it that time of the month....

pebblespop

it's 12 days until payday and as usual i have run out of money.
i know i should have budgeted more carefully and will try to next month.

how does everyone else cope with this - i am sure it's happens to the best of us!!

loopymadlover

i'm always skint 6 days after payday but i transfer all my bill money and the money i need to pay my debt with all my dd are straight after payday so i dont have to worry

i do a big online shop and only spend what i can afford get yourself a budget that you can stick to and stay within it !

good luck :money:

TurnaroundSue

It might be an idea to set up a spending diary to see where your money goes. It is surprising how the odd cup of coffee, magazine soon mounts up and before you know it..... it's all gone:eek: . Or try posting your soa up and the good people on this site might be able to help you shed a few pounds here and there and give you more each month.:D

I know what you mean though. I have just joined the November NSD challenge to try and rein in my useless spending - maybe that might help you to focus also.

Anyway good luck and welcome to the boards:beer:

moo2moo

Store cupboard challenges - eat up whats lurking in th fridge, freezer, cupboards etc. Take the kids stomping through leaves in the park and finally leave my wallet at home so I can't be tempted to spend!

Jesthar

I have a custom spreadsheet I built which I use to keep track of all money passing through my current account and that I spend on my cashback credit card. I have online banking, so I just update it once or twice a week from there.

It's nowhere near as complicated as some of the budgeting sheets I've seen, but it does use a category tagging system to divide up and track individual areas of expenditure (Supermarket Shopping, General Shopping, Special Shopping, Mortgage, Car (inc petrol), Utilities, Regular Bills, Annual Bills etc.), as well as overall totals, so I can see at a glance from month to month where spending patterns have changed - either for better or worse!

It also doesn't take cash spends into account, but I work on the principle that any cash I spend has either been withdrawn from my account at some point, or has been given to me by someone else and is therefore not part of my 'regular' money.

My next challenge is to create a a 'summary' sheet for it which will collate and graph progress over the course of an entire year - can you tell I'm an IT geek?

~Jes