If payday is Monday?…

I had £22.73 n my account the day before payday. I do have an overdraft and savings if needed. Plus I tend to use my cc and pay balance in full . It’s usually due about a week after pay day.

Payday is Tuesday. We have approx £800 in the current account and Whats left bY Monday night will move to savings.

we’re late 40s though now so much better off than the childcare years when we’d be down to the last couple of pounds.

£132 until Mon eve. We'll be fine, going out for dinner tonight too. All bills paid from another account.

About £300 in savings. We're a single income family at the moment so will start saving once I go back to work later this year.

Payday’s Monday and I’m negative £200… again.

Oh I see. Neither of us are in receipt of UC so it's never crossed my mind! Sending money into the joint account used to be a hassle but we worked out just waiting until the 1st of the month was cleanest.

Payday 30th. About 12k in the current account

We are like this and tend to only bother transferring to a separate savings account if we know we won’t just need to take it back out again after a couple of months.
So at the moment we’ve a big surplus but next month we will pay for holiday clubs for half term plus some annual renewals and May we will be paying for spending over Easter holidays and some car expenses so we won’t send surplus off to savings till we see how account looks in June.

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

Payday is the 4th and I have £125
I need to do a big shop on Monday so that'll be wiped out, fun times

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

pay day 31st current account £531
we went away at the beginning of the month so low on funds this month

Got paid yesterday and had £81 the day before. Have upped pension contributions last few months and this is the first month I haven't had to transfer from savings to compensate. Very spendy few months coming up though.

£352 but both DH and I are out today so I anticipate it will be about £250 by Monday. Haven’t saved this month as we have done a city break for 3 nights for which the costs have all come out of our current account. We didn’t scrimp on anything so it was pricey but I’m not going to tot it up🫣

Exactly.
Someone could have no cash, but a big asset. More people are home owners in the UK than are not.

Joint account is looking very healthy but we've put a few things on C/C this month for the section 75 protection so it won't be so happy when we pay that.

My personal account has £12.67 which I'm going to blow on cake today while my daughter is doing her dance class. 🤣

Sorry for people who are struggling. X

Get paid this coming Friday, have about £100 left, DH not paid till 31st and has about £10 in his account. We have about£200 in the joint account and have 1 week shop and a petrol top up to do.

Oh to add- i do have £128 in my Christmas account which i try not to touch (but generally do) and about £1800 in the holiday account which I am about to use to pay airfares to my home country to see a very ill parent before a major operation. So i am not skint as such- just there is not alot of wriggle room right now. The VAT on school fees is costing us an extra £640 a month and it's fair to say we have noticed it.

I've just spent the last year paying down a £4500 overdraft so my numbers look worse than they really are. Last month, I cleared it completely (and removed the facility 😀). I get paid in a week and have £140 left in there.

I'm working hard to clear down debts, so calculate my expenditure to only leave me £90 a month to myself.

I do stick £3800 into a joint account to cover all bills, which is roughly £600 over the cost of the bills - if that counts for anything! But we do spend that money on days out with the kids and the never-ending plethora of kids clubs!

Last day of the month is pay day at my company. At dh's last job, he was paid on the 15th of the month which worked well for us because I was paid at the end. So we had money coming in fortnightly so we weren't caught short.

Us older ones will remember when you could cash a cheque in a different branch to where you held your account and it took 3 days for cash to debit as the cheque went through the clearing cycle.

Pay day is 31st
Am overdrawn by about £300 due to £400 car bill, and £250 owed by the parent of a tutee.
I am 65 and can never stop working.

My payday is 31st however I'm in the last month of mat leave so I didn't get paid. I have £32 left of what my husband sent me 😂

My payday is the 1st of every month. I have £203 left and £278 on my credit card.

I'm paid on 25th and now, in my 50s, I am fortunate enough to no longer have to consider payday timing. In my 20s and most of my 30s, I was in negative territory before every payday. You are doing well Op.

The Paypal tip made me chuckle. In my 20s, I would use cheques at the supermarket in the last 3 days. If you asked for cashback on top, the cheque guarantee card swipe wouldn't go through- so I would volunteer to do a lunch sandwich run for work colleagues and get cash off them for the pub in the evening.