I have a credit card with a £2,300 limit and have about £30 left on it. I have got it up to a couple of hundred but the interest rates are high and I've found myself needing to dip into it due to cost of living.
Other than that I don't have much, I have a £400 overdraft but I'm not worried about that, and a credit card with a £200 limit but it's 0.
However the first credit card keeps me awake at night. I know people have much worse but it honestly makes me feel ashamed and fret. Currently have no savings as I recently bought a flat, so anything I did have went into that.
I've cancelled my pension contributions and waiting on a refund (civil service), but it's just taking forever to hear anything. However when I get that back it'll be around £1000 which will really help.
Without my pension I take home around £2060 net per month and I'm currently looking for a second job.
My mortgage is £440 a month.
Just cancelled my tv licence and gym membership which in total will save me £60.
Electricity is only about £35 a month.
Gas £35 a month atm.
Water haven't been billed yet but hopefully no more than £25 a month.
Council tax is £189 a month until March :(
Internet £24 a month.
Phone including handset £34 a month.
Pet insurance and monthly vet health care plan £32 (i have a cat)
As of March will be paying £120 service charge/ground rent a month.
There always seems to be something coming up like the dentist, household things etc. I think it's the credit card that's killing me, even if I pay £100, £50 is charged in interest.
I have a holiday planned to see a relative this month and in total that's set me back around £400, but that's not something I do very often.
Everything left good on food, transport (public transport, don't have a car), pet food, toiletries etc.
All my clothes and shoes are second hand.