Don't know where to start!

deegis

Thank you for your suggestions.
To answer your questions :

Household Information
Number of adults in household........... 2

Monthly Income Details
Monthly income after tax................ 400 This is a rough estimate, it's variable
Other income............................ 0 I do not get loans as I am self-funding (my parents are) and am not elligible for grants due to my parents income
Total monthly income.................... 400

Monthly Expense Details
Mobile phone............................ 15 This is pay as you go with O2
Groceries etc. ......................... 100 Yes I need to cut back on this
Medical (prescriptions, dentist etc).... 75 This can't be changed, i am bound by a contract and it does not pose a problem really
Presents (birthday, christmas etc)...... Yes but i can't think of how much I spend on presents, this is usually done around christmas time, i don't buy them throughout the year
Haircuts................................ 0 Yes I spend about 80 pounds a month on my hair
Entertainment........................... Don't really go out
Total monthly expenses.................. 190

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly.. .APR You really need to find out the APR's in order to identify what these are costing you. On your credit report, it should provide contact details of your debtors - get in touch to arrange a payment Thank you, I intend to do this
Barclaycard....................502.......0........ .0
Capital One CC.................743.......0.........0
Loan...........................2360......0........ .0
Lowell Portfolio...............266.......0.........0
Lloyds TSB CC..................1359......0.........0
Total unsecured debts..........5230......0.........-


Monthly Budget Summary
Total monthly income.................... 400
Expenses (including HP & secured debts). 190
Available for debt repayments........... 210
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 210 No i don't and quite frankly I have no clue where it all goes, but will keep a spending diary from now on and shall soon find out

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,230
Net Assets.............................. -5,230



Thank you for your suggestions, I will try find out the APR's sometime, but because they have been defaulted on for a few years (I know, terrible ) I can't quite remember what they used to be.