What Have You Spent Today Sun 4th Feb & New Weekly Challenge

joannasmum

Fell off the wagon big time last week, but I'm back with a vengence from today. My weekly budget is going to be

£10 for spending money and £30 for the food shop.

The_Boss

postingalwaysposting wrote:

hiya boss... i usually put anything i have next roll it over to the following week... so for instance this week i only have to get £5.76 out of my bank... this means at the end of the month the amout in my spending account is much higher and can be transferred into savings (well my debt now)

Ahh, ok. Fair enough. I am going to set my budget on a week by week basis based on the week ahead rather than based on the previous week - just cos knowing me I would then get used to the extra money and find it difficult to get back into the groove!

flowerofscotland

The_Boss wrote:

Another question from me - as a relative newbie to this forum - when people go underbudget do they generally then put this back into current debts, or is it purely used as a 'management' tool? Or is that extra surplus added up and then used as a treat?

I personally am using it as a bit of the first two. Seeing stuff in writing always makes me more definite, and from this week I am going to use my Work Diary to record details so I can keep it accurate and keep myself within my spend.

Hi and welcome - this thread is a great inspiration I find. Even if I don't post everyday I am conscious of it when I think about spending.

So far as I am aware there aren't any set rules - the main thing is that you know what to include in your budget and account for in your spending (no cheating!)

I don't include the weekly grocery shopping or my petrol -though if either went over budget for the week I would reduce my "discretionary spend budget" accordingly.

The amount I set myself each week is cash and I put whatever is left over into a piggy bank. I've used this fund for various things - extra debt payments, unexpected car problems and paying to have a tree cut down after the gales. I find it useful to have this buffer zone but it wouldn't work for everyone.

Good luck with whatever system you choose

iceicebaby

Afternoon all

No spend today

was watching the rugby but given up now as we are losing! Im a fair weather supporter!

Hannah111

Didnt write on here last week.... but budgeted £30....and spent £43.00.... i had to buy a headlamp bulb for my car.... £8.00 + £5.00 fitting as i have no idea how to fitit!!! but thats what took me over.... so i would have been a good gal :A Anyways.... this week my budget is £20.00.... as that is all i have in my purse til next week.... no taking out credit card!!!

Have a good week!!!

postingalwaysposting

postingalwaysposting wrote:

well i didnt do too bad with my budget ~ last week was £15.00 and i spent £10.76 but i did run up a bill on my cc for £477.85 which puts me back in debt :mad: anyways nevermind... i will set my budget this week for £10.00 its a bit high but i would like to get myself a desk tidy and i may have a prescription ... nsd today... just my driving lesson (but i cant be bothered :shhh: dont tell anyone) but thats budgeted anyways...

just done it and i have mastered a turn in the road :T so it was worth it but still couldnt be bothered :shhh:

matt4504

£1.85 on lunch but did £35.50 unexpected overtime...

anniestar

Hi gang, well nothing today DH went and bought the papers but they were within his budget( a refund for some disintergrating shoes-don't ask!!!). Am aiming for no more than £35 have a few bits and bobs but that should more about cover everything. Have a great evening everybody. Am going to stay up tonight for the Superbowl(even though my team woz robbed!!!!!)so should ensure I dont spend very much tomorow. Take care. A XX

LookingAhead

I went shopping for the weekly groceries and spent £40.19.

It was £42.69 but I had £2.50 I could take off with Nectar points.....every little helps.

(Ooops wrong shop )

anniestar

iceicebaby wrote:

Afternoon all

No spend today

was watching the rugby but given up now as we are losing! Im a fair weather supporter!

MY boys WON!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!AND have my usual bet on htem YEAH YEAH!!!!!!!!!!!!!!!(sorry icebaby!!!!!!!!!!!!!!!!!!!!!!!!)