Frustration of unaffordable rates

Sorry, had a rough few days feeding a ridiculously early litter of baby hedgehogs (they're meant to be born in the early summer), whose mum seems to have been killed, so haven't had any free time.

Thank you for your comments so far.

So, to answer queries against the SOA:
We live in a property provided by my work, and landline telephone, my mobile, home insurance and broadband are provided.
Yes, we are in Scotland but I think our water is paid for by the business; we don't pay it, anyway.
We don't own a TV since the old one broke - it's well down the list of priorities to get a new one.
We grow our own veg (from last year's seed) as far as possible, and we get our eggs from our vet in the summer, so it's only meat, milk and winter eggs, plus veg top-up that we buy.
Both our vehicles are owned by businesses - my car is provided by my work and my husband's is owned by his business. His is only used for the business and my personal mileage comes off my salary (the salary figure given is after deductions).
We run an animal sanctuary (in our spare time), so our monthly food bill is about £350, vet bills are about £370 and insurance is about £180.
Other insurance is insurance on the appliances in the house - washing machine, fridge-freezer etc. and since basically the only part of our washing machine that's original is the case, and the whole fridge-freezer has been replaced, they've been well worthwhile.
I get my hair cut maybe once every three years and I cut my husband's hair with a set of clippers we bought years ago.
Bank accounts is chargeable accounts - my main account is a Santander 1-2-3 account, which costs £2 for the account and £5 for the credit card (or the other way around), but we get more than that in cashback (against gas/electricity, council tax and my work fuel and travel spends), and my husband's account is a rewards account with Halifax that costs £15 per month but includes his vehicle breakdown cover, mobile phone insurance and various other things that he used to pay for separately - it works out cheaper to get it with the account.
Magazines are a couple of publications my husband needs for his work and one that I get to do with the animal sanctuary - it's a 12-month contract, though, and rolled-over in November, so I can't stop it until the end of the year anyway.

It's an error that there's no minimum showing for Credit Card 7 - that should be £30.

We are in the process of building a kennels/cattery, so my husband had reduced his hours to allow us to build that. We would have been fine, financially if we hadn't had all the costs with the house last year (£20k!), because that money would have paid off the Balance Transfers that expire this month. However, the stress of having months of living with no heating, power in only some parts of the house, no floors for weeks at a time, etc. triggered my mental health issues. As a result, I wasn't staying on top of our finances so I didn't register that we were going to run out of time with these BTs until a couple of weeks ago, otherwise I'd have postponed the kennels build last year, so that my husband could take on more work until our finances had recovered from the expenses on the house. The stage of build we're at now we can't really stop so we'll just have to keep going (need to get the building weather-tight) and hope I can find a way to manage us through this period.

The build is costing us an average of about £330 per month, so that leaves £330 spare for paying off debts. I have never missed a loan, HP or credit card payment (I have Direct Debits set up to pay off our regular use cards in full and to pay off the minimums on the Balance Transfers) and have no CCJs or anything like that. The only negatives on my credit file are the fact that we don't own our home and that we've got a high debt utilisation rate.

That's why it's so frustrating - if I could have got a loan at the published rate, I could have used that to pay off the two Balances that are now incurring interest (Credit Card 2 and Credit Card 3 - Credit Card 1 is only at 4.5% so that doesn't bother me) and by the time the other BTs come up for their end dates, we'll have finished building (so have an extra £300+ available because we won't be spending it on the build) and my husband will be back to full time so will be earning another £1000 per month, plus whatever we make with the kennels.

Thanks for the feedback. I think there's a bit of confusion, though - the Kennels/Cattery are nothing to do with the sanctuary. They are going to be a paying business. The sanctuary is run from in our house and we're in the process of trying to scale it down but we can't just chuck the animals we've got out so we're gradually finding them homes as appropriate places become available - we rehomed ten adult cats last year and we've still got another six to go.

The Kennels/Cattery that my husband is building will be a stand-alone business (we have set up a Limited company) and the existing kennels and catteries in this area are oversubscribed by up to 80% so there's plenty of demand. We should be able to hit the ground running early next year.

The kennels/cattery is being done with their input - they could hardly miss it happening, given that it's right outside their building.

We have the relevant planning agreements in place. The licence can't be given until the building is up, but we've already spoken to the relevant people and yes, those costs are factored in. The company is providing the initial running costs, so we don't have to worry about those - we just have to cover the cost of getting the building up.

As regards what would happen to the building if I left my work, it wouldn't make any difference. Even if we were living somewhere else, we still have a 10-year lease for the land, so we could still run the kennels, though it would be a bit of a pain if we were elsewhere. Why do you ask?