Thanks for the replies guys - sorry for the delay. The catalogue includes recent expenditure (needed some new work clothes) and one of the mobile contracts is only a few months old. Obviously all my fault, continually thinking tomorrow will be better, that finances will improve and so on, but always...

Afternoon Folks, I'm currently doing a self administered DMP, paying £176 per month on debts circa £56k. My other half returns to work in July, so I've been thinking about how to move things forward - staying on a DMP will leave me in debt for what feels like an eternity. I like the idea of an IVA a...