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2022 budget attempt
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Hoolahoopcrispies
Posts: 27 Forumite
Hello,
I'm going to try and stick to a budget this year. A bit about me:
Moved into first time flat 2.5 years ago. It was a complete dump with no kitchen so I've nearly finished off paying £7k for a new kitchen.
I've not had any spare cash to make the flat nice so it looks a bit barren.
I have a terrible junk food habit so need to address that this year as it costs loads to eat junk regularly.
I took a pay cut to change career but that fits in with my kitchen debt ending so that's not too different with income.
I've got £85k left on mortgage and I've been trying to over pay. I end up over drawn every month but that it probably due to my poor budgeting skills. I still want to over pay the mortgage as the interest is shocking.
I need an emergency fund too and have zero at the mo.
Debt remaining £460 (£7k 2020)
Savings: 0
I'm going to try and stick to a budget this year. A bit about me:
Moved into first time flat 2.5 years ago. It was a complete dump with no kitchen so I've nearly finished off paying £7k for a new kitchen.
I've not had any spare cash to make the flat nice so it looks a bit barren.
I have a terrible junk food habit so need to address that this year as it costs loads to eat junk regularly.
I took a pay cut to change career but that fits in with my kitchen debt ending so that's not too different with income.
I've got £85k left on mortgage and I've been trying to over pay. I end up over drawn every month but that it probably due to my poor budgeting skills. I still want to over pay the mortgage as the interest is shocking.
I need an emergency fund too and have zero at the mo.
Debt remaining £460 (£7k 2020)
Savings: 0
0
Comments
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@Hoolahoopcrispies you're better off posting in this section:
https://forums.moneysavingexpert.com/categories/debt-free-diaries
As you'll get the support and encouragement to keep you on track.Mortgage started 2020, aiming to clear 31/12/2029.1 -
Thank you 😊 💓1
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