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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:
ThiagoJones · 25/02/2026 21:16

Is this a joke thread?

Original poster
Reassureme12 · 25/02/2026 20:05

Bearbookagainandagain · 25/02/2026 19:59

You can get a 0% credit card in a few days, if your credit report is good.

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i don’t want one to be honest I really don’t feel the need for one.

OP posts:
Bearbookagainandagain · 25/02/2026 19:59

Reassureme12 · 25/02/2026 15:08

I don’t have one…

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You can get a 0% credit card in a few days, if your credit report is good.

Hedgehogsaremyjam · 25/02/2026 19:59

Reassureme12 · 25/02/2026 19:58

Yeah I’m really good at budgeting for my bills and food etc, it’s all the little extra things. Like I don’t normally buy my aunt birthday gifts but because it’s a big birthday this year I’ve been asked to…I get anxious I know I do, and something else WILL crop up I just know it!! 😫

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This is exactly why you need to do it each month because it is those things that can sink a budget. Start with this month it will reassure you

Original poster
Reassureme12 · 25/02/2026 19:58

Hedgehogsaremyjam · 25/02/2026 19:50

You will have enough money but it does sound like you woukd benefit from budgeting better.

Give every penny a job even if that job is school trip slush fund. Go through your diary and make sure you have budgeted for all birthdays, trips etc properly.

It will give you more security that having a large amount and then a vague list of amounts that have to come from it

Yeah I’m really good at budgeting for my bills and food etc, it’s all the little extra things. Like I don’t normally buy my aunt birthday gifts but because it’s a big birthday this year I’ve been asked to…I get anxious I know I do, and something else WILL crop up I just know it!! 😫

OP posts:
Hedgehogsaremyjam · 25/02/2026 19:50

You will have enough money but it does sound like you woukd benefit from budgeting better.

Give every penny a job even if that job is school trip slush fund. Go through your diary and make sure you have budgeted for all birthdays, trips etc properly.

It will give you more security that having a large amount and then a vague list of amounts that have to come from it

Moonnstarz · 25/02/2026 19:38

Reassureme12 · 25/02/2026 19:30

So I have just remembered that it’s my aunts big birthday so I have to give my mum money towards a gift so that’s another 50 🙄

But you will still have over £450 even gifting £50.
Surely you can see this is rather irrational worrying about not having enough money to last the month when you have £400 for fun. That's more than a lot of people have per month for food.

Original poster
Reassureme12 · 25/02/2026 19:30

So I have just remembered that it’s my aunts big birthday so I have to give my mum money towards a gift so that’s another 50 🙄

OP posts:
Original poster
Reassureme12 · 25/02/2026 19:28

WallaceinAnderland · 25/02/2026 19:25

You have over £500 spare cash after paying for everything and splashing out on a weekend away. That is more than enough. Why do you have concerns?

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

OP posts:
WallaceinAnderland · 25/02/2026 19:25

You have over £500 spare cash after paying for everything and splashing out on a weekend away. That is more than enough. Why do you have concerns?

365RubyRed · 25/02/2026 19:13

You've got more than enough money, stop panicking! I would seriously advise you to get a credit card though, for emergency use, pay it off in full each month.

Original poster
Reassureme12 · 25/02/2026 19:10

WallaceinAnderland · 25/02/2026 18:55

Have you done the maths OP? How much will you have left in your bank account after you have covered all bills, food, birthday present, football boots, savings, hotel, petrol and weekend spending?

Whatever is left is the amount that you have which is not needed for anything else. How much is it?

After my last bill of 80, the hotel, spending money, DD’s boots, 50 for petrol for the month, DD’s pocket money and lunch money, DD’s birthday I should have 525 “left”. Will probably spend a bit getting lunches in work (I don’t always remember to bring lunch, especially when rushing!) there’s always something needed though. School trips etc etc.

OP posts:
WallaceinAnderland · 25/02/2026 18:55

Have you done the maths OP? How much will you have left in your bank account after you have covered all bills, food, birthday present, football boots, savings, hotel, petrol and weekend spending?

Whatever is left is the amount that you have which is not needed for anything else. How much is it?

Original poster
Reassureme12 · 25/02/2026 18:50

I didn’t mean for it to sound like that or be a drip feed I thought I said “I have 1483 LEFT in my bank account” accidentally left out that word. My apologies

OP posts:
Growlybear83 · 25/02/2026 18:38

If your food and bills are taken care of, then why is it an issue? Surely that’s plenty to see you through until the next pay day.

Blushingm · 25/02/2026 18:36

Clarabell77 · 25/02/2026 18:32

Exactly. And she knew full well what she was doing hence the drip feed that all other bills were already deducted.

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My thoughts too!

OP will have over £100 fun money per week which is more than lots of people have for a month.

All get bills are paid 🙄

Clarabell77 · 25/02/2026 18:32

naemates · 25/02/2026 17:10

Playing at poverty is gross OP

Exactly. And she knew full well what she was doing hence the drip feed that all other bills were already deducted.

Moonnstarz · 25/02/2026 18:26

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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Well you need to stop putting so much into savings you cannot access it it causes you worry! I am sure a lot of people would like to be in a position of putting money into long term savings. You cannot claim you aren't sure you will be able to fund the month when 1. You are going away for a weekend and 2. You have money in savings.

Also most savings you can withdraw....it will obviously mess up any interest but if that desperate you could withdraw it.

Original poster
Reassureme12 · 25/02/2026 17:39

Moonnstarz · 25/02/2026 17:26

So it's not savings then...
Maybe you need to be clearer with your money and also save in advance for weekends away.

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

OP posts:
Instructions · 25/02/2026 17:34

All your essential costs are met. You are not worrying about paying rent/mortgage, bills, for food. Yes. You have plenty. You will be fine.

Ophy83 · 25/02/2026 17:33

If you've got savings and you've already got food what is the problem? You've got enough to see you through to payday and if an unexpected emergency arises that is what savings are for if necessary

Nursemumma92 · 25/02/2026 17:29

I think you'll survive... 🙄

Moonnstarz · 25/02/2026 17:26

Reassureme12 · 25/02/2026 17:22

I can’t dip into the savings that’s for car insurance etc. not on the bones of my arse no but still have to make it work. Maybe I’m catastrophising yeah…

So it's not savings then...
Maybe you need to be clearer with your money and also save in advance for weekends away.

Original poster
Reassureme12 · 25/02/2026 17:22

I can’t dip into the savings that’s for car insurance etc. not on the bones of my arse no but still have to make it work. Maybe I’m catastrophising yeah…

OP posts:
NoisyViewer · 25/02/2026 17:20

if I was you, I’d be putting money aside when you can so when things fall like this again you can have the reassurance of a safety net, you’ll be fine but you could save yourself all this anxiety

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