I've name changed so this isn't linked to my usual name. Please be kind, I am not on my arse, nor is this a begging thread. Think of it as how you'd teach your teen child to budget their pocket money.....
Execept... Im 33. Ive cleared off my overdraft which was £400 with some good slogging. I'm proud of that.
I underbudgetted and overspent during Jan forgetting it was a 5 week month and have had to ask my Mum to come to my aid and fill my car with petrol as I get paid Friday and my reserve light was on.
Whilst she was happy to help out, I feel shit because I'm already £60 down (I lent £30 from her over the last 2 weeks) before I even get paid. Fortunately I get a bonus this month which will cover that £60 but it's not the point.
Regardless of rights and wrongs, mine and my husbands finances are separate. That's how we've always been and how we function. As such, I don't talk about my money with him and vice versa. We have a joint account with a chunk of savings in and investments too.
So I guess it's not really a major issue to some but i find myself short at the end of each month.
I get say £1,100 as a salary. from that I take out approx 150 to cover my own direct debits which come from my bank such as car tax, car insurance, fuel. I then take £200 for myself for the month. This money is to do what I like with but more often than not is spent on bits for us as a family (wine, bread, milk etc) and I find myself short.
I often don't have anything to show for the £200 and I would like to get myself out of this cycle I am in.
I'm proud I've cleared my overdraft and would like to nail this spending habit I have.
I may pop to the garage for milk and I will spend £5 on stuff - treats for my son like fruit, and pop for myself.
My husband spends barely anything - he's not tight but just doesn't fritter it like I do. He went to the shop for milk, got milk and 2 small cakes that probbaly came to a total of £2. I would have spent more...
So, if you can help me and lead me in the right direction, I;d be really grateful.