Well as you know today was payday, wooo to the hoooo!
I have decided to show the full extent of my finances by comparing my income versus my outgoings.
So here goes:
(After student loan repayments, pension contribution, taxes and national insurance)
Paying back boyfriend for Dr Who Ticket £12.80
Credit Card A £20.97
Credit Card L £20
Credit Card N £10.40
Bank Charges £15.04
Paying back overdraft £100
Credit Card T £30
Phone Contract £21.49
Gas and Electricity £54
Train Season Ticket £292.30
Rent and Council Tax £198.42
Food/Grocery/Household Shopping £200
Water Bill Payment £19.15
Football Training £12
Football Training Transport Costs £15.60
Work Expenses, Gifts, Travel (Day to Day), Travel (Visiting), Home, Social, Health, Postage and Packaging and Clothing Maintenance = £100 (in total)
Remaining = £35
So after everything has been taken out and accounted for I am left with £35 for miscellaneous spending.
As long as I have food and shelter accounted for then I will be fine.
To be in profit after all the bills (some more fun then others) have been taken out is a great feeling.
I am happy. I don’t have room for error, I notice if as little as 1p is missing from my purse, but I have ‘surplus’ money each month. I’m prioritising my debts, things will be fine. I hope.