Newbie: My Debt Diary (Hope I'm doing this right!)

bald_ade

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bald_ade

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hypno06

Hi, grab a notebook and a cuppa (no alcohol for this one!) and make a list of absolutely EVERYTHING that you can think of that involves you spending cash during the year - no cheating, so if you buy mags, birthday pressies, have your toenails cut etc etc, write it down. Complete brainstorming session/mind maps etc.

When you have got everything, write out a proper SOA and post it here so that people can look at it and give advice.

Most importantly, be honest with yourself - don't miss anything out just because you don't think it is important, or that you won't spend money on it this year. The more information you have at your fingertips, the easier this will be, although it may be scary in the first stages.

Now, go and get that notebook.

bald_ade

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