Hi.
I am really worried about how everything is getting more expensive. I have been trying to bomb proof our budget a bit, however I am still worried. We have cut everything back to basics - cancelled sky TV etc. Thankfully we log into my mums netflix :). Phones have been moved on to sim only etc and our CC debt is 0%. Despite this I am still stressing about it, so I though I would share it on here.
here we go....
Joint income £4489
Mortgage - 894
Gas elec - £210 ( can't do anything about this right now)
water - 40
C tax - £114
Home insurance - £24
2 x mobile phones sim only - £18
internet - £21.99
Car - £198
Car fuel - £180
2 X car insurances - £64
Food - £360 ( trying very hard to stick to this)
school lunches for 2 Dc's - £100
Credit card £200 - 0% and will be clear within 12 months
loan £147 - 6 months left
Life insurance policy - £38
Christmas/birthdays/parties etc - £100
Total - £2708.99
‘surplus’ - £1780.01. I think that me and dh should take £150 each for personal spends and then save the rest to create a buffer. We only have about 3k saved currently as we have only very recently had this level of income ( I have gone back to work).
My dh thinks I am worrying over nothing!