I have started budgeting for the first time in my life. Theoretically this should lead to me saving loads of moneys.
Otherwise, training stuff. Potentially looking into a career move.
( Kroney, Wed 31 Aug 2011, 17:25, 1 reply, 14 years ago)

I literally HAVE to start doing this.
It's my last chance to prevent my entire world from collapsing.

Woo.
( Monty Boyce, My cheese game is strong, Wed 31 Aug 2011, 17:30, Reply)

Try moneysavingexpert.com
they have a useful budgeting tool, it's a little pianful to fill in, but will show you where you can save

www.moneysavingexpert.com/banking/Budget-planning
( Naked Ape call me Caitlyn, Wed 31 Aug 2011, 17:31, Reply)

I have a useful budgeting tool, too.
It's a calculator. I use it in conjunction with my bank statements. I feel very smug for having worked this out on my own.
( Kroney, Wed 31 Aug 2011, 17:34, Reply)

Alright smart arse, but lets be honestl Monty needs all the help he can get

( Naked Ape call me Caitlyn, Wed 31 Aug 2011, 17:36, Reply)

When I was single
I opened a second current account, and transferred enough of my pay to cover the bills into it each month. The other account was then for food and day to day living costs, nights out etc, so I knew exactly how much disposable income I had each month. I still maintain this system now.
( Davros' Granddad a voice of calm reason in a world of spastics., Wed 31 Aug 2011, 17:43, Reply)

I'm basically doing this, but in reverse.
Budgeting to a set amount and transferring the rest out.
( Kroney, Wed 31 Aug 2011, 17:45, Reply)

Sounds sensible.

( Davros' Granddad a voice of calm reason in a world of spastics., Wed 31 Aug 2011, 17:48, Reply)

That works fine
unless you have an unstoppable addiction to the most expensive illegal drug in the world.
( Monty Boyce, My cheese game is strong, Wed 31 Aug 2011, 17:50, Reply)

Fortunately, I don't.

( Davros' Granddad a voice of calm reason in a world of spastics., Wed 31 Aug 2011, 17:50, Reply)

Phew.

( Monty Boyce, My cheese game is strong, Wed 31 Aug 2011, 17:51, Reply)

I noes rite?

( Davros' Granddad a voice of calm reason in a world of spastics., Wed 31 Aug 2011, 17:52, Reply)

My IVA application involves a full budget.
Reading it makes me want to kill myself.
( Monty Boyce, My cheese game is strong, Wed 31 Aug 2011, 17:36, Reply)

I can imagine
i should really budget better, but i like booze and eating out too much
( Naked Ape call me Caitlyn, Wed 31 Aug 2011, 17:37, Reply)

Same here, I calculated, with my calculator
that I pissed away nearly four hundred pounds a month of bits and pieces. Nothing stuff.

That's a fucking depressing realisation, right there.
( Kroney, Wed 31 Aug 2011, 17:41, Reply)

leave your cards at home
only carry the amount of cash you can afford.
( Citizen Cavy Admires your passion for conformity, Wed 31 Aug 2011, 17:42, Reply)

a budget is fuck all use if you have no self control
it becomes a tool by which you can quantify how miserably you are failing.
( Vipros. clever got me this far, then tricky got me in, Wed 31 Aug 2011, 18:14, Reply)