How do I budget?

seven-day-weekend

Hi Tracey?

Off-Topic - but what can you make from old bananas?

Genuinely interested!

fiveyearplan

SDW - you can make the most fantastic banana bread. Its very easy to make and delicious. I can dig out the recipe if you like.

undercover_angel

I made :
-banana and walnut loaf
-banana and custard (chopped up banana in custard, leaving it to set in the fridge) my partner loves this as his nan used to make it for him as a child.
-banana smoothies (frozen theese and will take one out every night this coming week to have for the following mornings breakfast)

financegirl

I've started using cash for EVERYTHING now apart from DD's.

Previously kept going overdrawn cos I forgot I kept swiping the debit card. £2.70 for Starbucks, £5 on mags and sweets, £10 for lunch the list went on. Have been doing it for a month and as you are dealing with real money it's amazing how different your mindset is.

For e.g this week I took £30 into Tesco for my weekly shop. Bill came to £32.00 - put something back cos I went over my budget.

Also when I get paid I pull out a substantial amount of cash from wages and divide it into envelopes marked petrol, food, beauty treatments (Hey I need a treat) etc etc. Then I lock the envelopes in a little safe and pull out what I need each month. E.g id car needs filling up take £20 out of the petrol envelope and update the balance that's written on the front of the envelope.
If you're apprehensive about leaving money in the house you could apply the same principle but with lots of different back accounts.

fiveyearplan

Good idea finance girl. I've also recently tried this for big things but see that it would be useful for the smaller things as well.

seven-day-weekend

undercover_angel wrote: »

I made :
-banana and walnut loaf
-banana and custard (chopped up banana in custard, leaving it to set in the fridge) my partner loves this as his nan used to make it for him as a child.
-banana smoothies (frozen theese and will take one out every night this coming week to have for the following mornings breakfast)

I've done bananas and custard (yum!) and banana smoothies, but would like the recipe for banana bread and banana and walnut loaf, please!

(Post on Old Style or PM if more appropriate).

weemissy

seven-day-weekend wrote: »

I've done bananas and custard (yum!) and banana smoothies, but would like the recipe for banana bread and banana and walnut loaf, please!

(Post on Old Style or PM if more appropriate).

oh could I please have your recipe for easy banana bread - mine always turns out really heavy and stodgy

daveyjp

The monthly budget planner is also basic - my water is only paid over 8 months of the year and Council tax 10 months - the planner can't handle this.

Agree about DDs and gas and electric - I choose not to pay this way, but I have been in my house so long I know how much the bills will be so put aside a monthly amount and pay on three monthly account. When starting out at least with something paid on DD you have reduced the bill.