I am sure that there will be others along more qualified to give advice but I'll try and give you something to help start.

Essentially its about increasing income or decreasing outgoings - does either of you have time to take on extra work or hours etc..?

Decreasing outgoings.. there are a few things you may be able to cuts costs on - and without increasing your income you will need to, to get out of the debt spiral.

Your gas & elec look a bit high, have you switched companies recently to take advantage of their new lower prices?

If you are outside of contract or near the end, consider switching your mobile deals, as £70 a month is very high - you can get really good deals for £10 - £15 / month - or consider pay as you go.

Groceries are also quite high, try Martin Lewis' downsize challenge (go to moneysavingexpert.com) - you should probably aim for £300/month or even less.

Also, can you clarify the £242/month travel expenses as this seems really high!!


In terms of your debts you need to pay off any extra money you have on the debts with the highest APR first - or those that are in arrears i.e. gas elec etc.. and see if you can transfer the balances to 0% cards - you haven't stated the APR of the debts you currently have.

Hope this help.. good luck