THE BIG ONE IS HERE... we finally have more saved (excluding mortgages and pensions) than we owe!!!!! From being £25k down this feels great.
So, did we stick to the budget?
So, did we stick to the budget?
After last months brilliant achievement of sticking to the budget I was expecting a repeat this month.
However, we finally managed to book a weekend away with our group of friends for next April - which cost us just under £400 which in turn took us over our budget.
If no, why not?
Family weekend away booked with friends for next year.
Did we earn more than we spent?
Yes we certainly did. £661.18 - even with the holiday, largely because I had £500 in childcare vouchers which I managed to convert into cash.
Any positives / milestones?
- Would have been under budget if it wasn't for then holiday.
- Earnt more than we spent for the 6th consecutive month.
- and the biggest milestone so far having more liquid savings then debt.
- Our everyday credit card dropped to below £1k
- Our debt excluding mortgage dropped below £4k
- The amount we have invested in Worldwide Index Trackers increased past £1k
- Our net worth increased past £155k
Lessons / thoughts?
Lots of positive notes this month.
Not including this weekend away - or any holiday spending at all - in our budget is silly though so will need to update budget to cater for this as it is expected spending.
Effect on overall debt?
Lots of positive notes this month.
Not including this weekend away - or any holiday spending at all - in our budget is silly though so will need to update budget to cater for this as it is expected spending.
Effect on overall debt?
Student loan remains paid off :)
House loan remains paid off :)
Every day card balance is £939
0% Carpet loan balance is £1,584.68
HMRC debt - due 31/1/18 is £1,080.68
Total Debt Exc Mortgage = £3,604.36
~~~~~~~~~~~~~~~~~~~~~~~~
Wealth Accumulation
Summary:
Asset
|
Value
|
Increase
|
Pension Value
|
£20,298.50
|
0
|
XO Shares Account
|
£65.12
|
-23p
|
Company Sharesave.
|
£1200
|
£100
|
Fidelity Global Index Tracker
|
£1,045.22
|
£130.63
|
Cash (Matched Betting Liquidity)Betfair
|
£1,541.47
|
£1,396.14
|
Cash (Emergency Savings)
|
£0
|
-£500
|
Cash (Annual Bills)
|
£116.01
|
£110
|
Total
|
£24,266.32
|
£1,236.54
|
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Net Worth
£156,209.63
An increase of £2,243.85 since last month.
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