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What should I do.

Should I go for a debt management or consolidation?
I am managing but not sure how much longer. Dont want to move or give up house.


Income £1369

Egg loan - Balance £8891 - Payment £200.09
Lloyds Loan - Balance £13405 - Payment £373.83
Debenhams - Balance £1000 - Minimum payment £43
Mortgage - Balance £97500 - Payment £673

Water - £36
Car insurance - £26
Phone and broadband -£44.70
Gas - £45
Contents insurance £17.55
TV Licence - £12
Overdraft repayment - £25

Income - £1700
Credit card - Balance - 873.26 Payment
Voluntary arrangement for debts from 1st marriage - £176
CSA - £300
Rent (shared ownership house) - payment 261
Loan - payment £75 3 years
Loan - Payment £38 3 years
Electricity - £31
Car insurance - 16
Loan £371
Loan £84
Life insurance £29
Sky £23
Mobile 30

Many thanks

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