Page 2 | If payday is Monday?…

Loveduppenguin · 2025-03-22T08:51:06+00:00

How much have you got left in your current account? If payday is Monday? I think I’m doing quite well with 141.36 😅 Single parent trying hard to save more so I’m thrilled 🙌🙌

Hmm1234 · 23/03/2025 19:23

Bollindger · 22/03/2025 09:22

Tip I founded out.
Lots of places let you use PayPal.
It takes 2 days to clear...
Uber do food lots like Iceland do half price veg on a Monday, if you stock up you save. If you invite friends they give you both money off. £12.
Then then send you lots of spend £15 get half price ECT. It actually starts to add up , I save £100 this way last month.

Does this still work really? So I could order a takeaway meal a few days before payday without enough funds in the bank and it will go through?

Single50something · 23/03/2025 18:30

Usually v little. And if payday was Monday I'd be hoping any weekend spending wouldn't hit my bank till Monday.....

Izyboo · 23/03/2025 18:12

23p, payday not for another 8 days. That's with borrowing £20 from my mum to get some food in.

Having to be very creative. Husband also stopping at his sisters to save fuel commuting 120 miles a day. Been a really tough few months since he lost his good job. I can't get any more hours and eldest isn't fully qualified till June.

Proper crap at the minute.

HappySheldon · 23/03/2025 14:25

I'm paid on the first and my dds come out on the third to fifth depending on what they are. Problem has arisen when the 1st falls on a Saturday and funds therefore go in on the Monday after dds come out automatically. That's why i have an overdraft. Insurance policy essentially!

My current account if frequently that low because everything is very finely balanced I am afraid.

Zippidydoodah · 23/03/2025 14:24

Thank you @Loveduppenguin !

Also thank you for the thread! 😁

Original poster

Loveduppenguin · 23/03/2025 14:07

MidnightMeltdown · 23/03/2025 13:37

I would never let my current account drop below £100 as I would be too worried about an unexpected payment going out! If I didn’t have it ‘left’ I would transfer it out of savings.

All my dd’s come out in the first few days after payday. This wouldn’t happen me at all.

OP posts:

MidnightMeltdown · 23/03/2025 13:37

I would never let my current account drop below £100 as I would be too worried about an unexpected payment going out! If I didn’t have it ‘left’ I would transfer it out of savings.

Toddlerteaplease · 23/03/2025 13:18

I have no overdraft and nothing on my credit card.

Toddlerteaplease · 23/03/2025 13:18

Payday is Wednesday and I have £160

Original poster

Loveduppenguin · 23/03/2025 11:59

Zippidydoodah · 23/03/2025 10:01

On the back of this thread, I’ve just reduced my overdraft facility from £1000 to £500! This will also help me budget, as I seem to see that overdraft as money to spend 🙄 I might see if I can reduce it further next month!

Edited

You can do this!! ☺️

OP posts:

Zippidydoodah · 23/03/2025 10:01

On the back of this thread, I’ve just reduced my overdraft facility from £1000 to £500! This will also help me budget, as I seem to see that overdraft as money to spend 🙄 I might see if I can reduce it further next month!

StrongasSixpence · 22/03/2025 22:51

I have around £2k in my current account but £1,700 credit card balance (paid each month) so around £300 net I suppose. Paid on Monday and credit card DD comes out around a week after payday. We went on holiday so CC bill higher than usual as it's generally between £800-1,200 most months. I aim to keep around £1k float in my current account most of the time and transfer anything excessive into savings.

I'm very fortunate though through a combination of luck and choices. Total income is around £3,500 and household bills are around £1,100 (mortgage, utilities, insurance etc). No children. £600 goes to savings on payday and extra is saved when less spendy months result in higher current account balances.

Cornishclio · 22/03/2025 19:56

We have several different streams of income now we are retired. I tend to move money over to savings the day before and how much this is varies enormously. Average is a few hundred though.

Newname71 · 22/03/2025 19:18

Zippidydoodah · 22/03/2025 11:19

Is there a way to divide council tax over 12 months?

I do mine over 12 months 😊

tilypu · 22/03/2025 17:43

My payday is Friday and I've got £1524. Which sounds great - but this payday is going to be really rubbish so I'll need it to see me through till the end of April.

Ilovecakey · 22/03/2025 17:36

moomoo1967 · 22/03/2025 10:49

This sounds good however prices on Uber eats are already inflated you aren't getting 50% off in-store prices so you're paying over the odds

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It's still cheaper than in the shops whdn it's half price I've checked

Regretsmorethanafew · 22/03/2025 16:56

Loveduppenguin · 22/03/2025 14:47

is there anyone who isn’t paid monthly or is that standard now?

Lots of people are not paid monthly.

claudiaswinklemen · 22/03/2025 15:49

Payday will be Friday I think (normally paid on penultimate day of month). £10537. This thread has given me a lot to think about.

Original poster

Loveduppenguin · 22/03/2025 14:47

is there anyone who isn’t paid monthly or is that standard now?

OP posts:

Bogginsthe3rd · 22/03/2025 13:59

£3.5k

Regretsmorethanafew · 22/03/2025 13:26

Loveduppenguin · 22/03/2025 11:34

Why would you keep this in your current account? I keep my savings in a savings account? I would have to transfer it out. 😆

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I put 800 a month into savings anyway and I've some big expenses coming up over the next few months

EmeraldShamrock000 · 22/03/2025 13:02

Do pensioners still get free fuel, my grandad used to get brickets delivered for free. Plus free TV licence ( which we’ve lost now )

Yes, there is a household package, it includes heating allowance 600 euro, TV licence, medical card, there is also a living alone element.

I think it is means tested, it is for carers, though our threshold is very high, they don't strip pensioners for having savings or pensions.

Nor do they take their home for care needs, we have a fair deal scheme, I think it is 8% of the property value and weekly pension, plus you can rent out the property while the person is in care, if they've a spouse at home, house isn't cashed in until they die.

We've an old politician to thank, she deserved praise for that scheme, its going 25 year.

Eastie77Returns · 22/03/2025 12:55

I currently have £929 left and I get paid on Tuesday.

Original poster

Loveduppenguin · 22/03/2025 12:44

DontWheeshtMe · 22/03/2025 12:42

So that’s what the bins is about then….that makes sense
Do pensioners still get free fuel, my grandad used to get brickets delivered for free. Plus free TV licence ( which we’ve lost now )

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Yeah we pay for bins to private companies.

im unsure about free briquettes, but there’s probably something.

OP posts:

DontWheeshtMe · 22/03/2025 12:42

Loveduppenguin · 22/03/2025 12:38

I’m in Ireland we don’t have council tax or water.

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So that’s what the bins is about then….that makes sense
Do pensioners still get free fuel, my grandad used to get brickets delivered for free. Plus free TV licence ( which we’ve lost now )