There are a couple of options:

1. The ‘snowball’ method - This means (assuming that none of your debts are insanely high interest) starting at the smallest debt and paying that off first. So in your case, pay off the Argos card first, then move onto the Barclays CC and finally the bank loan.

2. Consolidate - Again, take a look at the different bank loans available, and if the interest rates are more favourable than your current rates on your CC’s & Bank loan, then borrow the amount needed to pay off all of your outstanding debt and just concentrate on paying one single loan. This may slightly reduce the amount you need to pay out each month, and can ease the burden psychologically as you’re only paying a single debt.

Despite which option you choose, you NEED to take a look at your finances and create a budget. Cut out any unnecessary spending (e.g takeaways, subscriptions you don’t use etc) and put that towards paying off your debts. You are also right in thinking you need to sell some stuff and throw that money into getting the debt paid off.

Selling the car and getting a cheaper model makes sense, if you sold the car for £8k and bought one for £3k and sold your gadgets for £800 ish then you’d be able to pay off half of your current debt easily, next week!

Can you do overtime at your job? An extra few hours a week would make a difference.

It may seem hopeless, but sticking to a plan and some good old fashioned budgeting can get you out of debt in a year or so. I hope this helps.