to ask how you budget/manage your money

[Purplesquare]

-nc but am a regular-

Tomorrow is payday. And Before the money hits my bank I want to get advice on budgeting. DH and I get paid at slight different times but on the whole, we take money required for direct debits from our individual bank accounts, plus an agreed amount each to spend as we wish throughout the month, aswell as bits that are needed such as milk, bread etc. Any money above this is put into our joint account which is used for food shopping, extra bills and savings etc.

For the last few months, I always end up skint by the end of the month. So today, I have no money. Have had no cash since Monday.

So, what is the best way to budget? I'm an impulse buyer. I will think "Oh, it's just a few pounds" and before I know it I've gone in for something for a few pounds and have spent £10 or so.

Well how's everyone doing.
I've had to do a big shop as I was run ng out of everything.Plus me and Dp needed new shoes and clothes. That's another €100.But I'm keeping all my receipts and I'm really thinking about the pennies.So e even if this month I don't save a lot it's making me think about what I can save next month.

I have a pre-paid debit card which links to an app. It itemises everything I've spent. You can set a budget and it will let you know if it thinks you've spent it too fast. Because it's pre-paid it comes off instantly and you can see it in the app straight away - not like a debit card where you have to wait days for it to show up.