Piggy banking

KimLouise17

Hi all,

I have been reading about budgeting and handling finances a bit better,


I was reading about 'piggybanking' and feel that this could be a real benefit for me and oh, but I just have no idea were to start.


So far we have a lloyds platinum account ( oh's name) a lloyds classic account (my name) and we have just opened a co operative current account, we also have a halifax saving account and an esaving a isa linked to hubby's account.


According to the budget planner here on MSE we should have around £450-£500 spare per month, which to us would be a hell of a lot but at the end of each month we just don't see it, but yet again we are very careless spenders and if its there then we will spend it.


I thought the piggy banking will be good for us because that takes that spare money away. Out of sight, out of mind.


I just don't know where to start in terms of which money in which account etc..


I hope someone can help

KimLouise17

Maybe it would help if I put my i goings and outgoings up?