Stepchange recommends a DMP

RAS

razor1981 said:

She does yes but not included it here as the debts are nothing to do with her.
Her money funds her car except i pay the petrol, kids etc.
Child benefit goes to her.
Sorry food is £150 a week, not monthly.
Credit cards are 0% but all ending this year, entered overdrafts rates not sure why not pulled through.
I'll go through again and update food payment as well.

You really need to do a household SOA. The debts may be in your name but unless you've blown that lot on gambling or nefarious substances, then the solution needs to consider your family circumstances because they are the root of the problem.

Not least as if you are spending £650 per month on food, you both need to start tackling that now.

No haircuts or holidays? You never even go to relatives for an overnight? Or does your missus book it and pay? Once there do you ever get your card out to pay for an icecream, a latte, a beer or a meal?

You'd benefit by going through the last 6 months purchases, allocating them all to categories and indicating whose spent what. Because you both need a handle on what you are both spending. Otherwise you both think that little purchase is OK because you don't fully know the story.