When we first got together and brought our first flat we were living on 'fresh air' after putting money aside for mortgage, bills etc.
I think we were surviving on less than £20 a week for groceries and household basics.
But one thing is for sure, they were happy days and made us totally appreciate what we have today. |
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By (user no longer on site)
over a year ago
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Changes from one week to the next.
I take out £100 a wek for shopping and spends.
Sometimes I have some left over, sometimes I hsve to dip into the bank account again.
I have a spreadsheet to keep track of my finances so I know what effect anything I spend now will have on my finances up to 3 montgs after.
Having a grand in the current account this week you could be fooled into thinkin you could treat yourself but by the end of the month that grand might only equate to a spare £50 once everything has been paid.
So well worth doing to keep tabs on things.
Getting paid a set amount and paying everything by DD / SO certainly makes it easier to manage though. |
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By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Changes from one week to the next.
I take out £100 a wek for shopping and spends.
Sometimes I have some left over, sometimes I hsve to dip into the bank account again.
I have a spreadsheet to keep track of my finances so I know what effect anything I spend now will have on my finances up to 3 montgs after.
Having a grand in the current account this week you could be fooled into thinkin you could treat yourself but by the end of the month that grand might only equate to a spare £50 once everything has been paid.
So well worth doing to keep tabs on things.
Getting paid a set amount and paying everything by DD / SO certainly makes it easier to manage though."
This is after everything has paid I am a nightmare at overspending....  |
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By (user no longer on site)
over a year ago
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"
This is after everything has paid I am a nightmare at overspending.... "
Seriously, do yourself a budget for the next few months on a spreadsheet.
It's a great tool for helping you manage overspends
Some people find it easier to bury their heads innthe sand though and worry about it only when the bills land.
I started doing them out of necessity but found them so useful that I continued doing them even after I became debt free. |
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By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"
This is after everything has paid I am a nightmare at overspending....
Seriously, do yourself a budget for the next few months on a spreadsheet.
It's a great tool for helping you manage overspends
Some people find it easier to bury their heads innthe sand though and worry about it only when the bills land.
I started doing them out of necessity but found them so useful that I continued doing them even after I became debt free."
I will try... I have set myself a budget of £100... |
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I do my accounts every week. I pay all the stuff that has to be paid then give myself "pocket money" this week i bought a stair hoover so paid for that seperate but im pretty good with my money. Ive never had a loan or an overdraft so i cant overspend |
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and start dumpster diving, and you could live pretty cheaply 