Faltered a bit but im back now

Hi guys,

I started my DFW thing in april and was doing fab, over £500 in ebay sales etc and was eating away at the debt thing.

Then I got a bit lazy...good thing is havent increased my debt since then, and have a bit of news......my partner has moved in, and we are now on track to do some serious chipping into this thing.

Here is my SOA

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 1200
Partners monthly income after tax....... 1200
Benefits................................ 880
Other income............................ 0
Total monthly income.................... 3280
Monthly Expense Details
Mortgage................................ 635
Secured/HP loan repayments.............. 239.29999999999995
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 94
Electricity............................. 35
Gas..................................... 45
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 55
TV Licence.............................. 13
Satellite/Cable TV...................... 70
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 70
Childcare/nursery....................... 440
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 6
Buildings insurance..................... 43.53
Contents insurance...................... 0
Life assurance ......................... 5
Other insurance......................... 13.9
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 24
Holiday................................. 0
Emergency fund.......................... 100
Total monthly expenses.................. 2258.73

Assets
Cash.................................... 2914.12
House value (Gross)..................... 100000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 102914.12

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 100000...(635)......5
Secured Debt.................. 10000....(239.3)....7.9
Total secured & HP debts...... 110000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
tesco credit card..............1210......37........16.9
overdraft #1...................2736.29...150.......29.9
Total unsecured debts..........3946.29...187.......-

Monthly Budget Summary
Total monthly income.................... 3,280
Expenses (including HP & secured debts). 2,258.73
Available for debt repayments........... 1,021.27
Monthly UNsecured debt repayments....... 187
Amount left after debt repayments....... 834.27
Personal Balance Sheet Summary
Total assets (things you own)........... 102,914.12
Total HP & Secured debt................. -110,000
Total Unsecured debt.................... -3,946.29
Net Assets.............................. -11,032.17
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

I missed a bunch off last time but think ive got it.
We do have a bit of excess cash but at the mo it is not accesible.

It looks like, now we have combined our wages effectively, there will be cash for the debts every month but thats on paper, he hasnt been here long enough to try it out yet!

what he would like to do, is split the money we have left before payday between us so that we have money for ourselves and dont touch the cash in the bank during the month. I'm not sure if that will work, cos ill probably end up chucking it at the debt while he buys computer games lol

havent sold on ebay for a long time, but have plenty stuff for it!

also, info about the huge overdraft...have an agreement with the bank whereby I pay £150 a month to it, but am curently moving over £50 a week just to pay it off quicker.

lost my motivation before and feel a bit scummy for it!
Teachers note...must try harder!!