How much money do you have left in your bank account, at the end of the month?

downnotout

Defender, a spend diary can be eye opening. I used to pay 60p a day to park my car on a car park at college. I kicked this in to touch because it was £12 a month. Its not always the big things that count, its those little things that add up even spending a pound at a vending machine etc a day it all soon mounts up. I went shopping last night and was mugged for the first time in a long time by my children. I budgeted to spend about £80 on the monthly "big" shop, however 4 easter eggs and a fluffy sheep for my daughter later and that went up to £125. Sometime tiredness doesn't kill, it just costs

andymc29

Normally down to under £100 by pay day. I overpay debt as much as possible and this means it gets pretty tight towards the end of the month.

Venusflytrap

I have about £250 each pay day. This is after all bills and savings have been siphoned away.

I do not have any debt which helps, walk most days to work or elsewhere, make my own b/fast and lunches for the office and eat out once every 3 months or so. I enjoy saving as well as the thrill of having fun w/out having to spend a penny most days. For me, a long walk; borrowing a good book from the library; discussing or watching a movie with my hubby is far more satisfying than roaming the shops spending on things I do not need.

goodgirl80

ani_26 wrote: »

I'm a second class citizen, as i only have a current account, and a basic one, at that, ( well two now, as i've just received my pin for my new account, yesterday ), also basic, with zero balance. :rotfl:



I'm sure i've heard someone talk about an internet savings account, is it with the yorks bs? for second class citizens. Maybe someone could point me in the right direction? thanks

I've got two internet savings accounts, nothing in either of them at the moment. Was no hassle to open them. They are with SplatVest

ps. I have about £2 in my account - 9 days before payday and a loooong time before the end of the month

jaffacakegal

Well we're about half way thru the month, and I have currently got -£25 in my bank acct I took £80 out tho the other day and didn't end up buying what I was meant to, so this is currently put to one side as I have budgeted it for this weekend.

Should be getting some money in there in the next couple of days and am really hoping to make it last til payday - I have been trying to get out of my overdraft since I moved in my house last August.

Fingers crossed this month is the month I finally have a positive figure come pay day - as the dreaded car insurance is due next month, and that will take me straight back in!

timbstoke

I have 10 days til payday and currently have £35 left of last paydays money, with about £150 of credit available should it be needed. Usually, I end up going slightly into one of the debts I paid off at the beginning of the month - this month, I may go £20-30 into the overdraft I paid £50 off on payday.

However, it's the new financial year, which means bonus and payrise month. Bonus should hopefully leave me almost debt free, and if I can then get through next month without touching any credit, the repayments I'm no longer making along with the payrise should leave me a touch over £100 a month better off.

calisto

I've got no debts, other than my barclaycards which i pay in full each month so no interest. Got around £10k in gold coins, another £40k in a swiss bullionvault, £40k in NS&I certs, £10k in stocks and shares ISA, and around £120k in savings a/cs. My current a/c balance is usually around £1k at the end of the month. I need to be more efficient as i don't get any interest on that balance, but i would hate to ever go in the red. Nothing annoys me more, so I err on the side of caution.

PS. I'm single and looking for a hot chick to help me out with my financial difficulties.

calisto

Venusflytrap wrote: »

I have about £250 each pay day. This is after all bills and savings have been siphoned away.

I do not have any debt which helps, walk most days to work or elsewhere, make my own b/fast and lunches for the office and eat out once every 3 months or so. I enjoy saving as well as the thrill of having fun w/out having to spend a penny most days. For me, a long walk; borrowing a good book from the library; discussing or watching a movie with my hubby is far more satisfying than roaming the shops spending on things I do not need.

My kind of girl. Shame you are already taken.

ElmerFudd

At the moment I have about £600 at the end of each month but that will change once I have dealt with the bad CC. I've had to have a bit of savings available for a fee that's now been partially waived, so thankfully I will have much more to go toward the card. What I am expecting from next payday however will be £8!!!

Saintconor

My £3000 overdraft is usually maxed out at the end of each month. Its been in the red for years now but I have it as my lowest priority as it is interest free (for now).