The New Budget Details

Divided into four weekly (kinda) payments, with rent divided by four, and other expenses allocated to different weeks.

Week 1
Rent: 151.75
Train: 30
Food: 50
Phone/Net: 75
Total: 306.75

Week 2
Rent: 151.75
Train: 30
Food: 50
Mobile Phone: 70
Total: 281.75

Week 3
Rent: 151.75
Train: 30
Food: 50
Electricity/Gas/Water: 50
Total: 281.75

Week 4
Rent: 151.75
Train: 30
Food: 50
GE: 80
Total: 310.75

Each week I pay myself $400. Out of this come all of my expenses, apart from my Credit Card repayments. I earn around $2800 a month. I have $1600 pulled out as wages, the rest is totally put on my credit card. I want to try to spend less than what I have allocated as weekly spare cash. At the end of the month it can go towards either something I have been wanting to buy, funnelling into my super account, onto my credit card as a boost payment, or just left as the basis of an emergency fund.

On top of this, I want to make CC payments every week. I've read this is a good way of helping to reduce the interest accumulated, and also I think it will help me stay focused and feel like I am getting somewhere with the balance.