Help - sticking to budgets and save

getmore4less

When bored rather than looking for new stuff look for the stuff you do use cheaper.

Piggy banking/envelopes can be a step towards proper budgets where where you keep money and what you spend are disconnected. 

Novice_investor101

As a few others do, I make sure all the bills & savings DDs etc come out as soon as I get paid & then what is left is mine to spend. I recently opened a second current account to which I transfer that months “spend on what I want” money & leave an amount in my main current account to cover all the bills plus a bit more. 

That’s stopped me from constantly checking how much is left & what has come out or not yet. I usually have spending money left at the end of the month. Wish I’d done that years ago, it’s a lot easier to control my spending when I know how much I’ve actually got to spend. It does take discipline tho. 

My bulk of cash savings are with a different bank so I can’t see them. Out of sight, out of mind! 

Monica18

Hi 

A big thank you for all advice ! New budget set!  New zero credit card to pay off debt(only small).  Transferring £ into another account to pay bills and moved utilities as a new supplier.  Got food budget set for 2 adults to £250 for the month! and looking for meal ideas (if anyone knows or if there is a thread on this forum? Thank you again! I’m determined as have a goal to save for a nice holiday and a big birthday to a couple of years😳