So, did we stick to the budget?
No. We spent £43.29 over budget.
If no, why not?
Main out-goings were a £200 new dining table the wife bought - not very frugal but she's been waiting years and it's worth alot more.
£50 for kids school milk for the next school year.
£101 accidentally paid for whole family dinner - mix up with the granddad :)
Did we earn more than we spent?
Yes. We earnt £283.09 more than we spent.
Any positives / milestones?
- 4th month in a row we have earnt more than spent.
- Spend over budget was less than £50.
- Pension savings topped £20k
- Sharesave value reached £1k
- Total savings excluding pension topped £2k
- Net worth increased by over £1k
Lessons / thoughts?
So close this month to being on budget. Making a concerted effort for September with the wife.
Priority is paying down the everyday credit card which will soon run out of 0% interest.
Using the Betfair Matched Betting value as our emergency fund blanket currently.
Effect on overall debt?
So close this month to being on budget. Making a concerted effort for September with the wife.
Priority is paying down the everyday credit card which will soon run out of 0% interest.
Using the Betfair Matched Betting value as our emergency fund blanket currently.
Effect on overall debt?
Student loan remains paid off :)
House loan remains paid off :)
Every day card balance is £1,465.21
0% Carpet loan balance is £1,782.78
HMRC debt - due 31/1/18 is £1,080.68
Total Debt Exc Mortgage = £4,328.67
~~~~~~~~~~~~~~~~~~~~~~~~
Wealth Accumulation
Summary:
| Asset |
Value
|
Increase
|
| Pension Value |
£20,489.18
| £252.81 |
| XO Shares Account |
£63.49
|
£0
|
| Company Sharesave. |
£1000
|
£100
|
| Fidelity Global Index Tracker |
£819.59
|
£104.89
|
| Cash (Matched Betting Liquidity)Betfair |
£405.36
|
NE
|
| Total |
£22,372.26
|
£1,444.47
|
~~~~~~~~~~~~~~~~~~~~~~~~
Net Worth
£152,413.12
An increase of £1,148.89 since last month.
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