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Kirkatronics

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My current spending list is something like this:

 

Rent

Bills

Food

Loan Payment

Drinks

Savings for new car

 

There's also a few random bits and bobs I buy but they're not really worth mentioning. I used to spend a fair bit on games but now I get those on work expenses which saves a hefty amount each month.

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My budget spreadsheet has the following as outgoings:

 

Nildram Internet

Nildram Phone Calls

Gas

Electricity

TV License

Home Insurance

Council Tax

Car Insurance

Car Breakdown Cover

Mortgage

Water

BT Line Rental

Direct Debit to Savings

Transfer to Joint Account for Food & Entertainment

 

 

Unfortunately most of the time we seem to spend the money that we set aside as savings. I'm living on the edge man!

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My budget spreadsheet has the following as outgoings:

 

Nildram Internet

Nildram Phone Calls

Gas

Electricity

TV License

Home Insurance

Council Tax

Car Insurance

Car Breakdown Cover

Mortgage

Water

BT Line Rental

Direct Debit to Savings

Transfer to Joint Account for Food & Entertainment

 

 

Unfortunately most of the time we seem to spend the money that we set aside as savings. I'm living on the edge man!

How much is the TV license these days?

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In cost-descending order,

 

Rent

Petrol

Bills

Food

 

The rest I try and save then slowly burn on stupid things that I don't need.

 

I'm thinking of using the 'save the change' scheme that Lloyds TSB has where every time you spend on your card, the cost is rounded up and the change is moved to a savings account. Kind of like putting small change in a jar, except digital. Might help out :)

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In cost-descending order,

 

Rent

Petrol

Bills

Food

 

The rest I try and save then slowly burn on stupid things that I don't need.

 

I'm thinking of using the 'save the change' scheme that Lloyds TSB has where every time you spend on your card, the cost is rounded up and the change is moved to a savings account. Kind of like putting small change in a jar, except digital. Might help out :)

Thats a really good idea, is it like this:

buys a game for 34.50, you get charged £35 and 50p put into the account? Sounds like a brilliant idea.

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Guest Jordan

At the moment:

Rent

Food

Mobile Phone bill

Games

GAMES

GAMES

 

From Oct onwards:

Mortgage

Rates & Council Tax

TV license

Electric Bill

Insurance

(Note that all the above should cost around the same as my monthly rent at the moment... fucking twat landlord.)

Mobile Phone bill

Internet

Food

Fewer games

 

Chances of actually saving any money when i'm on £1250 a month = very little.

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Thats a really good idea, is it like this:

buys a game for 34.50, you get charged £35 and 50p put into the account? Sounds like a brilliant idea.

That's exactly it, yeah :)

 

First month they introduced it, they doubled everything you saved, that was awesome. Totally took advantage of that :heh: after that I stopped using it, but I might go back to it.

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At the moment

 

Housekeep (£160 p/m)

Charitable Donations (£20)

Phone Bill (varies from £30 - £80, charge me for using the MSN on my phone which is meant to be free, but apparantly they changed the T+C and didn't tell me)

Phone Insurance (£5)

Sky (£15)

 

Rest is all mine, mwha ha ha ha. A few years from now i will move out of the parents place and have my own bills.

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Hmm...

 

Transport to and from work... Fiver a day * 4 = £20 / week. Absolute rip-off actually, fortunately I can drive some days which halves the cost.

Phone bill - £35 / month

Drink - £???

 

Currently spending more than I'm earning but expenses will go down once I get to uni as transport costs will half, drinks probably will go down quite a bit too, but then I suppose food costs will rise.

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I really don't know what I spend my money on?! - the usual rent, bills and food but it the rest just disappears and I never seem to have anything to show for it! - maybe I should monitor it for a month and see what I spend my cash on.

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