At breaking point!

OP can you use the standard template for the SOA do you think - what you've posted seems to switch between weekly and monthly amounts and this makes it incredibly difficult to see what's going on. It also leaves out a lot of essential stuff like clothing, medical/dental costs, haircuts and a lot more. Does the transfer to your wife cover mortgage or rent, council tax etc as well as utilities, for example? If your money for shopping the whole spend or does she contribute there as well?

Looking at what you've posted though you're in around 38k of debt which is a lot for someone on that income - I'm not surprised you're feeling the strain. just from a quick scan of what you've posted it looks to me like you're in deficit every month so you're right to try to tackle the situation now before it gets any worse.

I think there is an awful lot missing from your SOA. Stuff like car maintenance, MOT + service.

Do you buy birthday, christmas presents etc or have a haircut etc?

tallyhoh wrote: »

I think there is an awful lot missing from your SOA. Stuff like car maintenance, MOT + service.

Do you buy birthday, christmas presents etc or have a haircut etc?

Looking at your outgoings that you have put on there they total around £1500 a month which by my reckoning gives you £400 disposable each month.
Like tallyho says what are you missing off - document everything including if you buy yourself lunch or a coffee on the go during your work week, takeaways, pints with the lads or days out with the family. They all add up and unless you are true to yourself with these you will never get yourself out of debt.

One little tip i was given is start working toward your smallest debt first - it should be the easiest to clear and will give you a boost when you clear it, as AndyJflet reccomends with your Next.
Next has fairly high interest too so you probably aren't making much impact with the minimum payment the more you can put in each month will clear it much quicker.