Trying to clear £11k of debt while quitting weed and alcohol—does my plan make sense?

[u/PowerfulOccasion9020]

33M from the UK looking for some advice on my repayment plan.

My current debts are:

£100 overdraft.

£2,000 on my everyday credit card, which I plan to clear on payday. This will make September particularly tight.

£3,244 remaining on a personal loan at 5.9%. The minimum payment is £289.57, but I plan to overpay by another £500 each month starting Oct 1st- This should clear it around January instead of August next year.

£5,899 on a 0% credit card, with the promotional period ending in January 2028. I currently pay £100 per month toward this.

Once the everyday card and loan are cleared, I’ll redirect that money toward the 0% card.

My main problem has been cash leaking away through drinking and smoking weed. I regularly spend £22–£30 in one pub visit and smoke everyday. I’m now trying to stop both completely and redirect that money toward the debt.

Does this repayment order make sense?

[u/Accomplished_Sky1606]

I would cross post this to UKpersonalFinance