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9% AMEX cashback card - £0 - I pay the bill in full as a priority every month but use it for much of my spending for the rewards "car loan" - actually a Tesco Bank loan at 4. 5%, £3600 remaining, so 31 months at current payment rate "Japan fund" - Debt to ourselves, we got around £3k of gifts from our wedding and used around 2k of it to pay debts, trying to pay it back by the end of the year so we can travel in 2021 or 2022 Wife's parents are taking us on holiday at Easter and paying for my wife entirely, I am paying them back for my flight which is £1000, I have saved 750/1000 so far Of the 750 I have left every month, I have been spending 200 paying back our Japan money and for my holiday flights, as well as £50 on our joint card. After that, I've been using the remaining £500 on general expenses. average of 200/month on my hobby (travelling in the UK to play sporting events and equipment) average of 330/month (gulp, working on it) on eating out, mostly daily takeaway coffee. Trying to keep this to 150 going forward physiotherapy paying for the cat to go to cattery when we're away petrol & car maintenance (brakes/tyres recently etc) shoes and clothes (usually total around 300/year, one pair of shoes and two outfits or so) In theory, anything left at the end of the month would go towards my overdraft being less the month after, but in practice that doesn't really happen and often still increases... Any advice that would help me would be appreciated.
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