How can I improve finances

lilyloo17

Hi , sorry not entirely sure if I'm posting in the correct place as I'm not in any significant debt (apart from mortgage ) but was looking for help/ advice on how to improve finances ?
Me and hubby have reasonable combined income 2674, plus child benefit 137 - our total expenses per month are 1661 - so in theory we should have 1k per month left - we never do but obviously out of this there is spending for non essential but enjoyable things , we have 2 girls so spend on them.
The 1661 includes mortgage, food petrol and all household bills , 80 for sofa (we also pay 300 childcare per month but is paid via vouchers so our income is already net of this and some share savings we take part in ) also have 800 on cc paid around 40 per month / so the situation is not dire I just want to improve it ! Should I post elsewhere ? Thanks

Petal88

Hi lilyloo!

It would help if you filled out a SOA http://www.stoozing.com/calculator/soa.php so that we can see where your money is going and therefore where you could be cutting back.

If you think you should have 1k left at the end of the month but don't, I recommend starting a spending diary or using a 34 day free trial of YNAB to get an idea of where it's all going

Don't worry though, I'm sure people on here will help, they always do!