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You said you can spare £400 for debt repayment, but your SOA shows you have £1400 left over.
If you don't have this, you need to check that your SOA is accurate - does it show what you actually spend or what you'd like to spend? Start a spending diary to figure out where that £1000 is disappearing to.
I forgot to add mortgate paymenst which £800pm, trying to find out the missing £2000 -
downsizer3 wrote: »You spend a lot on travel - any way to cut back on that?
Mortgage free is great so give yourselfa pat on the back for that!
Thats my monthly train ticket, there's no wayt o cut back on that.
About the mortgate, that was a mistake - I've to £800 towards that..leaving me to chase for the missing £2000
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