Hi sam21.

If you have agreed a budget with your trust deed company, your major items of expenditure have stayed the same, your income has stayed the same, and you have managed to save money I think that the way you choose to spend it is a matter for only you to decide.

This situation might be different if you had been able to save because your expenditure went down (a mortgage cost decrease for example), your income had gone up, or you had come into money in one way or another.
What is your Trustee's position on your bonuses?

Be careful with your review. Your determination to keep up the originally agreed payment is commendable, but don't make things so tight for yourself that you risk reaching a point at which you cannot manage.

Hi TDA,

Thanks for your response, I came to an agreement with my bonuses that I pay 50% to them, the first bonus I done so and banked the other half, the second bonus I called them and they said I could keep it all so i put that into the bank too. They seem good that way as I put a lot of work into my job and they dont want to sacrifice everything I earn. It is tight at the moment but I would be due a 6 monthly bonus in June that will help to pay the extra per month. I want to be honest and pay what was agreed at first, its only 3 years and the first year has flown by.

Hi sam21

You should speak to your trustee as I can see no problem with what you suggest.

If they've agreed 50% the you can do what you like with the balance.

Mark