Roll back to October and I ended the month with an over-spend of £14.61.
November ends with a credit balance of £29.03, this sounds good, however I have reduced my savings for the month by £300.00, this is because of birthday gifts and Christmas gifts that I have purchased (for the most part!).
December has an extra week which will be lost as I am planning a long weekend off in the middle of the month to spend some time with my godkids. That will mean spending lots of money!!!
Budget for December:
Spending £150
Expenses £250
Savings £1,150
Looking at my goals for the year and I am not going to achieve any of them. I think this is partly because of my trip to China (overspend on that one) and also not putting monies aside for my July Taxes. Since I got back I have been very good about putting money weekly into a high interest account and will have it pretty much covered for the end of January, which is my next due payment.
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