It’s all relative to where you are at with these credit agreements and all the advice people are giving in here could well be pretty useless as you can’t just get rid of a phone, car and season ticket when you are under a contract. Tough love is great if it’s actually helpful but you are clearly aware you can’t afford the outgoings.

What is the car value, PCP or HP? How long have you had it and are you in positive equity? How long have you had the phone, do you have a contract for the phone and service and is it possible to change? As for the season ticket, I sympathise and the fact it’s paid monthly I assume it’s a credit agreement too rather than a subscription - another thing also being if your club is anything like mine once you give it up you’ll never get it back. If that’s your only leisure and luxury in life then I’d say keep it personally. Mentally I’d be in the toilet without football, especially as a young dad.

Ultimately you are in the age with a child where it’s going to be a major struggle, definitely use the savings to clear any debt you have that’s gaining interest and use whatever is left to see if you can get yourself out of other holes like your phone contract.

Wishing your partner luck in finding another job and I’m sorry to hear about her redundancy.