Help.... Any ideas?

Tixy

Hi Roca

I notice that you have loan insurance at a cost of £25.49 per month. This seems a lot of money! Is this for both loans or just one of the loans? If so which one? If this insurance was bought of part of the loan then you are likely to be able to get it substantially cheaper by buying standalone insurance.

As tallyhoh has suggested you need to get out the policy document and consider whether your job and circumstances would allow you to actually claim the insurance if required. If not, or if you were told you had to take insurance then you may have a claim for mis-selling.
Either way I'd suggest you have a look at this article- http://www.moneysavingexpert.com/insurance/cheap-loan-insurance and consider cancelling yours and buying a cheaper policy.

I also see you have laptop insurance - often this would be covered by contents insurance (or your parents in your case) - have a look and see if it is, or at least double check that you are getting something extra that is worthwhile to you for the extra cost.

As you don't have that many different costs there doesnt look to be a lot of places you can cut down, check your mobile and see if you can drop a tariff or move to a cheaper tariff with more mins/texts (look at PAYG as there are some great deals around at the moment).

Do your parents know you are struggling and the extent of your debts? Might they be willing (and able) to reduce your rent in the short term? If they could drop it by £50 this would make a big difference to the amounts you could repay. If you do have any extra money then target the credit card as this has the highest APR.
As suggested if your credit rating is okay you could try for a BT to a 0% card but bearing in mind your salary and amount of credit you may not qualify. Only try applying to one as multiple applications can affect your credit rating.

Any chance you could get paid overtime at work? Any chance of getting a second parttime job? Even if you just did something seasonal from now until Christmas (perhaps in a bar or shop) that would help things.

Good luck.