how much money do u have left ?

Bella79

Jst been looking at banking stuff after we have paid our d/d which cover
loan
gas/elec
water
council tax
tv licence
car ins
home ins
life ins
aa
mobiles
payments on c/c (min)

im left with about £800.00 which is for all petrol food birthdays anything really that pops up !

theres 3 of us in fmaily no pets and i still struggle some months i think cos im used to getting paid monthly and now i get 200 a week find it hard to budget it ????

Krystaltips

Wow, £800 would be luxury to us! We have about £200 left from OH wages and about £200 tax credits once all direct debits are taken care of... We don't really struggle though.

Bella79

funny isnt it how we manage with diff amounts i can remeber when i used to live on 50 a week and coped u adjust to your income i suppose i think what i find hard its like now its xmas if i wanna buy something at 150 i carnt jst get it out of one weeks wage i have to wait till the following week and put some away something thats taking getting some used to

Krystaltips

When I was pg with DD I lost my job and had to live off £43.25pw for 6 months... When I got maternity pay of £107pw I thought I'd hit the jackpot... You always live to your means...

If you find yourself struggling why not work out a spreadsheet of all bills and how much it works out to per week then put this money aside from each pay so it evens out over the month... Another thing I do is have £10 a week transferred into a savings account. It's only a small amount so I don't notice it, but it really builds up after a while...

rchddap1

Everything we spend is generally budgeted for. Bills, standard spends, xmas, car maintenance, fuel etc... A bit of the extra is always saved and the rest goes on what we fancy. If everything is budgeted for that you know you have to spend the rest you can split throughout the month to buy stuff you'd like.

Food comes in under bills for me and we have a pretty strict budget. I have a list of cheap meals, medium ones and treats that we like. I'm always looking out for good deals on any of the above categoriesand if I find any they go straight in the freezer generally.

shellsuit

owens3116 wrote: »

Jst been looking at banking stuff after we have paid our d/d which cover
loan
gas/elec
water
council tax
tv licence
car ins
home ins
life ins
aa
mobiles
payments on c/c (min)

im left with about £800.00 which is for all petrol food birthdays anything really that pops up !

theres 3 of us in fmaily no pets and i still struggle some months i think cos im used to getting paid monthly and now i get 200 a week find it hard to budget it ????

Is the £800 you're left with, before or after mortgage/rent payments, as that's not on your list?

I find it so much easier to budget when being paid weekly, I remembera few years ago when OH used to get paid monthly, it was a pain in the backside and we were always getting into difficulties.

patchwork_cat

HI
I have asked before how much do people manage on after bills and I think the answer that I got is how long is a piece of string!
Do you put money away for car servicing, etc. I bank with the Halifax and have lots of little savings accounts adn put money away every month for clothes, christmas, bills inc car servicing, house maintenance and a car fund - Go through last years bills and put that amount away plus a bit . We have £900 for 4 of us after bills. I find that it isn't enough and I am sure that some people will say - what!!! The age of children also comes into it - my 15 year old can be quite expensive.

manda1205

We're usually left with £660 a month to spend on food and petrol and any extras, and I manage quite well on this, theres enough to go out with and pay DD nusery. But now OH has new job, this month should see us with up to £910 left. So will be nice for christmas with some extra money not counted for!
I agree you manage with what you've got. And its defintly easier to write it all down, I also only draw out a certain amount cash each week, so I know this is what I have and thats it. I dont use a debit card as I think its easier to lose track of how much is actually going out! I much prefer cash!
BTW theres 2 adults one 4yr old in our house!

lowis

i am left with about 800 a month after all my direct debits have been paid, to fund day-to-day living i.e. food, travel, credit card, haircut, clothes, holidays, presents, dentist, going out, cycle repairs, cat food/litter etc, misc expenses - i rarely manage to save anything and I am not frivolous with money.

TITEASCRAMP

After household bills inc mortgage. I would say around £2150 left over.

This then covers food, birthdays, Christmas, petrol, mot , car insurance & maint, holidays etc.

I am SAHM. We are 2 adults and 1 dd.

seven-day-weekend

owens3116 wrote: »

Jst been looking at banking stuff after we have paid our d/d which cover
loan
gas/elec
water
council tax
tv licence
car ins
home ins
life ins
aa
mobiles
payments on c/c (min)

im left with about £800.00 which is for all petrol food birthdays anything really that pops up !

theres 3 of us in fmaily no pets and i still struggle some months i think cos im used to getting paid monthly and now i get 200 a week find it hard to budget it ????

We live on less than that for everything!