#64 September Finance Summary

So, did we stick to the budget?

YESSS we did. We had a discussion at the start of the month and followed it through and it's great to sit here and say for only the second time - since I started collating our financial data in July 2015 - have we stuck to our budget.

We did it once in February this year but that was just because of a deferred mortgage payment when moving house. This time it's real and feels great.

If no, why not?

n/a :)

Did we earn more than we spent?

Yes we certainly did. For the 5th month in a row.

£591 earnt more than we spent.

Any positives / milestones?

1. under budget!
2. 5th month in a row spend less than earnt
3. Savings including pension increased to above £23k

Lessons / thoughts?

Did well to keep an eye on this throughout the month and hold back any spending.

Will continue to do this in October.

We've now got a £500 cushion of 'emergency savings'. We have until January 2018 to ensure we've got £1,100 saved up to cover the HMRC re-payment due. So better get Matched Betting.

Next month, couple of aims;

1. Again be below budget!
2. Savings excluding pension to be above £3k.

Effect on overall debt?

Student loan remains paid off :)
House loan remains paid off :)
Every day card balance is £1,246.69
0% Carpet loan balance is £1,683.73
HMRC debt - due 31/1/18 is £1,080.68
  

   

Total Debt  Exc Mortgage = £4,011.10

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Wealth Accumulation

Summary:

Asset	Value	Increase
Pension Value	£20,298.50	-£190.68
XO Shares Account	£65.35	£1.86
Company Sharesave.	£1100	£100
Fidelity Global Index Tracker	£914.59	£95
Cash (Matched Betting Liquidity)Betfair	£145.33	£260.03
Cash (Emergency Savings)	£500	NE
Cash (Annual Bills)	£6.01	NE
Total	£23,029.78	£252.16

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Net Worth

£153,965.78

An increase of £1,552.66 since last month.