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Percentages

As a percentage of Total Assets and One Year Income, I am currently 1.79% in debt.

As a percentage of Annual Income, I am 34.77% in debt.

Both figures are high, however, because if I want to pay off my debts within a year, I calculate that I only have £30 free cash per month!  Still, I can live quite frugally, and my bills and food costs are all covered, including gym and bus travel.

This is AFTER giving the kids pocket money, which I will start again this November, as I have promised them. I will also manage to save £25 per month towards emergencies and £7 per month in tithes.

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