Update on last year's diary

LilDevil

I don't tend to post too much, I'm more of a lurker, but I thought I'd post an update on my journey so far.

Salary: £1171.36

Joint (my share in brackets):
Rent: £[strike]222.34 [/strike] 225.63 (£[strike]111.17[/strike] 113)
Mortgage: £[strike]111.52 [/strike] 94.96 (£[strike]55.76[/strike] 47.48)
Council Tax: [strike]Don't know yet as we haven't had the bill[/strike] £115.00 (£57.50)
TV Licence: £[strike]11.61 [/strike] 11.95 (£[strike]5.81[/strike] 5.98)
Water: £[strike]21.00 [/strike] 20.00 (£[strike]10.50[/strike] 10.00)
Gas: £[strike]31.00 [/strike](£[strike]15.50[/strike])[strike] I am currently looking into switching
[/strike]Electric: £[strike]52.00 [/strike](£[strike]26.00[/strike]) [strike]looking into switiching[/strike] Now£67.00 (33.50) dual fuel
Setanta Sports: £[strike]9.99 [/strike] 12.00 (£[strike]5.00[/strike] 6.00)
Sky: £[strike]45.00 [/strike] 40.51 (£[strike]22.50[/strike] 20.26)
Pet Ins for 2 cats: £[strike]10.28 [/strike] 10.80 (£[strike]5.14[/strike] 5.40)
BT: £20.00 (£10.00) This is also in with Sky, but still have to pay line rental, for some reason, they won't let us reduce the amount we pay, so we've got a huge credit on our account.
Internet: £[strike]17.99 (£9.00)[/strike] Now in with Sky

I tend to do a big internet shop once a month for the usual store cupboard ingredients which comes to about £100 and OH tops up with fresh veg every week (he gets paid weekly)

Total: £[strike]652.73 [/strike] 617.85 (£[strike]376.38[/strike] 309.12) [strike]Not including Council Tax[/strike] Now includes Council Tax

Mine:
Family Loan: £200.00
Next: £30.00
[strike]Studio Cards: £20.00[/strike]
Lloyds CC: £31.00
Coop CC: £[strike]30.00[/strike] 50.00
RSPCA: £3.00
CPL: £3.00
Mobile: £[strike]30[/strike] 25
Mag sub: £11.96
Prescriptions: £[strike]30 approx[/strike] 10.00 - now have pre-payment cert
Savings: £100
Mag sub: £10 p/q
Mag sub: £10 p/q - sister's birthday pressie
Total: £[strike]388.96 [/strike] 363.96 (not including quarterly mag sub)

Total left: £[strike]285.66[/strike] 298.28 - this includes £100 p/m shopping

Debts:
Family Loan: £[strike]9000[/strike] 7200 @ 0% (cannot change this)
Coop CC: £[strike]1248.62 [/strike] 1005.74 @ 19.9%
Lloyds CC: £[strike]2047.19 [/strike] 1675.19 @ Frozen
[strike]Studio Cards: £174.45 @ 2.6%[/strike] PAID :j
Next: £[strike]432.33 [/strike] 102.33 @ Frozen

Total Debt: £[strike]12,902.50 [/strike] 9983.26 (not as bad as I thought)

According to snowball calculator I should be debt free in [strike]52[/strike] 36 months if I've worked this out right, I've knocked 6 months off the original date :T

Not entirely sure this is correct, I seem to have far more money on paper than in reality, so I must start doing the spending diary - we do still have takeaways quite a lot, so I'll have to start being strict with OH by saying no when he suggests one (my willpower is 0 )

beanielou

You are doing well!
Start that spending diary!