My SOA

cuttingbackisitfun?

Right here goes this is the budget I work to. Its just me in my 1 bed flat (although this is a victorian conversion by the sea that is very expensive to heat as no sun light) I have 1 car too.

Comments welcome and please be nice, £80.00 for 1 that's all meals? Is this possible?

Income £1708.31

Cash £40.00 Mobile Phone £40.00 Food £80.00 Petrol £70.00 Hair Train £60.30 Mortgage £500.00 Gas £30.00 Elec £23.00 Water £19.50 Council Tax £76.00 Lease £56.55 Virgin Media £38.00 Car Insurance £30.47 TV Lisence £12.37 Car Costs Hols Contents Insurance £19.00 Christmas/Pressies £85.00 Emergency Fund for Flat £10.00 Glasses/Contact lenses £13.00 Sofa £11.02 Natwest Loan £174.76 ME £220.00 CC £100.00 £1,708.97
Mobile is double usual as my landline phone is broken I am buying a new one now paid, also am going to the theatre next Sat and London the weekend after which is the ME money.

Car and Christmas money is coming from overtime due over next 3 months.

Bring it on, K x :j

HappyMJ

cuttingbackisitfun? wrote: »

Right here goes this is the budget I work to. Its just me in my 1 bed flat (although this is a victorian conversion by the sea that is very expensive to heat as no sun light) I have 1 car too.

Comments welcome and please be nice, £80.00 for 1 that's all meals? Is this possible?

Income £1708.31

Cash £40.00 Mobile Phone £40.00 Food £80.00 Petrol £70.00 Hair Train £60.30 Mortgage £500.00 Gas £30.00 Elec £23.00 Water £19.50 Council Tax £76.00 Lease £56.55 Virgin Media £38.00 Car Insurance £30.47 TV Lisence £12.37 Car Costs Hols Contents Insurance £19.00 Christmas/Pressies £85.00 Emergency Fund for Flat £10.00 Glasses/Contact lenses £13.00 Sofa £11.02 Natwest Loan £174.76 ME £220.00 CC £100.00 £1,708.97
Mobile is double usual as my landline phone is broken I am buying a new one now paid, also am going to the theatre next Sat and London the weekend after which is the ME money.

Car and Christmas money is coming from overtime due over next 3 months.

Bring it on, K x :j

£80 is possible but you'll find it difficult. At least in my opinion. Why don't you just reduce the ME money by half and up the groceries by the same amount. You might be better using soacalc http://www.makesenseofcards.com/soacalc.html and presenting the information in the MSE format. It'll be easier for us to analyze. You have quite a lot for presents. Who are they for? I'd scrap that unless they are for your own children but you haven't mentioned any CSA payments so I don't think you have any.

And another comment £53 for Gas/Elec for a victorian conversion is not expensive I'd consider that quite cheap.

Hovel_lady

£80 for one for all meals is definately possible. We spent £110 last month on food for 2 of us.
Nothing on your budget stands out as being overly expensive although someone else on here may disagree!
Good luck x

cuttingbackisitfun?

Thank you both.

Presents - its a wedding present for my brother, also his bday and his wife to be's bday as well so all what they should be.

Me money - is no change due to plans I have.

Food - I am challenging myself to try and stick to this I have a it of food in and am out a few days over the month as well. Tried Mr M basics cornflakes today £0.31 for a box and they are fine so massive saving on my breakfast cereral and last night tried Basics coleslaw also very nice and its a quarter of the price of the normal one i buy!!!

HappyMJ

cuttingbackisitfun? wrote: »

Thank you both.

Presents - its a wedding present for my brother, also his bday and his wife to be's bday as well so all what they should be.

Me money - is no change due to plans I have.

Food - I am challenging myself to try and stick to this I have a it of food in and am out a few days over the month as well. Tried Mr M basics cornflakes today £0.31 for a box and they are fine so massive saving on my breakfast cereral and last night tried Basics coleslaw also very nice and its a quarter of the price of the normal one i buy!!!

Personally I wouldn't bother buying a brother's wife to be a bday present but that's me. I don't even buy presents for my sister any more we've got past that and mutually agreed money is tight. I maybe just spend a fiver on a simple item if I see something good but very cheap i.e heavily discounted but that's it.

What is Hair Train £60.30? Is that a once off or an ongoing monthly expense.

cuttingbackisitfun?

We always buy presents and this is not something I want to change sorry.

Its monthly train fare sorry of £60.30 so yes every month, nothing in for hair at the moment.

Thanks, K x