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AIBU?

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Original poster

To ask for help NOT spending money!

34 replies

wetfloor1 · 23/01/2026 17:26

It’s pay day today. I have transferred my portion of the bills to the joint. I have put a small amount into my savings. I have 1840 left. I want to save 1k of this! What do you think? Do I lover it into savings now…or do I leave it there. It’s easily accessible even in savings and I’ll be annoyed with myself if I have to move it back! Wwyd? Am I being realistic? Appreciate this is a first world problem. Just looking for opinions.

OP posts:
Isekaied · 23/01/2026 19:09

I think you have 2 extra accounts

One which is the savings then a dip into account

Maybe transfer £800 into savings

And £200 into the dip into account.

And depending on how much is in the dip into account maybe next month you could transfer the full £1000 into savings

bridgetreilly · 23/01/2026 19:07

Make an actual budget.

Vaxtable · 23/01/2026 19:07

i transfer my savings to a restricted access account, maybe do that or a notice account, both make it more difficult to dip into

edited to add that I have it at a different institution to my main account. That way I ‘forget’ about it

itsthetea · 23/01/2026 19:03

Take a flask and a pack lunch

car - how much?
prescription ? One or two items ?
haircut - again you know that cost

tax and insurance - divide the total by 12 and save that separately

sounds like a couple of hundred on essential stuff, so have a couple more hundred for fun stuff and nuts and pieces

Original poster
wetfloor1 · 23/01/2026 18:53

And also any coffees, lunches etc that are for me.

OP posts:
Original poster
wetfloor1 · 23/01/2026 18:26

From this I need to pay for
car fuel
save a bit car car tax and insurance
I have 2 dc so anything for them too.
I do need to get a haircut for me and dd
my medication.

OP posts:
cheeseonsofa · 23/01/2026 17:37

Have you done a realistic budget for everything else?
All your outgoings for the month/ year

Transport
Food
Haircuts
Yearly expenses
Car tax, insurance,servicing?
Clothes
Shoes
Kids stuff like uniforms
Dentist?
Glasses?
Christmas/ Birthdays

Rainy day/ emergency fund?

I use Monzo pots and work out how much goes into each pot
Eg yearly expense ÷12
Then savings

Then work out treats/ personal spends
Generally people who dont budget tend to lurch from month to month and end up spending everything or worse dipping into savings

itsthetea · 23/01/2026 17:35

If all bills including food and transport are covered I would stick 1 to 1.5k straight into savings

one approach would be to save big and see how the month goes and then revise next month

if it’s not in savings i suspect you will spend it !

Evaporateandlisten · 23/01/2026 17:28

Not enough information.

What comes out of that account?
What do you need to buy?
What are you spending on?