InaPickle getting out of a pickle!

LeeSouthEast

edinburgher wrote: »

What's that - secret drinker?

Are your wages so irregular that you need to budget on a month by month basis? Have you ever considered creating a fixed budget based on your lowest typical monthly wage and then treating anything extra earned as a bonus? It might take a few months to adapt to but it might provide a bit more focus for long term planning... Just a thought, feel free to tip custard over me if it's rubbish!

This is exactly what I do (er.. edit: the budgeting, not secret drinking!). I start off with my fixed outgoings and budget on minimum income. Then add in sporadic expenses (car insurance renewal, MOT, servicing, Christmas etc, then work out what I will save each month. Any bonus beyond minimum earning either gets saved entirely, or split between adding to savings and splurging a bit. I've just finished 2010's spreadsheet today

edinburgher

then work out what I will save each month

See - this is the bit I need to get better at. I'm great at saying what I should save, but I need to stick to the budget in 2010 so that it's also what I do save! :T

LeeSouthEast

I set ING to take it out by Direct Debit the month before. I don't get a say in the matter ! The money being 3 days away also stops me 'dipping'.

edinburgher

Have done the same with IF in the past, but it's all too easy to change the deposit frequency 2010's resolutions = patience and willpower?

LeeSouthEast

Definitely sound like plans. You won't succeed without a bit of willpower.

InaPickle

:mad: :eek: Where has that big fat post I just wrote gone to?! :eek: :mad:

Small update: £113.51 (Ebay earnings inc. postage) paid off CC. :T

InaPickle

This here is an experiment.

ruby_eskimo

Hehe it worked and thanks for linking to my diary! Good luck with your new challenges!

InaPickle

ruby_eskimo wrote: »

Hehe it worked and thanks for linking to my diary! Good luck with your new challenges!

Thanks, and best of luck to you, too. :T

Having just read what I wrote, I've realised it kind of makes your thread sound like an experiment, lol!

*Disclaimer* The above-posted embedded link was merely Pickle's experiment in trying to get it to work and, in true wormhole-like fashion, links back to the place that told her how to do it (think the Hadron Colider! ). Ruby's thread is a real, genuine thread run by a real, genuine ruby eskimo (that last bit might not be 100% true! )

InaPickle

I've just paid 11p off my CC for the sake of making my calculations easier. If anyone at HSBC looks over my transactions, they will think I'm mad!:rotfl: