Paying off my credit cards, debts, and loans

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Listing Information
Amount: $4,650.00 Status: Loan created
Grade: D DTI: 15%
Lender Rate: 14% Borrower: charliesmomt
Time Left: Finished State: OR
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Default Origination Date: 2008-05-27 EricsCC ROI: 69%
Status History
May 24, 2008 Current
Aug 13, 2009 Late
Sep 05, 2009 1 month late
Sep 28, 2009 2 months late
Oct 28, 2009 3 months late
Dec 02, 2009 Default
Purpose of loan:
Pay off the many small amount that I owe. I want to consolidate my payments so I can pay them off sooner and in less payment. I am also hoping to increase my credit score. In the future I would like to help others on Prosper.

My financial situation:
I have a good stable job and am dedicated to increasing my financial security and rating.

Monthly net income: $ 1875

Monthly expenses: $ 1410
  Housing: $ 435
  Insurance: $ 180
  Car expenses: $ 100
  Utilities: $ 150
  Phone, cable, internet: $ 45
  Food, entertainment: $ 100
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 50
  Other expenses: $ 250
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