Ok, so here's a bit of planning for the coming month. A couple of these figures have changed since last month so I have updated them. They've only changed by around £10 or so but I want to record them.


Mortgage + buildings and contents insurance £632.70
Council Tax £129.00
Credit card 1 ~£165.00
Credit card 2 £ 23.27
Loan £189.08
Charity £ 18.00
Savings £ 5.00
National Insurance Contributions 2 £ 13.00
Interest payments on current accounts £22
Float of £10 in each current account £20
Sponsorship charity payments £10
Birthdays and anniversaries £50

Total £1277.05

Here are the foreseeable odds and ends that I need to cover by the end of the month which should be included above.

Current account 1 interest ~ £20 on 19th
Travel expenses for new job unknown
Sponsorship for family fund-raising efforts ~ £10 for Katy
My sister's birthday ~£15 first week in July
Anniversary present and card ~ £25.00


Now to income - the crucial part
Received:
Client PA - Deposit of £127.50 paid
Client SFS - £155 Paid up front
Billed:
Client NN - billed £100
Client AB - outstanding invoices $200 past due - chased
Client CS - billed £117.00
Client MC - billed £1150.00
Work in progress:
Client PA - £127.50
Client MG - £200.00
Salary - ~£1000 (should be around £1300 but on emergency tax code)

Of all of this, I know that the items highlighted in blue are ones I definitely will have before the end of the month.

June end of month spending total

Well, it's time to assess last month.

The good news is we survived. We didn't default. We're moving step by step further away from hell.

Not so positive - I didn't manage to get anything towards my emergency fund.

So here's the figures.


Food
£76.88

Household
£3.10

Petrol
£152.04

Non-car travel
£17.35

Cats + hedgehogs + chickens
£49.73

Birthdays etc
£5.50 (cards for Father's Day and BIL birthday)
£1.50 (mum's card)
£20 (mum's pressie)


Takeaways, treats and entertainment
£10.00 - KFC (see this mornings post)
£7.60 - beer and snacks, Le Mans gathering at BIL

House renovations + garden
£49.00

Car maintenance
73.28

I'm shocked at the food totals. How on earth did we manage less than £20 a week for food?? I wasn't in a position to do meal plans so I thought we'd send more. There were nights were scraping through on the bare minimum of food, which usually involved eggs in some form, but we managed.

So what are the totals paid off the debts last month?

Current account overdrafts:

1 -£1,674.83 DOWN BY £12.47
2 +167.63 (not included in debt total)

Credit cards:

1 £6819.32; APR 17.9% UP BY £1.57 had to put a £10 charity donation on the card.
2 £1034.33; APR 11.9% DOWN BY £4.46.

Loan:
£4308.99 DOWN BY £153.72
end date 15th July 2012
APR 9.51% pa


Creditors:
£100 consultants fee outstanding since November 2009

Total debt: -£13,937.47 DOWN £169.08