I know its January but... I've been thinking about it.
I pay my rent by DD, however also have a rent card, so could pay a little extra each month on pay day to that and won't notice it (eg £15-20 as stopped treating myself to coffee/tea when out as bought a flask 😎)
This would mean I could ask for a rent refund from my housing association in December, meaning I only have to pay equivalent of 2 and a half weeks rent, instead of 5.
With 3 kids this would make a big difference and also mean I can afford Xmas treats like the panto. Which I love but haven't taken them to since before lock down due to cost.
I am also trying to save for half for a mortgage so the money could be going into that.
DP would want it going towards mortgage.
I'd be keeping quite and paying it off the rent, for extra family treats over Christmas.
Experiences and memories I had as a child that I don't want my kids to miss.
I have already increase mortgage savings by £35 a month by cutting out other useless spending 😀
YABU - save for the mortgage it's an extra £15-20 a month
YANBU - kids are only kids once save it within the rent account and make memories