Finances

outgoings - fixed

Rent

Therapy

r

cut down to every two weeks

Outgoings - Essentials

Food - in house

Toiletries

Debts

Smile OD

Outgoings - non essentials

Lunch from shop

Cigarettes

Magazines

Music

Luxuaries

Clothes

Holidays

Incoming - Salary

Savings

Outgoings - Social

Drinks

Dinner

Tickets

Weird Teas

Outgoings - travel

Shmoes

Lakes

Wales

WHAT TO DO TO IMPROVE

r

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.