Sunken's attempt to float...

MeenaM wrote: »

OMG this is so freaky , your income and outgoings are practically the same as mine when I include my husband in it, he even has a company card like yours and isn't the slimmest either! and I am the one with the rust bucket car ,

i dont think your grocery bill is unrealistic , god knows how any one gets it below that as a family of 4 even with just shopping at Aldi it would be a problem

are you just paying the min on the credit cards?

as to a good budgeting app I like Budget Tracker App

an idea to get some money , switch your bank account to one that gives a cash incentive ,i switched for the first time to the B account in Nov after being with my previous bank for 30 years! but it was so easy and i qualify for £250 for doing so

i am going to subscribe and cheer you along good luck!

Lol, I'll keep a good eye on what you're doing then too to get some ideas.
I'm with a cash incentive bank, and most months I manage to get a tenner from them as I stay in the black (no OD facility) however, December I found myself in the red for a bit so the meanies won't pay me.

I have switched banks a few times to get the cash incentives, and that's certainly something I'll keep an eye on.

Credit cards at the moment are over two cards, Virgin and Tesco. We have been paying £200 a month standing order to Virgin for about 18 months, and minimum on Tesco (interest free and all debt accrued in last 12 months :eek:). However we have applied and been successful for a 0% transfer with 0% fee offer from Barclaycard with a limit of £12000 so are going to transfer both over in the next couple of weeks. Then work hard to pay it down before 0% ends. Of course if we don't it will be fine as we will have other cards to transfer it on to, but I couldn't believe the 0% fee offer as I've never seen that before and think we're unlikely to again for a while, and lots of transferring just racks up fees etc.

I find setting up Standing Orders for credit cards works better for us than either DD or remembering to pay. Once the money has left our account it can't be spent again, so in theory it should keep us to budget. Of course, I'll only be able to tell you how successful we have been come March :rotfl:

ok, have set up a billion easysavers on our lloyds account. Therefore I now have somewhere to put holiday/emergency/car/grading savings the minute we get paid. This is clearly not the first time I have been down this route as I already had a saver named 'holiday'. There was 4 pence in there Debating whether to set up another one for haircuts. Might be a step too far......

thought it was going to be a NSD but have just realised I have to pay some training fees. £28 pounds later...... still, no fripperies, and it's those things that will bankrupt us!