Debt Help/advise

mobo99

Hello all,

I need help, not to sure what the best way is to manage my debt/finance, can you offer any advise?

here is my finance/outgoings/income:

Credit cards:

MBNA 2000 80.00 per month
Abbey 2000 5.00 per month(4 months 0% left)
Citi 750 20.00 per month
Barclaycard 2050 46.00 per month

Loan 3887 106.00 per month (3rs remaining) 9.9% apr
overdraft 1500 10.00 per month(charge)
HFC 100 12.00 per month (about 10 months remain)

Mortgage 67000 500.00 per month
Council tax 115.00
sky 17.00
Broadband 15.00 (includes free phone calls)
BT 12.00(line rental)
Insurance 16.00
Gas/Electric 95.00 (changed and capped)
Mobile 30.00 (9 month left contract)
Smokes 50.00 per month
Travel expense 50.00 per month

Income £900 per month (crunch effected company business 5500 paycut!!!)
£300 per month from partner (she buys the food/essentials etc as well)

Total income £1200
Total outgoing £1179

Appart from quiting smoking and cancelling sky any idea on how to save money-My credit rating is quite low as my parnter was out of work for ten months(redundant) which made us juggle/miss/late payments. Still catching up on one mortgage payment that was missed, paying £20 extra per month (normaly £480 pay £500)

Thank you in advance to anyone with some suggestions!