Not too well dreading universal credit benefit our life line atm. Am worried for my family and wish I could split myself in two so I could look after my children and disabled husband and myself as have health issues too and work its hard going
I have a weekly budget that includes the shopping, petrol and electric. Then the monthly bills like rent, car insurance, DD1s school fees etc.
So I know exactly what we need to pay. I start my "financial month" from the tax credit payment and I write out in a notebook the rough idea of how the spending will go for the month (ie paid in, paid out, balance, on each different date.)
Honestly, if you saw my notebook you would just be confused but it makes sense to me.
Its not easy, but we hope it wont be for too much longer!
We're not on benefits but we have a very tight budget (I think). We have £35 a week for groceries including nappies, wipes and household stuff like cleaning products. I shop in Aldi, meal plan very carefully and use a cash envelope system so once it's gone it's gone. We also don't use credit cards.