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Drawing up our home budgets - what am I forgetting???

(11 Posts)
HonoriaGlossop Thu 24-Jul-08 13:33:08

trying to get on top of bloody money, as I never feel organised enough....always chasing our tails come payday and I hate it! I hate feeling disorganised!

So what do you do to keep on top of things?

I have a list of all our direct debits and know how much we spend on food and petrol per month (well till it all goes up again I do) and incomings etc so I know roughly what we're looking at

So what expenses am I forgetting to allow for here?

I know I need to allow for the car; service, MOT, Tax....birthdays and Christmas....anything else?

TIA for any thoughts!

bythepowerofgreyskull Thu 24-Jul-08 13:34:33

insurance,
lunches
pocket money

HonoriaGlossop Thu 24-Jul-08 13:37:00

insurance taken care of in direct debits
lunches taken care of in food allowance
pocket money: YES, good one, hadn't allowed for that

thanks greyskull this is helpful!

herbietea Thu 24-Jul-08 13:38:19

Message withdrawn

bythepowerofgreyskull Thu 24-Jul-08 13:38:29

do you allow for grown up pocket money
the odd couple of quid here and there?

toddler groups (don't know how old your kindlings are)

Chocolateteapot Thu 24-Jul-08 13:39:20

Clothes/shoes/haircuts/medicine/emergency fund in case boiler blows up

MrsBadger Thu 24-Jul-08 13:40:06

school trips
scout subs / ballet lessons

Nickinha Thu 24-Jul-08 13:41:28

water/electricity bills

HonoriaGlossop Thu 24-Jul-08 13:41:35

herbie thanks - we use pay as you go probably £40 a month between us angry bloomin' phones

blush grown up pocket money definitely a hidden cost, take the card and just buy little bits here and there, magazine etc, it all adds up......v v good idea to put it down as a cost and keep to a budget

guys this is so helpful!

HonoriaGlossop Thu 24-Jul-08 13:43:27

water bills - done by D/D
School trips - yup, another hidden cost! No subs as yet, ds won't go to clubs smile
Clothes: hidden cost at mo
Haircuts: Ditto!
Medicine: Ditto!
Emergency fund: I know, I know blush

temmy99 Thu 24-Jul-08 13:45:11

Medical
grooming (salon/haircuts)
household contigency (emergencies)

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