A new budget, a new determination, a new diary.

hign10pines

Done the snowball and it says I'll be debt free in 24 months!

hign10pines

Spends for August:

New work shoes = £30 max
Race night = £10
Bournemouth Airshow train ticket = £20.70
Eastbourne Airshow train ticket = £13.40
Army Reserves train ticket = £13.40
Beer festival = £20

hign10pines

Payday and slightly more that I had worked out.

Have managed to budget:

£50 food
£150 spends
£21.77 misc
£100 barclaycard (holiday)
£22.83 halifax (holiday)

hign10pines

Spends for 23rd July 2016:

Sports direct - £33.98
Argos - £14.99
Cash - £10 (£4 left)
TOTAL = £58.97
LEFT = £91.03

hign10pines

Boo staff bank have just rang to say they have cancelled two of my early shifts That's the trouble if someone does a long day then the 1/2 shifts get cancelled, so that's £40 per shifts

So far one is still being shown a booked and nothing I like the look of for the other.

hign10pines

So changed one of my 6 hr day shifts into a 11.5hr night shift, so I have 23hrs extra (plus unsocial) coming in on 2nd September.

hign10pines

Went food shopping today spent £22 out of £50. Including the food delivery we have food till next week. Only 3.5wks left afterwards till payday.

hign10pines

Got to really start pushing the holiday savings, if we want to take the amount of spending we do, then we have to find £335 extra a month! This is from October though so should have a bit between now and then (have race tickets to buy before then). I'm already planning £200 instead of £100 from my wage and extra shifts a month.

Race tickets (full package + extras) = $499 each, tickets on sale in September. Currently that £390 each.

hign10pines

Spent a little today for food for work but will have 2 NSDs Thur + Fri. Also extra pay is this Friday so should have £70-80 for holiday (spends if needed this month) next payment is 19th August £140-160.

hign10pines

So I have decided to sort out my savings accounts, I currently have:

Virgin
Natwest
Nationwide
Halifax x 3

I'm not sure of all interest rates, one is an ISA and all or easy access so pretty low.

I need the following:

Holiday - flights 0/1500 - ?
Holiday - spends 0/2000 - May 2017
Holiday - tickets 200/600 - September 2016
Rental deposit - 0/2000
Emergency - 0/1000
Spends - no target

I have also opened a Halifax reward account so when I am paid I will transfer my wages from Lloyd to Halifax before transfering to Natwest and I shall set up 2 credit card DD to make sure I get the £5 reward.

I would love to save x% each month but realistically I can't 10% is just too much, maybe I can try for 5% of main wage and 10% of extra wages, going into one of the above savings accounts.