Hi everyone, overjoyed I found this site! I'm 24 and have just learnt the value of money (finally). I'm roughly 10k in debt to around 10 creditors. Yesterday I worked out I should be paying out around £850? a month. I only earn £750 a month. I'd really appreciate some advice on how to tackle this? Debts are in this order... Loan with co-op. 6400 total including interest, 2800 left to pay. Up to date with payments. Credit card with halifax. £2654 total balance. 104 over limit, 2 months behind. Credit card with Natwest. £2794 total balance. £6 remaining credit. Up to date with payments. Credit card with Vanquis. £500 total balance. 1p remaining credit. Up to date with payments. Credit card with Capital one 198 total balance. £2 remaining credit. Up to date with payments. Payday express loan. 690 including interest. interest frozen. up to date with repayment plan, won't be able to make next payment of 87. Wonga. 403 total balance. interest frozen. 50 a month repayment plan. up to date. Mr lender. £150. up to date, been rolling over £33 for 5 months now. Quick quid. Owed a fair amount, got it down to £160 now. Agreed 160 a month repayment plan, won't be able to make next payment but up to date so far. Another PDL I can't remember the name of. £150, due on 20th august. won't be able to meet payment. I don't know how I've managed to keep this up so long but there we go. (actually yes I do, borrowing from elsewhere to pay bills) Household expenses food etc come to around 60 a week. I've filled in the CCCS DMP plan. Do you think this would be the right option for me? I'm hoping to pay around 200-300 a month, so I can live without credit. Thanks so much for the help in advance, much appreciated!