In need of real help want to be debt free!!!!!

Hi All,

If this thread is in the wrong place then please let me know.

I am really wanting to be debt as i completely what state my finances have got into. Currently i earn £17.5k a year, i know it is not great and could be better but i am currently trying to make it work until i find another job that pays more.

Currently i am live alone, however i do have a daughter from my previous relationship and i am paying child maintenance for her and never missed a payment.

I currently have several payments set up with a few companies to payback the outstanding payments, currently these are set up for the minimum payments that the companies will accept.however this is where the issues seem to start. as i still have other companies chasing me for payments that i can not meet.

I have completed a budget planner and looked at my current finances and this is showing that i have a cash balance of £8.85 free each month.

Some of the payments that i am paying is for a car that i have to which i can not contact the company and speak to to try and arrange an extension on my payment plan to decrease my payments that i currently have as this car finance is through my former partners father, and my former partner and me were using a credit card through her parents and i am also making a partial payment on this each month.

I am stuck with what to do and how to make ends meat and also make all the relevant payments that i have still to make, such as a outstanding energy bill and a outstanding overdraft on a joint account that is still to be paid.

I currently have no savings and have no social life at all as i have no spare cash. currently all i do is go to work, go home, eat , sleep and repeat.

Has any one any ideas how to help.