My rambling SOA - Advice welcome

GoToGal

Incoming:
Salary (Main) - 1800.00
Additional Income - 250.00

Outgoing:
Broadband (Virgin) - 18.00
Credit Card (Virgin) - 25.00 ( 0% APR till Jan 2009. O/s £7,291 )
Gas ( EDF ) - 25.00
Elec ( EDF ) - 20.00
Tel ( TelecomU ) - 5.00
Tel ( BT ) - 15.00
Water - 37
Loan (A&L) - 300 ( 7.9% APR O/s £11,470 Ends Sep-2011 )
Mortgage ( ING ) - 570.00 ( 5.89% O/S £78k switched Dec-2007 )
Lottery ( Work ) - 5.00
TV License - 12.00
Sky TV - 17.00
Mobile ( 3 ) - 20.00
Council Tax - 68.00 ( includes 25% single occupant discount )
Window Cleaner - 10.00
Food - 55.00
Public transport - 55.00 ( ditched the car )
Personal spend - 80.00 ( clothes, train to partners, presents, etc )
Savings - 550.00 ( to clear credit card )
BG Home care - 12.00
Total - 1899.00

Hopefully I'm doing this right

I've done some number crunching, worked out a DFD and budget, my main issue seems to be casual unplanned spending especially on taxis :mad: which I've managed to nip in the bud so far this month. I have a regular additional income of £250 a month though it may dry up, though that's true with everything!

I have 1 additional credit card which I clear in full each month, previous unplanned spending means I have £427 to clear this month and £70 to clear next month. I've prepaid my laptop insurance £39 and household insurance £200. Wasn't sure if I included those above broken down by month? I think I have everything but there is sure to be something missed.

I live alone in a 3-bed so am considering redecorating and taking on a lodger. Ideally partner and I want to buy a place together closer to his work but I'd like to be completely debt-free first.

Based on the above budget, I estimated I'd be able to put the £550 towards my loan after Jan-2009 and be debt free by Jan-2010. Time is my biggest issue, I work full time, study part time ( paid for by work ) and work part time too and then weekend at partners.

Any ideas or comments are welcome. Be gentle!

Hawthorn

Ok, I did type out a reply, but I've deleted it, because, I'm not sure what's weekly and what's monthly......is your food bill £55 per week or month?

GoToGal

Hi, all my figures are per month. Being away at the weekends means I don't spend much on food