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@kota I would strongly recommend adding everything up today, and then going as hard as you can for a month - meal prep, avoiding any additional spending - and seeing where you end up. If it's clothes this month it will be something else next month... Then Christmas... Etc. ETA: it's important...

@kota Looking at your situation, if the £665 is "real" then you could really buckle down and get back on track - with or without your creditors agreeing. That obviously isn't going to be pretty - it means no non-essential spending - but it's definitely doable.