I am actually owed a refund of £1500 from something which will be wonderful, but it's just a waiting game and could be another 2 months yet, however I know I will be getting it.
I'm not the worst with money but I'm not the best either. Every month before my wage comes in I calculate everything that's going out that month, and what ill have left.
I live alone. To give a rundown:
Mortgage- £440, boiler cover- £31.50, gas- £35, electric- £35, water not yet been billed as moved in last few months, ongoing orthodontic treatment- £54, petplan and insurance- £43, phone contract and handset- £32, gym- £14, YouTube/netflix- £22, wifi- £24, £300 on clearing debt atm across x2 credit cards and one loan.
Student loan- £30, then it's food, public transport etc.
I know i could cancel the gym but it's working out at around £3.50 a week and benefits me hugely. I don't have any Sky or anything like that and only have netflix so watch a lot of films etc on it.
If anyone sees any areas I could cut back on I'd be willing to take suggestions..I paid £300 alone on my credit card this month but then had an unexpected £190 repair bill.
It's living alone with a mortgage which is stressful as you have to plan for these unexpected emergencies.
I don't get expensive clothes, make up, hair etc. Everything is as cheap as I can make it.
I'm changing jobs next week and will be on 28k base salary and have got an evening job which will be £300 extra a month.
I don't drive, mainly use public transport but occasionally take an Uber, as waiting outside in blistering wind and rain is depressing a lot of the time.
I don't buy expensive food either, do what I can in terms of cheap or free hobbies. Used to do a dance class but now I just do one on YouTube. Will restart running once it warms up next week.