I dont know what my outgoings are for the month, I darent look

and I buy stuff regardless of whether I'm overdrawn or not

Not much help to you as I dont do the whole "budget" thing, I just wing it

I can only tell you my mortgage is £450 a month, havent got a clue what any of the other bills are, think council tax is £70 (25% reduced for billy no mates rates) dunno about owt else, got a loan and cards and shit like that as well