Which debt to kill first.
When you owe more than one person, the order you attack them in decides how much of your money survives. List what you owe and what each charges, and see what every debt costs you per month, most expensive first.
Debt payoff order
Keep paying the minimum on everything so nothing goes into arrears, then put every spare rand into number one until it is gone. Move to number two. This order loses the least money to interest.