Finances

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Finances

WHAT TO DO TO IMPROVE

Check last months statement - what do I spend on.

Plan meals for lunch and dinner - cut down on take outs.

Stop / cut down on smoking.

Stop drinking at home.

Charge back for Starbucks - meetings.

Therapy bi-weekly.

Create a daily budget after essential costs (rent/debt/therapy/food).

Cancel unused subscriptions.

Check experian.

Credit Card for travel and emergencies.

Ask for a payrise. If not loom for a better job.

Outgoings - travel

Wales

Lakes

Shmoes

Outgoings - Social

Weird Teas

Tickets

Dinner

Drinks

Savings

Incoming - Salary

Luxuaries

Holidays

Clothes

Outgoings - non essentials

Music

Magazines

Cigarettes

Lunch from shop

Debts

Smile OD

Outgoings - Essentials

Toiletries

Food - in house

outgoings - fixed

Therapy

cut down to every two weeks

Rent