Myself, I don't use sparksavings.com because of the glitches and issues with the site. I would recommend redoing your budget on your own and see if it has the same outcome that came up in sparksavings. I know when I put things into that site, it came up that I had money but when I did it on my own, it showed what I knew - that it hadn't calculated correctly.
When I started with the credit counsellor they almost decided to put me into bankruptcy, which I was fine with. At the end of the conversation we decided to go with repayment plan at 0% interest. According to the budget that we did, I was below zero at the end of payday. While that was true, in reality I was really good at juggling things around to make it all fit. Now 4yrs later (yes it takes time) I have money at the end of the payday.
As shared already, it's really important to track. Take a small book and pencil, toss into your purse or backpack, track everything as if you are writing cheques. If you find that a nuisance (as I know I do) then do as I did, keep all reciepts. At the end of the day, go through those reciepts and put in piles - one pile is necessary purchases, one pile is unnecessary purchases. Do that for a week and you'll find out where you are spending your money.
Look at what you currently have and see if there are places you can cut. At first the cuts could be harsh and that's how it has to be. I lived without TV for years and didn't have furniture in my home because I could not afford it. I had my bedroom set that I had since I was 18, along with an old table and desk. It's amazing how sleeping bags and cheap throw pillows work as a couch.
Set priorities in terms of savings and paying off bills. What bill really needs to come down faster than another bill. Look at interest rates, is there a bill with really high rates? Pay that one double what is owed, pay what is asked on the rest. Before you make a purchase ask yourself "is this really necessary." Often what we buy is not necessary, it's a want and not a need. Until your debt is paid off, needs are the priority, wants are optional and often pushed aside for later.
Ask your b/f and mother for support. Sounds like they are a good support system, so talk with them. Be honest. Ask them to help you figure out where the money is going.
Good luck with it all. You can definitely do this.
| Pounds lost: 37.8