My SOA as promised.

RichOneday_2

All the same from your SOA, your financial stress comes from day-to-day spending, which is great news as this is totally under your control.

However, there do seem to be a couple of unrealistic figures in the SOA. Is the grocery bill you've quoted weekly rather than monthly? And I keep getting drawn to this secured loan - what is it secured on and why only £20 pm. It sort of equates to a portion of an interest only mortgage. Is it someone else's mortgage?

tallyhoh

What is the child related expenses £120, is it maintenence you pay?

tawecdl

The "secured" loan isn't secured. That's my mistake. It's a career development loan which I have agreed to pay back £20 a month. I will increas this when smaller debts are cleared.

£120 is maintenance

£50 a month groceries. milk bread etc. Main meat veg etc is bought by someone else.

RichOneday_2

In which case, crack on with the spending diary.

The answers will appear as if by magic. Prepare to be gobsmacked on some of the outgoing items.