Is anyone starting from scratch???
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Have posted my stats at last. Only trouble is thats £60 down on total as under estimated this months spends (great budgeting). But this was mainly due to buying a new bed for my 13 year old son who really needed a grown up sized one as he's taller than me now!.
Also car insurance due this month.
Still i'm hoping to keep the core £500 there. Fingers crossed.
Good luck!
i survived September and managed to get through with cash left! Must re-post stats.
Me and partner are doing well, I had a pay increase this month but somehow our savings won't have an increase
Happy birthday for Tuesday!
Thats the thing- looking ahead to where the nesscary spends are.
I use a notepad doc that I put all the incomings & outgoings on for eack month. Then at the bottom I put anything upcoming eg; Xmas, car tax so I can see whats needed. I also mark those paid when I check my statement on internet banking.
Extra shifts are always great for money saving. I'm part time but often get to cover for a colleague.
Sounds good , but, oh there's a big, BUT, my OH is so not a saver,
He earns a lot more than me and pays all the bills mortgage etc - (direct debits)
I pay for all the food and as I get paid in cash I also give him £50 ( on a tight week £40) in cash for his 'spends' so he doesn't have to use his bank account and therefore pay off his overdraft, he also pays a car loan out of his own account.
I can be really tight on myself and go without to save, but OH just doesn't seem to ever get back in the black! He does have a few hobbies that cost and I think he pays more out for them than he lets on! But as he's the main bread winner I sort of agree with that, but I'm starting to feel that I'm saving on my own.
We now have an awful threat of him being made redundant...:(
I feel my life is a bit of a mess:(
Dellbell - Thats great! I often wished I had smoked so I had something to give up and save from.
Lovesale - you sound like me. My OH earns more pays most of the main bills but is no saver. He has a DVD addiction problem
Sorry about the threat of redundancy though. Plan financies now. Great advice on this site.