Help with shuffle of card aprs

WOWICANDOIT

Hi I am trying to get a handle on my finances as I have 5 credit card with various aprs, I need some informed advice on how best to reshuffle to llow quicker repayments.
ok cards are as follows

Virgin balance 4600 0% for 16 months total card limit 5000

tesco balance 6300 16.9% card limit 9700 (no balance offer available at present)

Egg balance 2300 21.9% card limit 3000

capital 1 balance 1400 card limit 2100

barclaycard balance 4100 card limit 4500

I have 800 a month available for repayments
thanks
julie

dreamywings1

Do a SOA HERE then play around with the snowball.

Someone wiser than me will be along shortly to offer more advice but posting your SOA will give people a clearer look at expenditure and offer more productive ways to clear the debt off sooner.

Regards
Dreamyx

WOWICANDOIT

Thanks my expenditure is down to bare bones thanks to all the tips i pivked up here. I just need some other points of view before i start to shuffle balances.
Thanks for reply

WOWICANDOIT

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1085
Partners monthly income after tax....... 190
Benefits................................ 845
Other income............................ 0
Total monthly income.................... 2120
Monthly Expense Details
Mortgage................................ 252
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 75
Electricity............................. 90(ARREARS)
Gas..................................... 60(Arrears included)
Oil..................................... 0
Water rates............................. 53
Telephone (land line)................... 15
Mobile phone............................ 35(mine husband and 2 kids all payg)
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 10(mobile dongle)
Groceries etc. ......................... 240
Clothing................................ 20
Petrol/diesel........................... 60
Road tax................................ 10(1 car paid via work)
Car Insurance........................... 50
Car maintenance (including MOT)......... 10(1 car paid via work)
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 25
Contents insurance...................... 0(in above)
Life assurance ......................... 10
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 5
Entertainment........................... 0(part of grocery)
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1062

Assets
Cash.................................... 0
House value (Gross)..................... 250000
Shares and bonds........................ 0
Car(s).................................. 15000
Other assets............................ 0
Total Assets............................ 265000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 49000....(252)......0
Total secured & HP debts...... 49000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
tesco..........................6300......142.......16
barclaycard....................4100......98........24.9
virgin.........................4600......45........0
hsbc loan......................3645......179.......0
egg............................2300......56........21.9
capital 1......................1400......35........24.9
Total unsecured debts..........22345.....555.......-

Monthly Budget Summary
Total monthly income.................... 2,120
Expenses (including HP & secured debts). 1,062
Available for debt repayments........... 1,058
Monthly UNsecured debt repayments....... 555
Amount left after debt repayments....... 503
Personal Balance Sheet Summary
Total assets (things you own)........... 265,000
Total HP & Secured debt................. -49,000
Total Unsecured debt.................... -22,345
Net Assets.............................. 193,655
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.


Any comments greatly appreciated
julie

WOWICANDOIT

These are my current figures. Partner unable to work more at present due to ill health.