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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

I know IBU but just reassure me!?

111 replies

Reassureme12 · 25/02/2026 15:05

So I have 1483 in my bank account. It needs to last til march 24th (next payday). Normally it’s not an issue but I need to spend 420 of this on a hotel and need spending of probably another 200-300 for that same weekend.(which is at the end of the month!
So that leaves about 760.
I need to buy dd new football boots. Probably around 20-30 for them.
it’s DD’s birthday and so I’ll need to get her gifts (another 100 I’m thinking)
god knows what else will crop up.
I also need to get petrol for my car from this.
tell me I’m not leaving myself short. I know I’m not I just hate thinking I’ll run out. What way would you manage it?

OP posts:
Original poster
Reassureme12 · 26/02/2026 12:48

ThiagoJones · 26/02/2026 12:46

I think she means ‘something big coming up’ like ‘a night out I can’t say no to’ rather than an emergency, based on her posts.

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No I don’t really go on nights out, I don’t drink.

OP posts:
ThiagoJones · 26/02/2026 12:46

Nursemumma92 · 26/02/2026 12:01

But you keep going on about something big coming up- surely you mean like an emergency cost.

My whole salary I'd £1500 a month and there's not a penny left by the end.

You are allowed to worry even though people have less but surely you must see that this is beyond distasteful.

If you were that worried you'd remember in your rush for work to make a packed lunch.

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I think she means ‘something big coming up’ like ‘a night out I can’t say no to’ rather than an emergency, based on her posts.

Nursemumma92 · 26/02/2026 12:01

Reassureme12 · 26/02/2026 06:52

But that is savings it’s not there for weekends away it’s there for big emergencies.

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But you keep going on about something big coming up- surely you mean like an emergency cost.

My whole salary I'd £1500 a month and there's not a penny left by the end.

You are allowed to worry even though people have less but surely you must see that this is beyond distasteful.

If you were that worried you'd remember in your rush for work to make a packed lunch.

Theyreeatingthedogs · 26/02/2026 11:17

Reassureme12 · 25/02/2026 17:39

Well long term savings can’t be accessed immediately…but my savings that I can access are designated for certain annual costs.

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That's not savings. It's long term budgeting. Savings are for things you can't specify or need.

Livpool · 26/02/2026 10:55

Reassureme12 · 25/02/2026 21:28

No, why would it be a joke. Are people not allowed to worry about money?!

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Not when they have loads! You’ll have over £100 per week left as ‘fun’ money

Moonnstarz · 26/02/2026 06:55

Reassureme12 · 26/02/2026 06:52

But that is savings it’s not there for weekends away it’s there for big emergencies.

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The you shouldn't have booked a weekend away. Same as anyone else.
If you now think the hotel and costs of the weekend are going to be too much you weigh it up against the flight costs and then say actually we will just lose the flight money as we will then save more by not going.
I see plenty of people who have to cancel holidays because of changes in circumstances in various holiday groups. Else instead of a hotel look at youth hostels. A lot have kitchens so you can then self cater which might be cheaper.

Original poster
Reassureme12 · 26/02/2026 06:52

Moonnstarz · 26/02/2026 00:55

But you do have money, you just don't want to access it. That's why YABU. If you were desperate you would have to dip into long term savings. The bank can't stop you, you just lose the interest or bonus. The money is still yours!

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But that is savings it’s not there for weekends away it’s there for big emergencies.

OP posts:
Moonnstarz · 26/02/2026 00:55

Reassureme12 · 25/02/2026 21:49

So because others have less I can’t worry…sorry I didn’t get that memo.

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But you do have money, you just don't want to access it. That's why YABU. If you were desperate you would have to dip into long term savings. The bank can't stop you, you just lose the interest or bonus. The money is still yours!

PinkIcedRing · 25/02/2026 22:36

Almost fractured my eye sockets rolling them at this.

Newyearawaits · 25/02/2026 22:27

Reassureme12 · 25/02/2026 15:39

Technically I can afford it. I have paid all my bills and put my savings away. This is my money leftover pretty much. I just HATE cutting it down close.

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Alot of people live their life on the edge financially. Additional financial expenditure can happen to anyone.
You have more than most

rudeignoramous · 25/02/2026 22:22

ThiagoJones · 25/02/2026 21:16

Is this a joke thread?

It’s not even funny! Imagine people reading this thread who literally are counting pennies to pay their bills,feed their children!
OP you are either taking the piss,stupid or unable to read the room .
I have just finished a twelve hour shift working with people who do actually have dire financial problems!

Watchoutfortheslowaraf · 25/02/2026 22:06

So you have £500 left and a savings account and a long term savings account? I can’t see how you wouldn’t be fine.

I agree with the others about getting a credit card. It’s handy for booking holidays or for extra big purchases because of the extra protection and it boosts your credit rating. Then you have it if you do have an emergency payment if you need it

Maisey1991 · 25/02/2026 22:01

Where are you going that needs so much spend? Be frugal and limit the spend - what can you take to reduce the spend?. DONT get a credit card I’m shocked at how frivolous some people are suggesting that so many people rack up 1000s on them. Also could you get DD something and then something else next payday? I’d also advise following financelle podcast and instagram for some good money management skills I’ve learned so much with them!

somanychristmaslights · 25/02/2026 21:58

Reassureme12 · 25/02/2026 19:28

It just always ends up that something crops up and then I’m left with hardly anything in the last week or so. Maybe I’m being overly anxious, money just makes me anxious

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Then spend it better 🙄

ThiagoJones · 25/02/2026 21:54

If you know you’re being unreasonable, why post in AIBU? Post in chat or something, maybe someone will be able to give you some tips for your anxiety?

Original poster
Reassureme12 · 25/02/2026 21:50

Happytaytos · 25/02/2026 21:33

Is this some sort of shitty stealth boast?

Youve got plenty of money. If you're really that stuck, don't book the hotel. But really this reads like you can't budget at all. Why would you buy lunch if you have no money? You'd make a pack up. You don't know the meaning of no money.

The hotel is booked, the flights are booked and paid for I can’t back out now. I said I knew IABU but I can still be anxious…

OP posts:
Original poster
Reassureme12 · 25/02/2026 21:49

SleepyHollowed84 · 25/02/2026 21:30

Do you realise some people have to live off £1500 for EVERYTHING in a month and you’re upset at 700+ fun money?

So because others have less I can’t worry…sorry I didn’t get that memo.

OP posts:
Happytaytos · 25/02/2026 21:33

Is this some sort of shitty stealth boast?

Youve got plenty of money. If you're really that stuck, don't book the hotel. But really this reads like you can't budget at all. Why would you buy lunch if you have no money? You'd make a pack up. You don't know the meaning of no money.

SleepyHollowed84 · 25/02/2026 21:31

Reassureme12 · 25/02/2026 21:28

No, why would it be a joke. Are people not allowed to worry about money?!

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People are allowed to worry about money when they might literally run out.

you, my friend, are not going to.

ThiagoJones · 25/02/2026 21:30

Reassureme12 · 25/02/2026 21:28

No, why would it be a joke. Are people not allowed to worry about money?!

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Yeah definitely, if you’ve got cause to worry about money.

SleepyHollowed84 · 25/02/2026 21:30

Do you realise some people have to live off £1500 for EVERYTHING in a month and you’re upset at 700+ fun money?

Original poster
Reassureme12 · 25/02/2026 21:28

ThiagoJones · 25/02/2026 21:16

Is this a joke thread?

No, why would it be a joke. Are people not allowed to worry about money?!

OP posts:
ThiagoJones · 25/02/2026 21:28

user2848502016 · 25/02/2026 21:24

paypal pay in 3 is good for spreading out things like birthday presents.
Does she absolutely need the football boots this month or could they wait until after payday?

She’s got enough money for football boots and birthday presents.

Original poster
Reassureme12 · 25/02/2026 21:27

user2848502016 · 25/02/2026 21:24

paypal pay in 3 is good for spreading out things like birthday presents.
Does she absolutely need the football boots this month or could they wait until after payday?

Yeah she really needs them, I have ordered them tonight. Her training season has started up again and she would damage her feet if she wore them again. We only realised a few days ago

OP posts:
user2848502016 · 25/02/2026 21:24

paypal pay in 3 is good for spreading out things like birthday presents.
Does she absolutely need the football boots this month or could they wait until after payday?

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