This is stuff you can get rid of today :

4th Youtube Premium (£12)

6th - Spotify (£15)

10th - Phone Airtime (£15)

20th - One-Drive (£6)

25th - Microsoft Xbox (£11)

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That's 60 pounds a month right there.

I don't know what "Phone device" is for which you pay 45 pounds a month - you can buy unlocked smartphones for 150-200 pounds, why would you pay 45 pounds each month?

You could probably stop paying the cat insurance for a few months, but you know better how healthy your cat is, if she had issues in the past or not, if it helped you so far, if you think it's gonna save you money.

I'd discuss with grandad and ask him to lower the monthly payment to 100 pounds or maybe even less, explaining to him that you have 7k at 26% APR to replay - that's around 160 pounds a month just in interest and that should be where all your extra money should be going right now (only higher priority would be friends you loaned money from that need the money back because you don't want to ruin those friendships over money).

If your car is worth some money, you should do some research to see if you could live without a car for a few months.