I need help before the red letters start arriving

Tortured_Soul

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 3
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 1112
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1112

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 380
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 32.18
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 10
Groceries etc. ......................... 80
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 50
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 5
Entertainment........................... 60
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 667.18


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Credit card....................12157.6...330.......25.6
Overdraft......................800.......0.........0
Total unsecured debts..........12957.6...330.......-


Monthly Budget Summary
Total monthly income.................... 1,112
Expenses (including HP & secured debts). 667.18
Available for debt repayments........... 444.82
Monthly UNsecured debt repayments....... 330
Amount left after debt repayments....... 114.82

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -12,957.6
Net Assets.............................. -12,957.6

Created using the SOA calculator
Reproduced on Moneysavingexpert with permission, using other browser.

It shows no utilities as these are included in the rent (board).
I have no assets.
Live with pensioner parents.
I am over my credit card limit (£12000)
I pay for my bank account (£18/month)
Currently paying fees on my credit card ((£12) and bank account (£16-£24)

Where do I go from here?

leslieknope

try raising more income?

you have very little outgoings although you could cut down on entertainment and presents - do you need £240 a year on presents? people would understand smaller, less expensive gifts surely.

are you eligible for a balance transfer card? i would suspect not if you're consistently over the limit but worth a try so you're not repaying such large amounts of interest!