Right, the first thing to do towards solving any debt problem is to draw up a realistic budget and I have done one below, which I will review at the start of every month. On returning to London, I need to sort out my finances and create a realistic picture of where I really am given the overspend in Paris, cancel my income protection insurance and just trust that I'll not lose my job. I will also, post-Vegas try and find a weekend job (yup I know, with all the things I have to do to achieve my challenges, but hey I thrive under pressure :), so that I can clear the debts faster and have some savings for La Reunion.
Month: | ||
Current debt excluding mortgage and student loans : | ||
Current saving: | ||
ITEM | MONTHLY BUDGET | ACTUAL SPEND |
Mother | £350 | |
A&L | £400 | |
Barclay | £150 | |
Food | £120 | |
Phones | £100 | |
Niger schools | £25 | |
Shelter | £8 | |
Union fee | £21 | |
Water | £50 | |
Life insurance and PP | £12 | |
Property management | £300 | |
Miscl | £150 | |
Saving | £150 | |
30before30 | £50 | |
TOTAL | £1856 | |
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