It baffles me when people are concerned about their finances and yet are eating out regularly and have cars on finance. My colleague is always complaining she is poor yet eats out for lunch everyday.
Why not sell your cars, pay off the finance, and buy a cheaper car outright? Will save you loads each month
my mate was like this, stated he had to leave london as it's too expensive, but was paying £400 a month finance on a car that was way beyond his means. we managed to convince him to trade it in eventually, he now has a car which he owns outright and is still very nice.