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  • FIRST POST
    • Jigglebiz
    • By Jigglebiz 27th Jan 18, 12:54 PM
    • 71Posts
    • 49Thanks
    Jigglebiz
    Geeking out with YNAB
    • #1
    • 27th Jan 18, 12:54 PM
    Geeking out with YNAB 27th Jan 18 at 12:54 PM
    Hello all

    I'm a long time lurker but thought it was time to start my own DFD and get these numbers out of my head. It's exhausting trying to calculate things constantly and helps so much to get it down.


    The level of my debt is small compared to many, and for that I'm grateful. At the moment it stands at:


    £1000 - family debt, have committed to repaying £167 per month for six months from Feb
    £813 - student overdraft - now graduate and still at 0%. Reverts to 18.9% in September 18.
    TOTAL = £1813

    The problem lies in our ability to pay it back as we have a low income. My income is highly variable and my partner's is fixed but low. We are both working on increasing income but due to study alongside this work we will likely stay on the income for the next 3+ years. I promise I will post a full SOA as soon as I am able to clarify things.


    I have been using YNAB this month as it has dawned on me that we should really be having a better hold on the finances. I used it a year or two ago for at least 18 months and made great progress, but dropped off it when I took time out to study (am mid career change hence the low and variable salary right now). I know that I could have used YNAB while a student, but there was guilt at play because I was using savings to pay for my living costs (planned, but most of the money originated from an inheritance from a close relative and that money has now pretty much gone). Hence the guilt.


    I'm learning to save and have a £1000 emergency fund so now I'm prioritising reducing the debt. Unfortunately we have already committed to a 2 week but modest holiday in April - if flights and accommodation hadn't already been booked I would be cancelling, but if we do so now we will lose the lot. I need to save £400 £300 spending money and £100 towards car rental and petrol.


    The family debt is my priority because the person that lent it to me needs it urgently. So I will try and throw any spare cash at this first - my original plan was to pay £167 to the family debt for 6 months and £100ish to the student overdraft every month. However, the advice seems to be that it's more motivating to eliminate one debt at a time.



    Unfortunately living costs and the commitment to the holiday in April now mean spare cash is low. I also am forseeing an income shortfall in July-September of around £950 a month due to my job ceasing at that time. I have made enough to get by writing on freelancing sites before so my plan of action is to address those. My income is likely to be higher in March, April, and June so I will be skimming off anything above a certain level to put towards the 'lean' Summer months.



    Any other ideas for topping up income over the summer? I would be limited to evenings due to holiday childcare. I can earn £25-40 ph writing as it is a specialist area but perhaps a more regular evening job on top could help things along? I struggle with the idea of £7.50 for bar work etc. simply as it is so much less and involves more expenses (travel, food) than the higher rate I can earn from writing. However, this is very variable and I would like to have a plan in place that means I don't risk increasing the debt.



    A big impetus for getting back into reading MSE forums and starting again with YNAB was the feeling that we were risking falling deeper into debt, so we are budgeting carefully at the moment.

    So my priorities are in this order:

    1. Emergency fund of £1000 to try and limit immediate debt (DONE Jan 18)
    2. Repay family debt at £167 per month for 6 months (Started Feb 18)
    3. Save £250 per month for holiday in April (£232 saved Feb 18)
    4. Pay off student overdraft

    5. Contribute to rainy day funds
    5. Save up a larger emergency fund to cover 3-6 months expenses

    I am looking forward to being paid over the next few days so I can geek out with YNAB!




    Last edited by Jigglebiz; 31-01-2018 at 10:07 AM.
Page 2
    • Jigglebiz
    • By Jigglebiz 20th Feb 18, 8:12 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Updates on my plans for the month:


    - Been saving up pennies and a couple of foreign coins I've found Done, have - - added at least £5 of loose change over the month
    - lowered the price of my eBay BIN prices in an attempt to shift them ASAP Done, and it worked! Need to list more
    - been walking to or from work every day, only saves £1 each time but it means I get a bit more exercise in and improves my mood Less than once a day, plus have been buying weekly bus pass as it does save me a little
    - Go to the computer place and get them to wipe the data on my old (broken) laptop. They said they'd do this for free. I have scheduled to do this early next month due to time restrictions with preparing for interviews this month
    - List said laptop on eBay - should fetch £150ish just for parts.
    - Stick a couple of other items online Will be early March
    - Allocate £60 I've earned through business insurance with Quidco towards the student O/D This has been delayed but is earmarked for debt
    - NOT book the hotel I was tempted to book the night before my 2nd important interview coming up. I've already booked a 7am train that day and while staying in a hotel might mean I arrive a little fresher, the £60 for the room plus dinner and breakfast feels a bit of a luxury right now TBH Didnít book it, and was glad of it

    Progress made, but still some way to go
    • Jigglebiz
    • By Jigglebiz 25th Feb 18, 8:54 AM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Quick update as it's nearly the end of the month now.

    I'm falling into the risky trap of spending based on projected income - I know that this is totally not YNAB's ethos. It's difficult when you've been scrimping so hard for months/years and finally the prospect of a little more money... new underwear! a heated propagator! Grass seed! I must keep myself focused.

    As I have the third (and final) of this gruelling round of interviews coming up, the stress of it all led to an overspend in Home Bargains on garden lawn seed, fertiliser, and plastic boxes I have managed to adjust my categories accordingly, but stole money from the car insurance category which is very naughty.

    I find meal planning very beneficial for economising but hate the process of planning it all. We're starting afresh with a Google sheet rather than paper (partner can't read my writing) and going to try on a monthly basis instead (reduces the frequency of doing the bloody thing and could save on bulk buying). First delivery is scheduled to arrive to coincide with payday next week but I need to fill and sort out my basket.

    Busy week ahead so will try and get some baking done today. Trying to cut down eating vegetable oils at the moment and finding they turn up in all store bought foods really.
    • Jigglebiz
    • By Jigglebiz 28th Feb 18, 4:38 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Payday update!
    We've received income from our jobs and the rent has been paid.

    This month my pay is significantly up from last month's. This is because I worked more hours and I have been refunded the tax deducted in error from last month. Using a spreadsheet, I've worked out a base level income of £940 per month and anything over that I will put aside for the leaner months. If I stick to this, it should mean that during the Summer I won't need to frantically look for additional freelance work.

    Here's what I've allocated to each master category:

    Total income received: £3,318.03

    Debt Repayments: £371
    Fixed Monthly Bills: £1217.44
    Fixed Expenses Rental Flat: £314 (this includes tax saved this month)
    Variable Monthly Expenses: £471.37
    Fixed Non-Monthly Expenses: £133.47
    Savings toward selling and buying properties: £284
    Holiday: £170
    Optional Expenses (Fun): £55
    Long-term Savings Goals: £240

    Future income

    • I turned down one of the freelance jobs I'd been offered last month. It could have netted me an extra £700 but I no longer have time and there is a potential conflict of interest there that could be risky for me. I am grateful not to have to say yes to everything - this marks definite progress over the last 3-6 months

    • I'm expecting around £250 for some work I'll do during March that is relevant to my career change, so it has benefits beyond the pay. I expect to receive pay for this in April or even May.

    • I have just put in a pay claim for this month that will allow me to budget similarly to the above but also put around £700 towards the variable income fund

    I'm not sure if it would be better thrown at the debt? At the moment neither are accumulating interest and I'm paying a fixed amount each month.
    • savingholmes
    • By savingholmes 4th Mar 18, 10:48 PM
    • 8,955 Posts
    • 17,028 Thanks
    savingholmes
    Congratulations. Great progress.

    emergency fund sounds like a good plan if you are in a 0% deal anyway - no point overpaying other than to reduce temptation. Try to put it somewhere you can earn some interest...
    Today is a new day £93/310 £10 a day Mar Challenge DFD August 2021
    • Jigglebiz
    • By Jigglebiz 6th Mar 18, 5:45 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Thanks savingholmes yes Iím keeping my variable income fund in an account that pays de
    cent in-credit interest, and I get gift card top ups as long as I pay in a certain amount.

    I have slipped up again lately, and I think this is due to my original plans being overly ambitious. I really find the emotional grind of restricting so much very difficult. I guess I got used to splurging often over the years - I grew up with pretty poor financial role models and its only in my twenties that I taught myself about th8ngs like interest, investments, etc. Still feel I have a long way to go.

    I find one area particularly challenging - buying clothes for myself. I can happily eradicate almost all eating out and cafe spending, but for clothing itís difficult to draw a line because obviously I do NEED some clothes, but I can never tell whether Iím being reasonable in terms of how much it costs. I lost some weight over the past few years and Marie Komdoíd my wardrobe. I was left with barely anything ! I tried on all possible combinations the other day and got to 13, but 4 of those are interview/funeral/wedding outfits,,

    If I buy cheap stuff from primark it lasts no more than 3-6 months, so I prefer to get better quality stuff (not designer or branded, just better fabrics like wool) . I always buy in the sales or via secondhand or eBay, but even so I can find this racking into the hundreds at the start of the season. Is this normal??!! My job needs me to be well professionally dressed, Iím just not paid enough to reflect this in my wardrobe!

    I would love a proper splurge without thinking about the cost implications. Iím just trying to identify what is a fair amount to put towards clothing. Find myself feeling really guilty when I spend anything at all these days, then it leads to a vicious cycle...
    • savingholmes
    • By savingholmes 10th Mar 18, 3:02 PM
    • 8,955 Posts
    • 17,028 Thanks
    savingholmes
    I suppose the question on clothes is what can you afford. I decided to allow each member of the family £25 per person per month - but only give it as an allowance quarterly - that way we had £75 to spend at once. I found compared to fritter spending on clothes I had to have for me or others it saved me money..... If I want more - I have to use my "pocket money" for the month. I allow myself and OH £50 each to spend guilt-free.
    Today is a new day £93/310 £10 a day Mar Challenge DFD August 2021
    • Jigglebiz
    • By Jigglebiz 10th Mar 18, 10:12 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Yes, I!!!8217;ve realised that I need to treat clothes just like another (non-monthly) expense. I get a lot of pleasure from clothes so I!!!8217;m happy to spend my fun money on them too, so my renewed plan is similar to what you suggest B]savingholmes[/B]. Our fun money is currently only £10 a month each though, I need to cut the budget some slack and be more realistic...

    Plans that still need attention:
    - clear and list old laptop on eBay
    - go through old clothes that have been put aside and decide what to sell and what to donate to charity
    - photo and list for eBay
    - exchange money in advance of holiday in April. Have already sorted a Revolut card and charged it with £10 so far

    Good news...
    - £29 extra income to allocate to categories with overspend (birthdays this month)
    - £45 income to allocate to holiday spending
    - monthly shop has gone well and we have only needed to buy the odd milk and a cheap ready meal for Friday night
    - making own bread with bread maker
    - bought very cheap seeds from Wilko and resisted heated propogator in favour of a DIY hot water bottle design using leftover kettle water after tea and coffee. Going to set this up tomorrow !

    All going ok.
    • Jigglebiz
    • By Jigglebiz 11th Mar 18, 8:27 AM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Oh dear ! Donít know what happened to the formatting on my previous post. Have created a signature, letís see if this works...
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Jigglebiz
    • By Jigglebiz 19th Mar 18, 5:49 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Quick update. Budget is going OK apart from a few slip ups, I have gone a little into the red on several categories (health and beauty, clothing) because I am definitely using buying stuff as a way to cope with an emotionally demanding job. I!!!8217;m waiting for news back about my interviews (all of the results will be released at the same time in early April). The outcome will have major implications for my finances:

    - if successful, my income will rise to £1330 per month and payable every month of the year for 3 years. My outgoings will be higher as we will need to buy a second car and finance regular use with a potential commute of 2 hours daily. There may also be train travel costs or an overnight stay every week to cope with the long commute. In addition, we will have new childcare costs as I will increase my hours to full time from the 20 hours I currently work. However, after 3years of this I will be qualified in my field and on a starting salary of £35k+ which will increase quickly. My target is to earn £50k within 5 years of qualification by taking on a management position.

    - if not successful, I will have more work to do to try and find a new role in my (very competitive) field. I am sick of my unsupported and draining position where I am treated very poorly and my annual income is around £12k - this is due to it being part time term time only. If I can!!!8217;t find a new role locally, a relocation is possible but would like to avoid it.

    Can!!!8217;t wait for our holiday!
    Last edited by Jigglebiz; 19-03-2018 at 6:00 PM.
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Drawingaline
    • By Drawingaline 17th Apr 18, 6:51 PM
    • 506 Posts
    • 1,647 Thanks
    Drawingaline
    Hi, just wondering how you were getting on?
    • Jigglebiz
    • By Jigglebiz 21st Apr 18, 8:53 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Thanks for checking in drawingaline. I have been quiet lately as had a few things on- lots to be happy about !

    Have had a lovely 2 week holiday, and aside from an unexpected car repair towards the end, stuck within planned spending. Really enjoyed being able to have the odd meal out and forget about budgeting for a while. It was a real treat.

    My interviews were successful and I am now on course to start the next stage of training in my field. My income is going to increase slightly later this year but for more hours than I currently work. The payoff is that I will at least triple my income in a very secure profession in 3 years. I am delighted with this outcome!

    I now need to find the money to buy a second car - unfortunately I will need to borrow more. After some thought I have decided to aim to put most of this on my 0% credit card - this is a new card with just under 3 years at this rate, then it reverts to a crazy 28%. I would set up a SO to pay off c.£150 per month to reduce this balance. This will be affordable once I have completed paying off my existing debt in the Summer. I wish I didnít need to borrow again but unfortunately canít see a way round this one.

    Will be back with a more detailed post soon and payday category breakdowns!
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Jigglebiz
    • By Jigglebiz 30th Apr 18, 10:04 AM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Payday update!

    Unfortunately another screw up from PAYE and I was taxed on this month's income when I shouldn't be - quick call to HMRC again and turns out that they had another job listed as my main source of income. I have never earned anything from that job... it's always worth a call . My tax code is amended and I'll be refunded next month.

    Total income received this month: £3163

    I've allocated this as follows:

    Debt Repayments: £367
    Fixed Monthly Bills: £1146
    Fixed Expenses Rental Flat: £207 (no longer saving for tax as confident my taxable earnings this year will be under personal allowance)
    Variable Monthly Expenses: £515
    Fixed Non-Monthly Expenses: £110
    Savings toward selling and buying properties: £368
    Holidays: £0
    Optional Expenses (Fun): £40
    Long-term Savings Goals: £286 (some of this is re-allocated income on investments, so doesn't come out of listed income)

    I'm chuffed that my debt is rapidly reducing and now totals £632 in total:

    Student overdraft: £301
    Family loan: £332

    I am determined to pay off all of this debt by August at the latest to allow me to take on new debt (!) for the much-needed second car for my commute. I'm aiming to to allocate £316 in June and July to eliminate it, but this could be challenging with my variable income.

    There are (as always) several things I know I'll need to buy soon - mainly leisure but also items for the car. I will try and delay as much as I possibly can.

    Still have a few things to do to bring in extra income:

    - Chase freelance job's pay (£255) DONE
    - Clear old laptop
    - Sell old laptop on eBay
    - Look out for extra freelance income over the next month as my main income will reduce over July and August
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Jigglebiz
    • By Jigglebiz 10th May 18, 7:54 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Quick update - was pleased with myself today as I managed to get my annual car insurance down a great deal . Not only did the premium reduce, but the excess went down from £350 to £100, we added business use, and went fully comprehensive. To top this off, it includes joint breakdown cover on any car we drive (I was previously paying £110 annually for this seperately). Effectively this has brought our costs down from £585 to £370 per year - a saving of £215! Not bad for a couple of hoursí comparison site forms (thanks MSE) and a call to our chosen provider.
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Jigglebiz
    • By Jigglebiz 16th May 18, 4:35 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    This month is not going to plan so far...
    Have splashed out on something needed for the summer... a leisure item (tent) but well worth its cost in terms of it allowing us to have cheap family getaways over the summer. However, I was naughty and bought it before I knew how to pay for it. Now transferring savings to cover this.
    Then the car insurance renewal was paid for up front, and I only had about half of this saved up. Had originally planned to pay monthly but the yearly cost was so much less...again have been required to use savings to pay for that (took this out of the buying/selling savings).
    Feeling a bit bad about buying the tent, but it will get well used and enjoyed.
    Work and budgeting seeming a bit relentless and otherwise my spending is well under control and in budget. Unfortunately the prospect of increasing my income is unlikely now as I have not been very well. Receiving treatment but canít do much more work than I have already taken on. One day at a time...
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Drawingaline
    • By Drawingaline 21st May 18, 7:23 PM
    • 506 Posts
    • 1,647 Thanks
    Drawingaline
    The tent will pay for itself as long as you use it. Do you have all the other bits needed for camping? It can really add up. I was lucky, my sister got all my mum and dad's camping stuff when they stopped going, and then they bought a caravan four years ago so gave us their tent and all this camping stuff. The tent only lasted one trip (windy site, trying to put it up was a nightmare, at one point we had seven kids lying on it to stop it blowing away!) but my sister had got it from a charity shop years before so it had had a good innings as such. So because I had all the stuff I did splash out on a tent and love taking the kids away. Unfortunately hubby refused to camp, static caravan is his limit, oh well, he is the one missing out.
    • kuratowski
    • By kuratowski 21st May 18, 9:04 PM
    • 59 Posts
    • 95 Thanks
    kuratowski
    Loving this thread!
    Hope the treatment goes well - good luck!
    • Jigglebiz
    • By Jigglebiz 23rd May 18, 2:26 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Thanks for checking in, kurawtowski!

    Drawlingaline, indeed we do already have the rest of the camping stuff. Bought most of it at an estate sale, including a lovely old poly cotton frame tent. But this wasnít practicable for short stays as it takes too long to put up and carry to and from the car! Hence the new smaller tent. Have booked 2 stays coming up in local areas as we are fortunate to live near some lovely countryside.

    Gearing up to sell our property at the moment. Notifying tenants and starting to plan estate agent valuations etc. It will be our first time selling a property. Hoping to achieve about £250k and then buy in our area up north for 230kish. Very excited by daunted by the whole process. It should save us about £500 a month in rent/service charge costs due to our current renting out and renting ourselves scenario being really inefficient. Canít wait to have our own house and no estate agents in our lives. About a year away though, realistically ...
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Jigglebiz
    • By Jigglebiz 27th May 18, 11:12 AM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Quick update -

    Tenants!!!8217; rent has been paid in = £1012.
    Have allocated this to the following YNAB budget categories:

    £319 : essential property expenses (service charge, insurances, tax)
    £363 : debt
    £330 : saving to sell & buy property (service charge and bills while vacant, moving costs)
    Any leftovers cover small category overspending in May

    Glad to have been able to allocate funds to the debt before the end of the month. I!!!8217;m going to transfer this now so that I am not tempted to eat into it.

    Debt is now close to being paid off

    Student overdraft : -£104.99
    Family loan : -£165
    Total : £269.99 !
    Last edited by Jigglebiz; 27-05-2018 at 11:15 AM.
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Jigglebiz
    • By Jigglebiz 27th May 18, 11:22 AM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Think itís time to update my priorities
    1. Repay family debt at £167 per month for 6 months (Started Feb 18 - on track to complete Jul 18)
    2. Pay off student overdraft (On track to complete by Aug 18)
    3. Contribute to rainy day funds- especially saving to sell and buy properties (Started Feb 18)
    4. Take on 0% debt for new car and pay off fixed amount monthly
    5. Sell tenanted property, buy new property for us mortgage free
    6. Save up a larger emergency fund (£12k)
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
    • Jigglebiz
    • By Jigglebiz 31st May 18, 9:24 PM
    • 71 Posts
    • 49 Thanks
    Jigglebiz
    Payday update - only a brief one as I will post detailed breakdowns later.

    A low-earning month due to working fewer hours in April. Have reduced payment towards debt and not saving as much this month to meet basic costs. Have also set aside some in order to pay for a few nightsí camping. Feel this is pretty important as we are all in need of a few days away from the daily grind.

    Iíve just put in a pay claim for May which will be a bumper month - but have only now understood how deductions work. Iím hourly paid and have been highly motivated to increase my bookings to bring in more cash so I can even out the lean months where I can barely pay the rent. But every month I earn a decent amount, about 30% gets deducted so Iím unable to save much. Honestly donít understand how others do it.

    Glad I will be doing something else and paid better with many more prospects in a few months, as Iím feeling fed up and exploited . Woke at 4am this morning having bad dreams about money
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
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