debt relief order advise-or general advise

RAS

You are in Scotland (since your water rates are in with the CT)?

You need to add the things that you spend like the meal out to your SOA, as it matters.

£100 for present is huge and needs to stop.

And you need to get hold of the CS this weekend. You are entitled to 20% of his net salary if they are both his children less a bit for the night your son spends with his dad.

poppasmurf_bewdley

When I was in your situation, I found that packed lunches were much cheaper than school dinners.

As has also been said, £100 per month for presents is excessive. You have to be strong on this and explain for the time being finances preclude you from buying anything more than a token present.

You can save £10 a month by reducing Sky from £30 to £20. Go to 2 mixes before end of August (say Entertainment and Kids) and you will then get all 6 mixes for the same price for 12 months from September 1st due to Sky's new package scheme.

Under no circumstances even consider a new car - you simply can't afford it.