Hi all,
I have recently gotten the financially responsibility bug. I've been guilty in the past of spending far too much.
I've studied the flow chart and I think I am already doing the majority of the things recommended by it.
I'm 26 and currently contribute 6.5% of my salary into my pension, which my employer matches for a total of 13%.
I've got an emergency fund of 6 months of expenses (mortgage, council tax and utilities) in a savings account, and I regularly save 25% of my 4 weekly income. (approx. £3300 every 4 weeks after all deductions)
I currently have only two debts to my name, which are my car payments and my mortgage.
The car payment is on 0% Apr and is £200 pcm, and I