to think if I have a spare £400 a month...

[PosieParker]

Martin Lewis can come and bloody well find it because I can't . Just did my budget planner....where is that spare money????

Haa, it's probbly in costa coffee or sainsburys local like my missing cash.

I would like Martin Lewis to come to my house too, I think he's fab!

Though my budget says I have over £1,000 spare a month but I'm still always overdrawn and owe money on credit card and a bank loan so I must be doing something very wrong....actually I think it's because every month this year something big has broken.

I live in hope that if we're careful and we work hard it will sort itself out and as long as I can access money I try not to panic too much.

I do love ML though, him and Evan Davies make me excited about planning. budgeting and money in general.

Budgets are great, so long as the car doesn't need new tyres or your DC don't all outgrow their clothes and shoes at the same time or you don't need to do any DIY to the house/garden.

God knows where mine goes - I religiously put in every conceivable possible expenditure and should by all accounts be rich I tell you.

Sadly I am not. I can only asuume it ends up in the same place as hair clips and odd socks...

I think mine is because I'm self employed and my pay goes up and down, I've just changed what I earn to what I'm currently earning and it's gone down to £557 spare a month.