I’m a single mum, 3 dc, professional job for 30 hours per week (increasing hours to earn more is cancelled out financially by higher childcare costs)
I’ve started using You Need A Budget (YNAB) and this has been brilliant at making me think about what our costs actually are. However it has also highlighted how little spare there actually is.
I can feed, clothe, house us etc but there is very little left over for fun stuff, for anyone. I would like to be able to get us all a hot chocolate when we are out or every so often get the kids a magazine as a treat. So I don’t need to pull in megabucks more but just a little.
Any ideas?
(I’m already eBaying like fury and I’ve done a good cleanse of our bills- switched utilities/ made sure we are taking packed lunches not using school/work canteen etc)