My Last 30 Days....

matt4504

So.. I've never thought about doing this before... so i made a list of everything i'd got coming in and out of my account in the last 30 days...

Here it is -

Income

Salary 1192.58
Other 222.48
Total 1415.06

Outgoings

Smile Visa 436
Capital One 86
ATM 240
Rent 40
NHS 192
Supermarket 18.44
Pension 100
Starbucks 14.5
Trains 57.4
Lottery 10
Paypal 116.05
Internet Mis 8
Student Ac 110
Bank Charge 2.5
Topman Card 50
Total 1480.89

Any advice on how i can improve my situation guys? I'm currently £3k in debt approx.

Matt

spud30

You spent almost as much in Starbucks as you did on groceries :eek:

matt4504

spud30 wrote:

You spent almost as much in Starbucks as you did on groceries :eek:

Well I live at home so i don't really do the food shopping and I work in Starbucks so i end up buying the odd thing...

spud30

What do the figures for Paypal and NHS relate to.

Both are quite high amounts.

Sorry if I'm being nosey

Beanietdc

I might be missing something here but I am a bit confused about some of these...

matt4504 wrote:

So.. I've never thought about doing this before... so i made a list of everything i'd got coming in and out of my account in the last 30 days...

Here it is -

Income

Salary 1192.58
Other 222.48 Is this guaranteed?
Total 1415.06

Outgoings

Smile Visa 436
Capital One 86
ATM 240 Cashpoint? Spent on what?Rent 40
NHS 192 What is this?
Supermarket 18.44
Pension 100
Starbucks 14.5 :eek:
Trains 57.4
Lottery 10 Cancel this - you can't afford it!
Paypal 116.05 :eek: What is this for?Internet Mis 8What is this for?
Student Ac 110 What is this for?
Bank Charge 2.5
Topman Card 50
Total 1480.89

Any advice on how i can improve my situation guys? I'm currently £3k in debt approx.

Matt

What about rent/gas/electric/council tax etc?

Sorry if I am missing something here - feel free to ignore me!

southernscouser

ATM - £240!

It's amazing how £10 here and £20 there adds up ain't it? :rolleyes:

I bet you can't even say where that money has gone either!

My advice would be to start a spending diary. Every day note down how much you have spent and on what! After a month it gives you a great insight as to where it all go's!

matt4504

Beanietdc wrote:

I might be missing something here but I am a bit confused about some of these...



What about rent/gas/electric/council tax etc?

Sorry if I am missing something here - feel free to ignore me!

Ok here we go lol...

The paypal thing is a one off which im getting a refund for so it doesn't really count.

The NHS thing is me re-paying some of my NHS bursary they gave me by mistake when i was at Uni.

The 'Other' £222 isn't guaranteed i'm afraid.

Cashpoint = Spending on crap?

Internet Misc is just like website membership - don't worry never again lol

Lottery - I made £3 profit if that helps?

Student A/C is me paying my student overdraft off

Finally... Because my parents are nice... or stupid.... they just include the bills in my rent which is £40 per fortnight but i only paid it once in the last month because i forgot but they never said anything so hey bonus.

Any other questions?

spud30

So....

You took £240 from the cash machine, and spent the Starbucks money as well :eek:

Can you tell I've a thing for Starbucks...love it, cant afford it :rolleyes:

matt4504

spud30 wrote:

So....

You took £240 from the cash machine, and spent the Starbucks money as well :eek:

Can you tell I've a thing for Starbucks...love it, cant afford it :rolleyes:

Aww come on...Starbucks once a week wont hurt....

Willsnarf1983

matt4504 wrote:

Finally... Because my parents are nice... or stupid.... they just include the bills in my rent which is £40 per fortnight but i only paid it once in the last month because i forgot but they never said anything so hey bonus.

Not hey bonus, that should IMO be one of your priorities, its that ridiculously low as it is u shud not NOT pay this. You pay £20 a week thats nothing!!!

Will

spud30

matt4504 wrote:

Aww come on...Starbucks once a week wont hurt....

Naught boy