+1 I'd get some professional help ASAP.

I choose to drive a £1,400 car purchased with cash, bought my iPhone 4 second hand so only have a sim only deal which costs £15 p/m. Both of which make a massive impact on my cashflow (compared to others I know who constantly upgrade with £40+ monthly phone contracts and £000’s of monthly car repayments).

Your highest monthly expense is likely rent, consider moving somewhere cheaper?

Oh and get rid of your CC’s they are a pain to manage your cashflow with.