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Do you budget?
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By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
So I've had to tighten my budget due to redunacy and I learnt that when I was working I spent money on crap..If there was a new cosmetic product I'd buy it, I didn't need it but I bought it. I look now and think boy all that money could of gone into savings...it's funny when you have to budget when you reliase just what you spent on nothing.... |
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By (user no longer on site)
over a year ago
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Not really budgeting but everything is tracked and credit cards, bank accounts are reconciled to make sure it all agrees and there is nothing odd in there. |
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By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Not really budgeting but everything is tracked and credit cards, bank accounts are reconciled to make sure it all agrees and there is nothing odd in there."
Ahhh ok I checked and still check my bank account on a daily basis to make sure that nothing is coming out that is not meant to be coming out  |
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By *icketysplitsWoman
over a year ago
Way over Yonder, that's where I'm bound |
I spend a lot on crap because I want to. When I have to tighten my belt then I do.
I have a budget for the essentials to remind me exactly what I need to earn each month to remain in the black and I have a savings plan for my tax bill and one for my minimum to save for a rainy day.
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By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"I spend a lot on crap because I want to. When I have to tighten my belt then I do.
I have a budget for the essentials to remind me exactly what I need to earn each month to remain in the black and I have a savings plan for my tax bill and one for my minimum to save for a rainy day.
"
I was like that I wanted to spent it because I could... |
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By (user no longer on site)
over a year ago
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Fortunate or have worked enough to attain but in the position not to have to and buy or replace whatever and when ever I like. But that said decided that I'd like to retire 10 years early so cutting back and down sizing now. |
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By (user no longer on site)
over a year ago
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i dont budget..terrible with money...so got rid of any overdrafts, or credit cards years ago..don't need access to money i dont have! rent,bills get paid first, then the paltry amount left gets wasted on whatever i feel like wasting it on! it's a system that has worked fine for me! |
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By (user no longer on site)
over a year ago
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For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
Home insurance halved so how £25 per month
Will also look into going sim only since I'm not fussed for the latest phone.
we already have plenty left over each month, so I'm thinking of putting what I've saved towards a new watch, looking at one as an investment this time so it's not actually costing anything in the long run
Was really surprised how easy it is to get direct debit bills cut down, id just auto renewed everything previously |
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I have no need to budget since i rarely buy crap and have relatively simple tastes. The problem with budgeting is that you will often miss opportunities that could actually help you make more money in future. If i overspend then it motivates me to earn more next month. |
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By (user no longer on site)
over a year ago
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I am quite careful with money but could do a lot better especially when it comes to buying lunch. Otherwise most things I purchase are in sales or reduced. I do love TKMaxx but they are not as good as they use to be. I have also finally stopped using my overdraft. And don't have and credit or store cards. |
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By *oodmessMan
over a year ago
yumsville |
I don't budget, in fact I am (or at least was), terrible with money. The thing that woke me up was looking at my statement and seeing the number of takeaways I was having. I was eating junk for lunch then ordering a takeaway dinner. I was spending £80-90+ a week on food that was unhealthy and wasteful to the extreme but I looked back and realised I had been doing this for months. On totting it up for the year, I'm still shocked when I think of it ... As soon as I stopped my savings grew unbelievably along with my taste buds. |
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I ditched credit cards and overdrafts years ago,strictly cash only now. If I don't have the cash,I don't buy it. Physical handing cash over for something seems to stop me wasting money on crap. I hate to see the stash pile get smaller. |
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By (user no longer on site)
over a year ago
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i frittered all my money away on good times, women and getting up to shenanigans. the rest i wasted.
never buy 'stuff' though...i don't own many things at all but have a hella back catalogue of memories  |
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By (user no longer on site)
over a year ago
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Kind of.
On payday enough money to cover all my bills/some savings is auto transfered to another account.
Any money left is "disposible" any not spent by next payday gets moved over to savings for fun things.
Rainy day fund is set up so that I have 12 months of bills etc covered should the worst happen
(through work I am covered for 12 months full sick pay too).
I do need to start some more long term investments though |
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By (user no longer on site)
over a year ago
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"So I've had to tighten my budget due to redunacy and I learnt that when I was working I spent money on crap..If there was a new cosmetic product I'd buy it, I didn't need it but I bought it. I look now and think boy all that money could of gone into savings...it's funny when you have to budget when you reliase just what you spent on nothing...."
.
Have you considered Buddhism  |
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By (user no longer on site)
over a year ago
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"Kind of.
On payday enough money to cover all my bills/some savings is auto transfered to another account.
Any money left is "disposible" any not spent by next payday gets moved over to savings for fun things.
Rainy day fund is set up so that I have 12 months of bills etc covered should the worst happen
(through work I am covered for 12 months full sick pay too).
I do need to start some more long term investments though"
.
Long term.... Old thinking |
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By *oodmessMan
over a year ago
yumsville |
"I have no need to budget since i rarely buy crap and have relatively simple tastes. The problem with budgeting is that you will often miss opportunities that could actually help you make more money in future. If i overspend then it motivates me to earn more next month. "
I was looking at an air miles credit card just today, seen as all big purchases go on it and are paid off within the month. You need to spend around £13k to get to NY and back first class, though it seems a bit of an obvious choice if a credit card is used by people and there are no benefits being had on it? My old British Heart Foundation one was closed, and I get nothing on this... |
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"So I've had to tighten my budget due to redunacy and I learnt that when I was working I spent money on crap..If there was a new cosmetic product I'd buy it, I didn't need it but I bought it. I look now and think boy all that money could of gone into savings...it's funny when you have to budget when you reliase just what you spent on nothing.....
Have you considered Buddhism "
I knew you were buddhist! |
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By (user no longer on site)
over a year ago
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"Kind of.
On payday enough money to cover all my bills/some savings is auto transfered to another account.
Any money left is "disposible" any not spent by next payday gets moved over to savings for fun things.
Rainy day fund is set up so that I have 12 months of bills etc covered should the worst happen
(through work I am covered for 12 months full sick pay too).
I do need to start some more long term investments though.
Long term.... Old thinking"
More "mid thinking" I'm pretty good pension provision wise (state, final salary workplace, and a private).
I'm thinking more for when I'm 40 and thinking of kids.
Be nice to have some investments to cash in then |
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By (user no longer on site)
over a year ago
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We budget...this will sound OTT but it works for us. We have 9 savings acounts which are visable on our online banking and each is labelled eg car, holiday, Xmas, bdays. Just after payday we have a standing order set-up so money is automatically transfered to each account.
The rest of the money we work out what DD's will be coming that month and what is left. I know this is micro manaaging but it means we always know where we are financially at any point of the month and so can spend or scale back as necessary. |
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By (user no longer on site)
over a year ago
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I'm very wasteful with money and I have an expensive shoe habit. I am going to try and stop spending on stuff I don't need and to do this in not going shopping every Saturday. Well that's the aim anyway |
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By (user no longer on site)
over a year ago
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I budget to make sure I pay my bills from my dayjob wages...then take on all kinds of other repair work (evenings, weekends, and even overnight work occasionally) to make sure I have money to spend on things I want. Bloody hard work and tiring, but worth it. |
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By (user no longer on site)
over a year ago
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"We budget...this will sound OTT but it works for us. We have 9 savings acounts which are visable on our online banking and each is labelled eg car, holiday, Xmas, bdays. Just after payday we have a standing order set-up so money is automatically transfered to each account.
The rest of the money we work out what DD's will be coming that month and what is left. I know this is micro manaaging but it means we always know where we are financially at any point of the month and so can spend or scale back as necessary."
While I get the organisational advantages aren't you missing out on a fair whack of interest but spreading it our over 9 accounts when the top paying ones you can usually only get 3 of ass a couple? (2 solo 1 joint ) |
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By (user no longer on site)
over a year ago
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"Saving money is like dieting and earning more is like exercising. They both help lose weight but one is a hell of a lot more fun than the other. "
If your going with that analogy one is vastly more effective than the other too.
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By (user no longer on site)
over a year ago
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"We budget...this will sound OTT but it works for us. We have 9 savings acounts which are visable on our online banking and each is labelled eg car, holiday, Xmas, bdays. Just after payday we have a standing order set-up so money is automatically transfered to each account.
The rest of the money we work out what DD's will be coming that month and what is left. I know this is micro manaaging but it means we always know where we are financially at any point of the month and so can spend or scale back as necessary."
Sounds good to me. |
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By (user no longer on site)
over a year ago
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I dont budget but then i only buy things I need or think i need.
Buying things, having work done the house /garden is the most expensive and still got a long way to go. I save every month and so if i want to go on holiday or splash out on something for the home i can. I work overtime quite a bit but try and balance work/play.
I never try and keep up with the Jones's and dont have the latest gadget or designer clothes or new car. Im very lucky but I live within my means and have no debt other than the mortgage. |
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By (user no longer on site)
over a year ago
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I never used to budget then was made redundant so had to cut back which was a good job as it put me in a better place for when my new job was £12,000 a year less pay .....
Never thought I would cope but still after paying bills and necessary items I'm still managing to put some savings away. |
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By (user no longer on site)
over a year ago
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"So I've had to tighten my budget due to redunacy and I learnt that when I was working I spent money on crap..If there was a new cosmetic product I'd buy it, I didn't need it but I bought it. I look now and think boy all that money could of gone into savings...it's funny when you have to budget when you reliase just what you spent on nothing.....
Have you considered Buddhism
I knew you were buddhist!"
.
Not everybody takes the middle way |
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No but I need to. I'm 37 this year. No kids and it looks like that won't change anytime soon and nothing to show for the years of working I've put in. I want to buy a house so need to start saving.
I take home £1400 a month and spend every damn penny! My current rent is only £270 (all bills included) I should be able to save shit loads! |
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By (user no longer on site)
over a year ago
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I budget quite a bit especially at the moment. I ensure bills, shopping, rent, savings all get sorted before start to even think about the rest as there to spend |
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By *oodmessMan
over a year ago
yumsville |
"No but I need to. I'm 37 this year. No kids and it looks like that won't change anytime soon and nothing to show for the years of working I've put in. I want to buy a house so need to start saving.
I take home £1400 a month and spend every damn penny! My current rent is only £270 (all bills included) I should be able to save shit loads! "
If you physically look at your statement and cut back out one big thing, you'll be surprised how much accrues in a only a few months. For me it was fast food, (I later found out it was actually tomato sauce lol) but I was so much better off by the end of the the first month I couldn't go back and spend that amount again. If you do it for a few things later on, then this is where you'd really start to save. |
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By (user no longer on site)
over a year ago
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I try to budget where I can. I save for Christmas and holidays, even things like car services etc so there's money there when I need it. On January 1st I'm not carrying a large post Xmas debt for example - it's all paid for from the savings in the previous year then I start saving again for next Christmas!
But you're right OP, if you actually take time out to sit down and analyse where the money goes, there's so much that goes on nothing and it's quite frightening at times! |
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By (user no longer on site)
over a year ago
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"We budget...this will sound OTT but it works for us. We have 9 savings acounts which are visable on our online banking and each is labelled eg car, holiday, Xmas, bdays. Just after payday we have a standing order set-up so money is automatically transfered to each account.
The rest of the money we work out what DD's will be coming that month and what is left. I know this is micro manaaging but it means we always know where we are financially at any point of the month and so can spend or scale back as necessary."
ah I posted before seeing this but this is pretty much what I do as well! |
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By (user no longer on site)
over a year ago
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"We budget...this will sound OTT but it works for us. We have 9 savings acounts which are visable on our online banking and each is labelled eg car, holiday, Xmas, bdays. Just after payday we have a standing order set-up so money is automatically transfered to each account.
The rest of the money we work out what DD's will be coming that month and what is left. I know this is micro manaaging but it means we always know where we are financially at any point of the month and so can spend or scale back as necessary.
While I get the organisational advantages aren't you missing out on a fair whack of interest but spreading it our over 9 accounts when the top paying ones you can usually only get 3 of ass a couple? (2 solo 1 joint )"
As interest rates are shite atm i prefer the organisational advantages. I could have one pot and have use paper or computer based tracking of this but i just find it easier and more manageable. If interest rates improve i might look to change this about |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
"
How much??????? Are you 18??!
And yeah, I budget the crap out of my life. |
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By (user no longer on site)
over a year ago
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I was one of Maggie's Stormtroopers in the 80s, which was a fine education in living on what you need. And I've worked with state of the art technology, which has taught me that it doesn't bring fulfillment or contentment, it brings built-in obsolescence you'll have to keep up with. My phone cost me £3.95 and can barely txt.
When I had a car I had a satnav but did I really need it? How did we manage without them? Well, we had roadsigns. There were probably only a couple of times I really needed it in a strange city, when I could've stopped, parked and got a taxi to take me to the destination. That would've been a lot cheaper than the cost of the satnav and all the power required to keep it charged. Then there was the updating of maps that somehow weren't complete for the place I really needed them.
I hated commuting so got rid of my car and saved more money in a job I was getting paid half what I used to. Best advice my dad ever gave me: "You have a car, or you have money." Luckily I live in a small city, so I can walk everywhere. And I don't need a satnav for that. |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life. "
.
It made me  as well.
I pay £195 and I was thinking blimey they got that cheaper than mine... Then I realised it was monthly |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life. .
It made me as well.
I pay £195 and I was thinking blimey they got that cheaper than mine... Then I realised it was monthly "
Who the fuck are you insured with? Do you have like 50 years no claims?  Mine is nearly £300 a year |
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By (user no longer on site)
over a year ago
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Don't really budget for person finances but runs business and have to do a lot of cash flow forecasting to make sure the money will be there when it's needed. |
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Oh yes OP - ever since I was a teenager.
I always make sure I manage to put some into my savings.
At the moment, I put 1/4 of my monthly income for daily expenditures, 1/6 for annual traveling and the rest into my savings. |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life. "
25 on a type R - welcome to acceptable age discrimination.
£112 is the cheapest I've EVER had insurance. |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life. .
It made me as well.
I pay £195 and I was thinking blimey they got that cheaper than mine... Then I realised it was monthly
Who the fuck are you insured with? Do you have like 50 years no claims? Mine is nearly £300 a year "
. Direct line
Yes 23 years no claim, no accidents, no tickets, no medical, never even been pulled,...  |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life. .
It made me as well.
I pay £195 and I was thinking blimey they got that cheaper than mine... Then I realised it was monthly
Who the fuck are you insured with? Do you have like 50 years no claims? Mine is nearly £300 a year . Direct line
Yes 23 years no claim, no accidents, no tickets, no medical, never even been pulled,... "
Ok, got it. I only have 7 years. Two tickets. Pulled once, but sex in a car is never comfortable.  |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life.
25 on a type R - welcome to acceptable age discrimination.
£112 is the cheapest I've EVER had insurance. "
Got it. Ah well. Young people are shit drivers. |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life.
25 on a type R - welcome to acceptable age discrimination.
£112 is the cheapest I've EVER had insurance.
Got it. Ah well. Young people are shit drivers. "
Didn't you know it's the middle aged blokes in their 320s and A3s that are the worst? 
Or the mums doing the school run in the 4x4s to collect their little angels when they only live 300m down the road.
Young drivers are practically saints when compared |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life. .
It made me as well.
I pay £195 and I was thinking blimey they got that cheaper than mine... Then I realised it was monthly
Who the fuck are you insured with? Do you have like 50 years no claims? Mine is nearly £300 a year . Direct line
Yes 23 years no claim, no accidents, no tickets, no medical, never even been pulled,...
Ok, got it. I only have 7 years. Two tickets. Pulled once, but sex in a car is never comfortable. "
.
 |
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By (user no longer on site)
over a year ago
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"I've just started. I've been overspending by £50-£150 every month and it gradually adds up.
So I've got a spending tracker app and now write down every penny I spend. It helps focus the mind"
This essentially. I now take out my variable expenditure (food, travel and petrol) when I get paid. Now that I sort my own lunches out and don't use contactless recklessly things are about more manageable |
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By (user no longer on site)
over a year ago
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I've never been able to budget nor save. I've never been out of work so i have the mentality of 'earn it, spend it', there's always more to be had. I don't like the idea of having to turn over every penny and i'm actually quite generous.
As a result i'm always skint despite working 6/7 days a week and it causes trouble at home. I know i should so i guess i'm just going to have go get my head around it even tbough it doesn't suit my character. |
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By (user no longer on site)
over a year ago
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"I've never been able to budget nor save. I've never been out of work so i have the mentality of 'earn it, spend it', there's always more to be had. I don't like the idea of having to turn over every penny and i'm actually quite generous.
As a result i'm always skint despite working 6/7 days a week and it causes trouble at home. I know i should so i guess i'm just going to have go get my head around it even tbough it doesn't suit my character."
Apologies for the typos, i'm running on 2 hours sleep. |
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By (user no longer on site)
over a year ago
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"We stopped spending fivers and save them up it adds up quite quickly"
That's a good idea. We can only manage to do it with pound coins so it takes a bit longer. |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life.
25 on a type R - welcome to acceptable age discrimination.
£112 is the cheapest I've EVER had insurance.
Got it. Ah well. Young people are shit drivers. "
My insurance is £100pm I'm 38! Been driving 20 years |
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By (user no longer on site)
over a year ago
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We do budget but not as rigorously as we should, I like to still have a nice cushion in the bank the day before payday, the size of the cushion was a bit small this month, so I need to be a bit more careful this month, but I know one good month of watching what we spend puts us right back on track.
We save around 20% of our take home pay and I also have jars at home with different denominations for saving for different things.
I plan to have my mortgage all paid off in the next 10-15 years, I could do it sooner but I want to enjoy my earnings too.
Ginger |
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By (user no longer on site)
over a year ago
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"For the first time ever I looked into slashing bills where I could
Car insurance down from £158 per month to £112
How much??????? Are you 18??!
And yeah, I budget the crap out of my life.
25 on a type R - welcome to acceptable age discrimination.
£112 is the cheapest I've EVER had insurance.
Got it. Ah well. Young people are shit drivers.
Didn't you know it's the middle aged blokes in their 320s and A3s that are the worst?
Or the mums doing the school run in the 4x4s to collect their little angels when they only live 300m down the road.
Young drivers are practically saints when compared "
The insurance companies disagree with you. And as they're the people who have most to lose, I tend to agree with them. |
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By (user no longer on site)
over a year ago
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Budget to a certain extent,but helps being single,houses,vehicles,bikes,all paid for,nothing too extravagant,don't work half as much as I used too,still manage to save,lol 11 years ago had just broke up with ex,£50 n knackered escort van to my name! That did require budgeting! |
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By (user no longer on site)
over a year ago
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"Saving money is like dieting and earning more is like exercising. They both help lose weight but one is a hell of a lot more fun than the other. "
Very much depends on having the type of job where yoi csn just easily earn more ... most people have fixed hours / salary |
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By (user no longer on site)
over a year ago
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"We budget...this will sound OTT but it works for us. We have 9 savings acounts which are visable on our online banking and each is labelled eg car, holiday, Xmas, bdays. Just after payday we have a standing order set-up so money is automatically transfered to each account.
The rest of the money we work out what DD's will be coming that month and what is left. I know this is micro manaaging but it means we always know where we are financially at any point of the month and so can spend or scale back as necessary.
While I get the organisational advantages aren't you missing out on a fair whack of interest but spreading it our over 9 accounts when the top paying ones you can usually only get 3 of ass a couple? (2 solo 1 joint )"
Interest rates are so low that i doubt it makes a difference ... my savings account you can do all of that from one account though ... it lets you set up savings pots ... make transfers via standkng order to each pot and see where you are compared to target |
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Try skimming your bank whitch means you just round up each pound we saved in first week £78
There's a few saving groups on facebook with great ideas and there apps out there what can actually help.
But to start with its difficult. |
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By (user no longer on site)
over a year ago
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No, I am bad with money, but never in debt for more than a month now, and only go to work if I want something and can't afford it. Plus have quite a lot in property so could always sell a house or two if needed. |
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By (user no longer on site)
over a year ago
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"Try skimming your bank whitch means you just round up each pound we saved in first week £78
There's a few saving groups on facebook with great ideas and there apps out there what can actually help.
But to start with its difficult. "
How does skimming work? |
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"Try skimming your bank whitch means you just round up each pound we saved in first week £78
There's a few saving groups on facebook with great ideas and there apps out there what can actually help.
But to start with its difficult.
How does skimming work?"
Say if you buy something for £3.50 then you round it of to a pound and put that 50p into another bank acount and it soon ads up although you can get apps to do it for you and even hold it in an investor acount but we did it with and without the app without the app we saved more due to adding an extra pound here and there. |
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By (user no longer on site)
over a year ago
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I know OP, I have been recently getting my shit together with regards to saving some money and first thing I noticed was (being someone who enjoys takeaways) how much I spend on them and have cut out a lot of that. Trouble is I have prime and any excuse to get something I want next day seems to be much easier now! Only side benefit is I am slowly saving! Slowly being the key word! |
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