at wits end

RAS

doyda wrote: »

Unsecured Debts
Description....................Debt......Monthly...APR
halifax one....................5900......130.......24.9
barclaycard....................4850......111.......14.9
virgin.........................5900......90........15.9
car finance....................1750......105.1.....NaN
car finance....................9000......219.......NaN
lloyds tsb.....................3750......20........12.9
virgin.........................3500......60........17.9
natwest........................500.......11........12.9
cap one........................500.......20........12.9
mint...........................4300......30........12.9
Total unsecured debts..........39950.....796.1.....-

Monthly Budget Summary
Total monthly income.................... 2,905.36
Expenses (including secured debts)....... 1,814.36
Available for debt repayments........... 1,091
Monthly UNsecured debt repayments....... 796.1
Surplus(deficit if negative)............ 294.9

OK

This is where you need to start thinking straegically.

Are either of you able to get a low life balance transfer?

If not then what are the maximum limits on those cards?

In the immediate short-term, you need to hit that halifax card with every spare penny as that is costing you most.

See the snowball on www.whatsthecost.com and check what happens if you pay £270 off the halifax and if you pay £30 of each of the cards each month?

Unless, you think you can get a cheap balance transfer if you clear the Natwest card?