Into January's paycheck yet?

pudding06

Hi all,

It has just occured to me that for the first time in numerous years _ well about 20ish I think we have been really sensible.

We have put the dend of decembers paycheck into a seperate internet account and havent yet spent any of it.

For the first itme for ever thanks to dfw we wont be desperate at the beginning or middle of January!!!! and we''ll be able to pay our bills.

What about you? anyone broken into theirs yet?

thats the difference dfw has made to me this year and I'm so happy.

Heres to a brilliant dfw new year and OH is planning on joining me too!!!!!


love and peace for you all

pudds

Mrs_Sparkle

I've spent most of mine! I've paid off credit card bills that normally would have waited until the end of the month though so I haven't overspent too much. I do need to keep to a VERY strict budget in January though :-(

themaccas

I used £10 of mine but I got paid only 3 days earlier than normal and OH will still be getting his on the normal date - the last day of the month so that will be Friday. It hasn't really made any difference to us.

pudding06

I've paid off credit card bills that normally would have waited until the end of the month though

Well I did wonder if I should make some early payments etc, but then thought that if I broke into it we'd problably lose the discipline and spend much more, lol

well done on being so disciplined, and good luck in January.

pudds

pollyanna24

My pay check is still clearing, but bf's has gone into the joint account and we haven't gone into it yet.

My aim this year was to just spend what was in the joint account for Xmas and not use a cc, so although we have saved no money this month and only have £25 left (not include £10 for groceries), I'm quite proud that what money we did spend was our own and nowt went on the ole cc!!

babes21

I don't get paid until Friday, so haven't spent any of it.

pudding06

I used £10 of mine but I got paid only 3 days earlier than normal and OH will still be getting his on the normal date - the last day of the month so that will be Friday. It hasn't really made any difference to us.

Oh I wish they wopuldnt pay us early, It must cause real problems for so many people. We both got paid on 22nd, and while I'm paid weekly he's monthly and wont get paid until the last day in Jan now. I dont know if and when I'll get paid because I am casual - might not get a paycheck in january which is scary. Just depends on how much works there is.

pudds

edit - where have the thanks buttons gone?

pudding06

Gosh arent we all doing well!!!!!!!!!! l'm hoping to keep it up.
pudds

pollyanna24

I can understand why people find it hard when they get paid early in Dec, but my bf hasn't had his LBM and he asked me to take £200 out of his account to cover when he finds he hasn't got any money left in January. It's sitting in a internet savings account.

newleaf

Decembers pay went in a week early, on 21st. I haven't spent any yet, but a lot of it is 'spoken for' in Direct Debits which will go out before the next salary goes in on Jan 27th. I'm aiming to spend the bare minimum for the next month and anything left over can go towards my debt. I had to update my siggy this morning, in the wrong direction, having taken account of pre Christmas spending. I'm very disappointed, as really should have been well under £9K by now. I need to get back on the wagon sharpish.

K9cuddles

£60 in to mine! Could be more once I go shopping tomorrow!