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Seriously Irresponsible Spender :( ..Desperately need advice....
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In a Pickle, I have redone your SOA in the preferred format for you.
I have Left out what you want on savings.
Are you really paying no interest on any of your Un-Secured debt?
Me Personally with the £350, I would look to pay off Moorcroft, Iqor and Sky Debt, this will provide an addition £79/m to put towards the other debts, but without knowing the APR on the debts its hard to advise.
In theory you should have a spare £400/month left over, if this was the case, if you used the £350 to pay down as above, and stopped smoking and the payment into the holiday fund for 2 months you'd be debt free. This of course is based on your outgoings once you have moved in with the BF.
Welsh0
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