Sam,

I think that your real problem is your ability to budget ?

You need to write down ALL your outgoings and income and come up with a maximum figure that you can spend on (for example) socialising and when you reach that figure - stop

You need to prioritise your outgoings and decide which is more important - ie) after Gas/Electricity/Rates/Water etc - I would say the Credit card is more important than the loan - since the interest rate is going to be higher

I would suggest that you consider transferring most of the credit card debt on to your loan - unless the loan is not from a bank ?

Anyone else like to add anything ?

Twee.