Clear debt & save by 2020...

seasideme

Well I finally have a current account and not just a basic account - hello lloyds :wave: this will be my 'general spends' account.

I have bought a sectional notepad/organizer and have already filled in what I have spent so far on food and gen spends, I hope I keep it up for the month of July.

I have updated my sig for my mortgage aim but that requires me to have an income at time of applying that would give me a mortgage of £97500! Also I need to save big to reach my deposit aim. I need to earn £22k by 2020, easy when I lived in London, not so much in Worthing!

seasideme

Yep only got some of my pay this month! Don't have payslip yet so don't know if my tax code is correct yet.

seasideme

So with the help of my holiday savings below is my budget for the month of July:

Money you have left after budget £45.48

Rent/Mortgage £570.00
Council Tax £100.00
Internet £46.00
Electricity/Gas £40.00
Water £29.00
Travel £30.00
CreditExpert £13.00
Postcode Lottery £10.50
JD Williams £6.00
Mobile £38.54
TV £12.12
Virgin Mobile £13
Gym £43.00

Total = 951.16

PDL1 £10.00
PDL2 £10.00
Argos £30.00
Gym £10.00
Virgin cc £40.00
Capital One £5.00
Total = £105.00

General Spends £180.00
Food Spends £124.92

Monthly Salary (Net) £1,021.56
Partners share £385.00
Total Fixed Income £1,406.56

seasideme

I need to be really good this month as my parents are visiting the last weekend in July and we aren't eating in for every meal.

Oh we are waiting for a refund cheque to come from virgin media which if not arrived by next Tuesday I shall be chasing again. Also due a refund from Argos as the sofa we ordered didn't fit through the door so orders a different one for less.

seasideme

So my partner has been stung with bank charges and our vacuum has just packed up!

Going to ask for my missing wages rather than wait for it to be paid end of July.

seasideme

No send day to day

Been offered a beach hut but it's not that local and not sure if we'd have to pay the fees up front or not

seasideme

Total spends:

General: 16.42/180
Food: 15.03/124.92

Debts:
PDL 1: - 10/609 (not correct starting balance)
PDL 2: - 10/438
CC 1 - 0/181.1
CC 2 - 41.35/1399
Gym - 10/132.44
Argos card - 30/188.37

TOTAL = 101.35/2947.91!

I have a little left over from my wage this month as my ct payments don't come out till next month!

4 weeks to go till payday!