my soa after being debt free for 5months

postingalwaysposting

so all its nearlly 5months since i was debt free :eek: time has flown... anyways i thought i would post a new soa and see if any of you can cut more back... bet you cant but i have to keep you all ticking along :rotfl: so:

income:
£800.00 (approx ~ sometimes more) ~ full time job after stopages (including, tax, ni and pension)
£11.00 ~ mums phone line rental

totals = £811.00

expenditures:
£400.00 ~ savings account
£120.00 ~ house keeping
£80.00 ~ driving lessons
£38.00 ~ internet (although the £11 above covers some of it)
£50.00 ~ bus fares
£3.20 ~ online game
£6.00 ~ charity
£3.28 ~ bicycle insurance
£11.00 ~ house insurance (long story but i pay it)

total = £711.48

leftovers ~ £99.52... if this isnt spent it also goes into savings

livinginhope

Have to say your SOA looks fine,you're in a very fortunate situation being debt free now :A
The only thing that seems high is the internet bill,I pay £17.99 and thought that was a lot! but as you can afford it,why not?
It's brilliant you are putting so much into savings,are you saving for anything specific,or just beeing good?
LIH

Rusco

Where's the money for fun!!??? :rotfl:

yung

it is great to be Debt free indeed, make sure you are getting the most out of your saving.

beerhunter

If your saving 50% of your income your putting most of the country to shame!

What about food/drink/going out/rent?

jessicamb

Well Done PAP on being debt free

Willsnarf1983

do you actually have a life outside the internet?

Will

Annando

£50 for bus fares seem high, can't you get a pass? A student pass or a young person's pass? You might save an extra £10

lynzpower

IM SO greeneyed at how well you are doing- insipiration for all of us there AND you have a pension. Well done you :T

At the risk of sounding like a spendaholic, I know a while ago you were looking into changing your career & stuff ( reminded me to PM you about the books) could you use some of your savings towards courses and stuff.

Where are your savings going? Thats the real money maker I tihnk ?

immoral_angeluk

WOW being able to save £400 a month must feel great!!! Well done on getting debt free!!!!

sophiesmum_2

Hi pap
you are doing great managing to save so much of your income but don't forget to have some fun too.
Thinking about bicycle insurance - is this for theft? Is it not covered on house contents insurance? Just a thought.

Well done on getting debt free and staying that way.:T

sophiesmum