#94 April Summary

This months check-in isn't going to be as positive as last months saving bonanza.

During the month our oven, dishwasher and washing machine all broke down!

Summary:

Other than almost every appliance we own breaking we also bought a 30th birthday experience for the brother-in-law and a 60th birthday present for the mother-in-law, along with our own daughters 6th birthday present AND pre-paying for a photo shoot for when baby 3 comes along this month AND paying for spending money for our couple of nights away with friends.

All in all it was an expensive month and we ended up spending more than I earnt and having a savings rate of -17% :(

Milestones:

• Our carpet loan dropped below £1k.
• Pension value surpassed £33k
• Equities, Cash + Pension surpassed £40k
• Current Assets minus Current Liabs difference is below -£1k. 

Numbers:

	April 2018
Gross Salary	$6,071.51
Other Income	$720.90
Total Income	$6,792.41
Tax & NI	$1,904.42
Variable Spending	$3,965.02
Fixed Spending	$1,777.56
Short Term Debt Repayment	$303.00
Total Spending (exc Investments)	$7,950.00
Net Income	-$1,157.59
Savings Rate (%)	-17
Pension Payments (Inc employer)	$607.15
Equities	$4,567.26
Cash	$2,891.22
Total Liquid Assets	$7,458.48
Student Loan	$0.00
Everyday Credit Card Balance	$1,027.32
HMRC Debt	$0.00
Carpet Loan	$990.38
Car Loan	$5,825.24
Pram Loan	$474.83
Total Liquid Liabs	$8,317.77
Net Liquid Assets	-$859.29

Graphs: