Time to get focused!

Crankypants

Hi all,
Newbie here!
Long story short, I got a credit card at 18 whilst working in London on a low wage. Tried to chase a lifestyle I couldn’t afford and suddenly after multiple balance transfers I’m £30k in debt at 25 with a one year old (Mat leave pay also didn’t help!)
Fortunately I am able to afford the repayments and still have money left over for savings however I now have two years to sort things out as much as I can whilst saving for a mortgage due to parents selling our family home.
I’m ready to finally get debt free though I’m not sure how to get the balance between saving / paying debt.
Debt currently stands:
Halifax loan £14,500 £260 a month
Barclaycard credit card £8,600
Nationwide credit card £4,200
Virgin credit card £3,000

Any advise is thourghly welcome!

Crankypants

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 2278
Partners monthly income after tax....... 0
Benefits................................ 280
Other income............................ 0
Total monthly income.................... 2558

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 200
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 20
Gas..................................... 20
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 23
TV Licence.............................. 0
Satellite/Cable TV...................... 58
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 50
Petrol/diesel........................... 45
Road tax................................ 10
Car Insurance........................... 60
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 200
Childcare/nursery....................... 300
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 25
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 40
Other insurance......................... 0
Presents (birthday, christmas etc)...... 100
Haircuts................................ 60
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 250
Total monthly expenses.................. 1811


Assets
Cash.................................... 3000
House value (Gross)..................... 0
Shares and bonds........................ 300
Car(s).................................. 2200
Other assets............................ 0
Total Assets............................ 5500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Halifax loan ..................14500.....260.......0
Barclaycard ...................8600......200.......0
Nationwide cc..................4200......100.......0
Vodafone ......................3500......150.......0
Total unsecured debts..........30800.....710.......-


Monthly Budget Summary
Total monthly income.................... 2,558
Expenses (including HP & secured debts). 1,811
Available for debt repayments........... 747
Monthly UNsecured debt repayments....... 710
Amount left after debt repayments....... 37

Personal Balance Sheet Summary
Total assets (things you own)........... 5,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -30,800
Net Assets.............................. -25,300

Always seem to end up with more money left over than stated above!