Page 3 | 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 🙌🙌

TheGoogleMum · 22/03/2025 12:41

Payday isn't till Thursday and we're in our overdraft

Original poster

Loveduppenguin · 22/03/2025 12:38

DontWheeshtMe · 22/03/2025 12:37

What about
water and
council tax

and what’s the bin charge…I’ve never heard of that

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

OP posts:

LondonFox · 22/03/2025 12:38

30k in savinga and 300 on my debit card as I don't like keeping anything more than 500 there.

DontWheeshtMe · 22/03/2025 12:37

Loveduppenguin · 22/03/2025 12:16

Yeah it’s not too bad

the 1483 goes to…
300 food
240 fuel
200 savings
50 kids clubs/school trips etc
100 treats/coffees/takeaways
100 clothes/shoes
50 birthdays/gifts
50 prescriptions/medicines
150 holidays/trips (either as a payment off a booking or as savings)
I know this essentially leaves over 243 but it gets eaten up somewhere usually and if not like this month it’s put into savings.

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What about
water and
council tax

and what’s the bin charge…I’ve never heard of that

thebear1 · 22/03/2025 12:36

£30 in personal spends, but in the 2 accounts we use for bills and general expenses about £900 between the 2. Get paid Wednesday. No council tax or water rates has helped those 2 accounts.

IShotTheDeputyItWasMe · 22/03/2025 12:36

Zippidydoodah · 22/03/2025 11:19

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

Yes. I think ours is divided over 10 months. Never notice the savings on the other 2 months though.

Original poster

Loveduppenguin · 22/03/2025 12:25

Busyquaver1 · 22/03/2025 12:22

Currently sat in a play centre while dc playing buying over priced drinks and chips with my last £30 pay day Monday.

Enjoy ☺️

OP posts:

Busyquaver1 · 22/03/2025 12:22

Currently sat in a play centre while dc playing buying over priced drinks and chips with my last £30 pay day Monday.

Original poster

Loveduppenguin · 22/03/2025 12:19

Istilldontlikeolives · 22/03/2025 12:15

But some people might have 50p in their current account and £10000 in savings so whats the point of asking?

I don’t class those kinds savings as a part of the monthly budget though…as in to me in my head “they are not there to spend on average monthly needs” that’s just me. I have to separate them unless for true emergencies.

OP posts:

JudgeJ · 22/03/2025 12:17

whattheladybirdherd · 22/03/2025 11:53

£6. Payday is Tuesday. Luckily I work Monday and both my children are in nursery, so will do the shopping on Tuesday.

This is where cheques came into their own, they took 4 or 5 days to hit the account!

Original poster

Loveduppenguin · 22/03/2025 12:16

Chungai · 22/03/2025 12:15

1483 for food, fuel and savings is pretty good TBF.

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Yeah it’s not too bad

the 1483 goes to…
300 food
240 fuel
200 savings
50 kids clubs/school trips etc
100 treats/coffees/takeaways
100 clothes/shoes
50 birthdays/gifts
50 prescriptions/medicines
150 holidays/trips (either as a payment off a booking or as savings)
I know this essentially leaves over 243 but it gets eaten up somewhere usually and if not like this month it’s put into savings.

OP posts:

Chungai · 22/03/2025 12:16

I have £317 BUT when I last was paid I had savings of £500, meaning I've eaten into that heavily.

I do have expenses of £100 or so to claim back.

It's been an expensive month by my standards so will need to cut back next month.

Istilldontlikeolives · 22/03/2025 12:15

But some people might have 50p in their current account and £10000 in savings so whats the point of asking?

Chungai · 22/03/2025 12:15

Loveduppenguin · 22/03/2025 10:05

I couldn’t do this at all 1k left! I used to but I’m separated now and have a huge rent to pay

In -2750
CB-280
Benefits-177

Total: 3,207

Rent 1400
Electricity 120
Life insurance 40
Internet/tv/2 phones 86
Bin charge 23
Apple 20
Disney 10
DS club 25

Total 1,724
Leftover 1,483

the 1483 is for food, fuel, savings and everything else.

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1483 for food, fuel and savings is pretty good TBF.

JudgeJ · 22/03/2025 12:15

We used to get paid in July for July and August, we ate a lot of beans in the last couple of weeks in September, especially if we had managed to go on holiday in August!

StrangeSenseOfCalm · 22/03/2025 12:13

My payday is Thursday and I have £49.08.

Original poster

Loveduppenguin · 22/03/2025 12:12

EmeraldShamrock000 · 22/03/2025 12:09

Overdrafts are a blessing and a curse.

I don't have one as I'd use it for days when things are tight.

Missing a direct debit is a €20 euro charge

I understand how people get trapped in the overdraft cycle too.

Yes I’m the same, I’m good with money but I don’t have an overdraft or a credit card because I just don’t 100% trust myself to justify using them unfortunately.

OP posts:

LottieMary · 22/03/2025 12:10

Payday Friday and we have just under 350. Really pleased as we’ve made a real effort this month to have some left to save

EmeraldShamrock000 · 22/03/2025 12:09

Overdrafts are a blessing and a curse.

I don't have one as I'd use it for days when things are tight.

Missing a direct debit is a €20 euro charge

I understand how people get trapped in the overdraft cycle too.

Zippidydoodah · 22/03/2025 12:06

Sunshineandrainbow · 22/03/2025 11:21

Yes you can contact your local council and they will do this. Once my daughter is out of education and we don't get single occupancy discount I will do this

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I will do this. Thank you. Just makes it easier to budget!

Zippidydoodah · 22/03/2025 12:04

Regretsmorethanafew · 22/03/2025 11:25

Payday 30th. About 12k in the current account

How much do you get each month? (Nosey!)

MaleficentQueen · 22/03/2025 11:56

I literally have a few quid. I don’t get paid until Friday, but it’s SMP, so as soon as it hits, it’s gone, as it’s wiped out by my bills.

Maternity Pay is so much fun - NOT. How they expect us to live on so little, I do not know. It’s literally less than Minimum Wage.

The Child Benefit helps a bit, but once the nappies, wipes, clothes (if needed), and formula are purchased, there’s not much left, is there?

AdoraBell · 22/03/2025 11:53

Only tumble weeds in my account until April.

whattheladybirdherd · 22/03/2025 11:53

£6. Payday is Tuesday. Luckily I work Monday and both my children are in nursery, so will do the shopping on Tuesday.

Tiredalwaystired · 22/03/2025 11:52

About the same as you, OP. Feeling quite flush! I think it’s because of the shorter month!