Debt help

RAS

Some of those costs, like the van loan and motoring costs, are probably part of your business expenses, not household expenses. You need to separate out domestic and business expense to help you understand each better.

Having looked at that SOA, I see £59 for emergency funds?  And smaller amounts for both home and vehicle maintenance. I can't see anything for holidays? 

And whilst a number of other items are with SC guidelines that doesn't mean you should plan to spend that much. 

The first thing is to get those monthly allowances that you do have transferred into a separate basic bank account, or separate pots if you have Monzo or similar. That makes it easier to see when your monthly living funds are getting low. And means that when you do need a repair or to replace the freezer, you have money, because you can't put it on a card.

Really you need to look the items that people have already mentioned and drive those down, the phones are mad, do SIM only when the contracts end, cut back food and clothing. Not to be parsimonious but because you need at least £1k in that emergency fund. And then build it until you have enough to pay the essential costs for one month. 

It's going to be a shock for your wife and kids as you will all have to live less affluent lives than people might expect given your incomes. Generally it takes about as long to get out of a mess as it does to get into it. It's important that the kids understand that their previous lifestyle has to be paid for, if it's age appropriate, and the pocket money suggests that is the case. 

That also means having some conversations about discretionary spending that affects them. They get pocket money, but you've no funds for school trips or the dreaded school fund raisers. Nothing for the costs of presents when they attend parties? 

What are the kid's priorities? I know they'd like it all and you'd like to give them it all but taking sarnies and soup rather than buying burgers and fries out could fund something higher priority.

I don't see anything for Christmas and birthday presents? These are not emergencies, they need budgeting. You need to put something aside each month from now for this year, which means skinning one of budgets? 

And do check the rules about Higher Income Child Benefit charge, as that's based on taxable income not net income. It's better to plan if that's going to affect you rather than get a surprise.