Credit

Cash – £30.68
Santander – £1,333.14
Halifax C/A – £2,328.94
TSB- £106.72
Credit total – £3,799.48

Debts
Capital One C/C – £15.00
MBNA C/C – £3,471.64
Santander C/C – £3,244.21
Virgin Atlantic C/C – £451.58
Loan from Mum – £6,000.00
Debt total – (£13,182.43)

Net worth
£3,799.48 – £13,182.43 = –£9,382.95