advice on my debt :)

terriandco

hi i hope soa is correct im not very good at these things. please could you help me work out what i am doing or not doing!i was using a payment scheme for the loan, credit card and one catalogue. this was costing £100 per monthi have now cancelled this as it would come out of the bank and then i would be charged by the bank for going overdrawn.i am making £8 monthly payments for 1 catalogue and i have contacted the other with an offer of payment.. i am mostly worried about the credit card and loanas im not really sure what to do with these. the loan is in my husbands name. my rent arrears i am paying a little bit more each week.also i am trying to find a job to help. any advice please? muchly grateful[tt]Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 360
Partners monthly income after tax....... 0
Benefits................................ 444
Other income............................ 0
Total monthly income.................... 804

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 80
Management charge (leasehold flat)...... 0
Council tax............................. 40
Electricity............................. 40
Gas..................................... 30
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 20
TV Licence.............................. 19.98
Satellite/Cable TV...................... 0
Internet Services....................... 18
Groceries etc. ......................... 170
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 422.98

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
credit card....................1575......50........16.9
catalogue......................346.4.....0.........0
catalogue......................272.08....8.........0
phone..........................73........0.........0
overdraft......................900.......0.........0
loan...........................13000.....0.........0
Total unsecured debts..........16166.48..58........-

Monthly Budget Summary
Total monthly income.................... 804
Expenses (including secured debts)....... 422.98
Available for debt repayments........... 381.02
Monthly UNsecured debt repayments....... 58
Surplus(deficit if negative)............ 323.02

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -16,166.48
Personal net worth...................... -16,166.48

tealady

Can I be nosey and ask what the loan was for as you don't have a car, or a mortgage.
To be honest i would suggest that you contact a debt advice organisation as it may seem bankruptcy may be the best option.