My finances are a mess

I’m 20 and I just got rejected for a credit card which I’ll be honest I’m not surprised.

I live at home with a board of $260 a fortnight, I’ve got 2 loans 1x car 1x personal, totalling to about $9K left, maturity is early 2026, I have 2 (maxed) credit cards 1 is $600 with kiwibank the other is $4500 with Gem (worst idea I have ever had and I deeply regret that choice) and I use Afterpay a fair bit but I never go crazy maxing that out as I’ve already learned that lesson.

I just want advice on how I can get rid of it all by mid next year or just on how I can better manage my money or if debt consolidation is the right way to go?

My fortnightly take home is $1700.

I have 2 cars neither of which are legal and one of them is currently sitting, but my main one needs some work done which is why I’m asking this so I can afford things like that and not have $0 after each pay.

Side note, I have always stayed on top of everything never missed a payment and never been taken to court or debt collection. and I’ve got a really good relationship with the company that I’ve got loans from so I guess that’s a positive, I’ve just got no money for me or for things that come up.