SOA - Advice please

enthusiasticsaver

happy2017 said:

Defaulted on all other debts which drop off credit file next year.
school fees will be affordable end of this year when the school fees debt is clear and just paying usual monthly amount.

From your soa it looks like you have made monthly token payment arrangements? If you have AP markers they don’t drop off your file after 6 years like defaults do. 

NeverendingDMP

Have you agreed payments with everyone. If so then in four months you have one paid off the first debt won't you which isn't bad going and it will be the one that's a higher repayment so is affecting the flexibility of your budget. An emergency fund is needed so try and use any surplus for that and add on the 93 pounds you will have spare. 
I agree phone costs are high but a phone each for the kids and the iPad scheme they have probably had to sign up to at school means you won't have much leeway. I noticed you don't have anything in for presents, children's extra curricular activities/school trips. Mine don't go to a fee paying school but from what I've seen on the forums, schools with a fee often have fancier trips too. Do you need to set aside money for that as even the cheap trips add up over the year? You have been honest in that you had a dmp and then spent on cards again anyway. Same here so no judgement. Just means I can guess that practicing the new budget is the first plan and looking to reduce debts is something that comes further down the line when school fees are up to date. That's a fair whack of the budget you are paying to school but you have some earning potential and as you say the cost will go down once arrears repaid. It's a personal choice that one as children are likely settled and happy.