DEBT/DONT KNOW WHAT TO DO

EimearF

Hi, on the share save front although it is taken from your pay directly you dont actually save any tax on NI - at present it is just a savings account. If i were you I would cancel the option, which will increase your take home pay and give you a lump sum (only what you have paid in to date not the profit on the option). Saving in a long term scheme just is not right for you at the minute. 
Try manually typing in the SOA as you suggest. We can give better advice then to help you get current but its good news you have some savings you can get out of the sharesave scheme. 

Mr87

Well done. Why don't you write the SOA on paper first and then type it in, using the headings. I'll volunteer to stick it in the calculator and repost it for you. 

ronnies6

Thankyou both very much, I will type this in tomorrow....so kind and helpful thankyou both/all

ronnies6

Hi all,  I am going to type my SOA manually as Mr 87 has kindly offered to input my information to be calculated. It will take a while so here goes:                  HOUSEHOLD INFORMATION.                    Number Of Adults.  . .... 1.                           Number Of Cars................1
MONTHLY INCOME DETAILS
Monthly Income After Tax.........£2090
Partners Monthly Income...........£0
Benefits/Other Income................£0
Total Monthly Income..................£2090

ronnies6

(CONTINUED)
MONTHLY EXPENSES
Mortgage...............£648.17
Secured/HP loan......£0
Rent..............................£0
Council Tax.................£110
Electricity.....................£34
Gas.................................£34(Dual Fuel payment which totals £68)
Water Rates.................£40
Telephone/landline....£0
Mobilephone................£20
TV License....................£13.20
Satelite Cable TV.........£0
Internet (includes landline and phonecalls)....................£47
ASSETS
Cash..................................0
Shares..............................£3000
Car.....................................£0(20 +years old)
Other Assets..................£0
SECURED/HP DEBTS...£0
UNSECURED DEBTS
CREDIT CARDS:....... BARCLAYS
DEBT...........                £3050
MONTHLY COST......£95
ÀPR%                         26.68%
CREDIT CARDS........NATIONWIDE
DEBT...............            £4200
MONTHLY COST.......£95
APR%...........................15.9%
CREDITCARDS..........LLOYD
DEBT...............             £5500
MONTHLY COST.......£155
APR%............................22.44%
CREDITCARDS.......... SANTANDER
DEBT................              £3600
MONTHLY COST..........£98
APR%........                       ?

EimearF

Is this all the debts -didnt you mention loans? By my calculations your fixed outgoings are £1330 above - you haven't included for emergency fund, entertainment, holidays, gifts, clothes, hairs cuts,any insurance, or food/petrol. 
Even with figures for those missed items you can make your monthly payments. I think snowballing is the right approach for you. It wont be quick but its doable. You need to stop the sharesave it gets you £220 a month more in your hand and a lump sum. keep £1k as your emergency fund and then use the rest to clear as much of the Barclaycard as you can. 
Have you check MSE credit club to see if you are eligible for any 0% balance transfers? that could save you a good bit a month too. 
Do you need a landline if you have a mobile? 

ronnies6

CREDIT CARDS DEBT (CONTINUED)
CREDIT CARDS.........MBNA
DEBT........                     £10000
MONTHLY COST........£155
APR%......                     8.93%
CREDIT CARDS..........HALIFAX
DEBT......                        £1750
MONTHLY COST..........£55
APR......                            22.45%
CREDIT CARD................VIRGIN
DEBT......                         £1820
MONTHLY COST..............£40
APR.........                           17.48%
LOAN...  ............................ £13000
DEBT LEFT..........................£10.800
MONTHLY COST...............£249.23
YEARS LEFT TO PAY. ......THREE AND A HALF YEARS
LOAN.........................         £13000
DEBT LEFT.............            £ 7,600
MONTHLY COST..............£235.61
YEARS LEFT TO PAY.......OVER TWO AND A HALF YEARS
*PLEASE NOTE THE LOANS TOTALS LEFT TO PAY ARE NOT ACCURATE AS CANNOT GET HOLD OF ANYONE TO ASK*

ronnies6

Hi All thats my mess, I appreciate all advice and even though im disgusted in my self typing that out again highlighted what a mess that im now trying to sort. We get between £35 to £50 after tax a month payrise each year and a bonus twice a year averaging £250 each time. I was thinking here goes( me thinking😯thanks to all you). I was thinking trying myself to budget.....firstly contacting the cards again and asking for a month or two holiday whilst I wait for my shares to come through. The total takehome oay plus ruse should then be £2390/2400. I can cut my food bill making a saving and then pay a chunk of the shares off the highest billed card. Sorry heads everywere I will wait for your advice. I cant believe as disgusted as I am that sharing this with you all has lightened my mood.

Mr87

Well done. As EimearF says, if you can, can you put some figures in for groceries, clothes, fuel, car tax, car insurance, car maintenance (Inc. Mot), any other travel, medical, contents insuranc , life insurance, any other insurance, emergency fund, entertainment, holidays, gifts, clothes, hairs cuts. Then you're done - you'll have a complete picture. Almost there. 

ronnies6

Sorry ive left a page out Monthly Expenses Continued .