To ask if you will be skint in January?

[Freco010]

I’m just doing my budget for January and wondering if most people will be skint in January or do you budget and it’s not a problem?

Nope. Thank god.

We won't be skint in January, first time for a long time.

No, thank goodness!

Luckily not skint, but will be having a cheap month to make up for what has been spent.

Yes. Big-time.

No,put my early pay into a seperate account until Monday.
I alwats try to pay from my current account for Christmas so no nasty credit card bill either.

Just got paid today surprisingly so no thank god!!

No, but it will be for the first time in about 15 years.

Not particularly. Had bought most things before my Christmas Eve pay and had some overtime in it. I’ve got a big pay due end of jan though.

January isn’t normally too bad for us. I spread the cost of Christmas through the rest of the year, plus I avoid the sales (there are regular sales now anyway).

No.

Yep waiting for a UC dispute to be rectified so i cant pay my rent literally not a penny to my name til monday. Even then havent got the money to pay the rent trying to look on the bright side if there is one

Yes. But expected so just having a quiet month.

No different to usual
I fund Xmas via eBay sales
I never have much spare cash as I work for a charity and am lone parent/main wage earner

Nope, we don’t get into dept for Christmas and I’ve always been a great saver. I fully appreciate it’s not the same for everyone & lots of homes are struggling financially.

We are skint every month

Not skint exactly but got a budget and some goals to stick to. Didn’t realise my last maternity pay was November and maternity leave doesn’t end till early Jan so got to be careful.

Smeghead90 I’m sorry to hear that, sounds such a worry

Well, I was having a moan at not being paid early in December as all the companies I’ve worked for paid me before Christmas. I won’t get paid until Monday now, but actually I’m starting to think it’s a good thing as I won’t be short.

Nope, I'm self employed and have a large financial cushion, which ensures I'm never skint. It's the only way I don't get anxious.

Yes. Skint most months but January is expensive with birthdays for us so very very skint!

No, but I may need to steal some of the money I put into the holiday account as child tax going in early messes with my figures so I think I sent too much over!

January will be ok. I may be a bit skint in February when 8 have to pay the credit card bill for December though...

Yep but that's only because I'm buying my dd a car (tax & ins) and driving lessons for her birthday in January. I need her to be driving ASAP so she can help out with her younger disabled sister and driving is a must. February will be back to normal thankfully.

I feel like January is the month for tightening the belt whether money is tight or not really. After a spendy December it’s good to lay low!