NC’d for this as I’m prepared to get hounded.
I spend money every day. It’s driving me mad. I’m keep a book with all my purchases in as I’ve been trying to figure out why we’re struggling. I don’t buy anything nice for myself, no house bits, no make up, no clothes (last was a charity shop jumper for £4). Everything seems to be essential. Bread and milk one day, nappies the next. Cleaning things we’ve run out like washing up liquid. It just seems to be constant. I have little DC, so maybe that’s why?
is it just me? Am I going wrong somewhere or is this how everyone lives?
To spend money every day?
Moneymoneymoneyisntfunny · 29/10/2022 20:46
NC’d for this as I’m prepared to get hounded.
Am I being unreasonable?AIBU
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Moneymoneymoneyisntfunny · 29/10/2022 21:24
It I do, as I say I am keeping a written record of everything I buy and it’s all essentials. I’ve been highlighting anything that isn’t and in a few weeks of stuff there’s only one or two bits that have been non-essential!
luxxlisbon · 29/10/2022 21:04
It’s very easy to just say it’s all essentials though but there is a huge range of what you can spend on households items and food.
Until you actually know what you’re spending in total you can’t say it’s all essential spending and couldn’t be reduced.
Moneymoneymoneyisntfunny · 29/10/2022 21:00
Just hadn’t thought of it. Don’t buy them from the corner shop, buy things from Lidl and Tesco. Lidl is best for nappies etc.
I guess that’s the issue though isn’t it, you say ‘control your spending’ but if it’s all essentials, I’m not impulse buying crap at all, then it doesn’t really matter at which point I spend the money?
luxxlisbon · 29/10/2022 20:56
What’s the difference between spending £10 a day or £70 a week though?
The problem isn’t really that you are spending money every day, which is obvious since you are choosing to do small shops. But if you are regularly buying things like nappies from the corner shop you will be spending a lot more per item.
Is there a reason you don’t just sit down and do an online shop if you want more control over your spending?
Bluebellsand · 29/10/2022 21:51
A family friend, goes back and forth from the shops on purpose. Because it breaks up the day and you save money, she says.
This winter a lot of libraries will be almost full. Free heating and free books to read.
Sorry I can't help you with budgeting. Just know a lot of things are more expensive, have you adjusted for the new prices?
Moneymoneymoneyisntfunny · 29/10/2022 20:53
online shopping might be the game changer for me.
AperolWhore · 29/10/2022 20:52
I was like this until I went to online food shopping, I meal plan and do a full shop for the week. We don’t do any top up shops now and it’s much cheaper doing an online shop than going to the supermarket.
I also buy nappies and wipes in bulk so I never run out.
Moneymoneymoneyisntfunny · 29/10/2022 22:51
I do? As I said I struggle when I’m shopping.
no need to speak to me like rubbish. I’m asking for help and support, not a kicking
notmyrealmoniker · 29/10/2022 21:48
Write a list for goodness sake and do a weekly shop.
TheDogAteMyHousework · 29/10/2022 23:39
I do a weekly online shop, but I understand. There always seems to be something else we need. And even if I realise in time for the order, it still feels like I'm always going over budget - no matter how hard I try to cut back, there will be something else that needs buying.
I use Tesco for online delivery and have their clubcard credit card. I pay for everything on the credit card and pay it off in full every month. I get the clubcard prices and also earn points, which I usually use to pay for a meal out or outing when I have enough. But you can use them towards your shopping.
I have a budget and I try to stick to it. I book the slot several days ahead and start adding things to the order. If I reach the limit of the budget or go over, then I scroll back through everything to see if there's anything I can leave off. If I have enough in the freezer, then I will try to space the deliveries a bit further apart and go to the nearest shop to buy just enough milk, eggs and fresh fruit/veg to get through to the next delivery. So it might feel like I get a weekly delivery but it averages out a bit less frequently.
I'm spending less since I started being really strict about this.
If I don't need much but can't get to the shops, I'll book a delivery and top it up with e.g. washing powder or (at this time of year) things that will keep until Christmas, especially if they're on offer. That helps me keep to a lower weekly budget overall because there are other times when I need to go over the basic budget (e.g. catering for DC birthday or guests or need a bottle of wine as a gift) but I don't also then find that I urgently need to buy cleaning products at the same time, because that's the kind of thing I have in reserve. Hope that makes sense.
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