Looking for ideas

EssexHebridean

One option on the car front might be to default on the unsecured debts, continue paying the car of course, and then to set aside the money you are no longer paying to the debts to be able to not only build an emergency fund, but also to ensure that in 2 years you can hand back the current car and buy yourself a second hand one outright. £3k -£4k ish will get you something solid reliable and without too much mileage on the clock. Then going forwards you should set aside an amount monthly to ensure that when that car needs replacing, you are able to do so. It’s a really nice feeling to be able to step off the treadmill of always having debt hanging over you for things like cars! 

As said by others, there are currently a lot of holes in your SOA which need looking into - you must budget going forwards for the annual expenses otherwise how will you pay them when needed?