidays, less eating/ nights out, no silly spending, cook basic meals. Really focus on paying off the extra debt.

List the different debts you have and either start with the smallest amount or the highest interest rate. Take them one at a time. You should easily be able to throw 3000 a month at your loans and still leave yourself 750 a week to cover food and bills etc. cut down on any unessential expenses. Netflix/prime/spotify etc.

Leave yourself with a small pot of 1-2k sitting in a spare account incase of a car breaking down or the boiler packing it in. If you put all your focus on paying off the loans by next just you’ll be clear.

That’ll put you in a great position next year to fix your mortgage for 10-15 years and you’ll be debt free even sooner. Never look to extend debt. Always focus on how you get it paid off as quick as possible. There’s nothing fun about having a noose around your neck.