Am I living by my means? + how does my debt vs earnings look

maxp_2

A couple of threads i've read recently have spurred me onto posting my excel profit and loss calculator. I think i've covered all my costs per month here.

1. Am i living by my means?

2. How does the amount i'm paying off my debt look compared to what I allow myself in the "variable luxury"

3. Overall any comments on the various costs.

*note*. The weekly spend figure can be adjusted and money added to the debt if need be. The right hand side balances with the left and I always get it to finish on 0.


h**p://i864.photobucket.com/albums/ab208/originaltdi/7741058553gfd.jpg

can someone replace ** with tt, and please post the picture below my thread

Pollycat

Hi and welcome
your best bet is to complete a SOA - 'Statement of Affairs' using the standard template which is in this link:
https://forums.moneysavingexpert.com/discussion/107280

maxp_2

Thanks polly,

if anyone can post my above link with image codes around it that would be great, as the spreadsheet is really self explanatory

La_escocesa

Hi Maxp

http://i864.photobucket.com/albums/ab208/originaltdi/7741058553gfd.jpg

Looks ok to me at first glance, but there doesn't seem to be any annual spends accounted for. In the SOA you put figures for everything like that (christmas, holidays, haircuts, clothes, car maintenance...) so might make it easier to judge.

HTH

maxp_2

I'll try and get around to doing one of these SOA's then


La escocesa would you be able to put the below forum code around the address, so everyone can see the image.?

[img]h**p://i864.photobucket.com/albums/ab208/originaltdi/7741058553gfd.jpg[/img]


I would generally use money from my spends in week 1,2,3 and 4 for haircuts, holiday saving up etc.

La_escocesa

Here's your post with the image:

maxp wrote: »

I'll try and get around to doing one of these SOA's then


La escocesa would you be able to put the below forum code around the address, so everyone can see the image.?



I would generally use money from my spends in week 1,2,3 and 4 for haircuts, holiday saving up etc.

RAS

Hi

Please do a proper SOA. as this prompts you to include all the expenditure.

Phone, TV licence, car tax, car maintenance, clothing, presents, going out, any other transport, holiday savings?

Etc, etc.

DarkConvict

I agree a proper SOA is the way to go, and personally would scrap your gym membership when you can. That is £1200 a year you spend on it, just go jogging/bike riding, or pay the ~£5 entry fee to go for a swim.