To think there’s not much else I can do with this budget.

[Itgetsharder]

My main income is approximately 2600
child benefits 280

So that’s 2860

Rent 1400
Life insurance 84 (which I will be reducing in the new year, I just can’t do it yet)
Internet and phone 52 (again contract is up in Feb, though most deals are similar)
Netflix 15
Disney 11
Bins 23
Apple 20
DS football 25
Electricity 120

Total 1750
Leftover 1110
Amount leftover is to cover food, petrol, other clubs for dc every so often (they are not monthly costs) more like termly and their dad pays half of them too.
I have my DC 50:50 custody but it doesn’t make a huge difference to food costs.
Im not saving a lot and would like to be saving more although I’m getting there.

Theres not much I can cut is there? The dc watch both Disney and Netflix, I watch Netflix and I use Apple Music etc A LOT.

Finally got awarded the WFP. €41 a week. 😊 it’ll be such a great help and I will get the backdated €400 November bonus too 🙌 delighted 🤩

Reduce Netflix to £4.99 pcm. That is what I have done.

Brilliant. That's so much progress @Itgetsharder - well done 👏👏👏

@TheKeatingFive thank you. I’m going to put a good portion into my savings for car stuff or heating oil 🙌

What about council tax and water bills?

Sorry @KnittyNell i think I stated somewhere after I am in Ireland and we have no council tax or water bills here.

Arrrraghhh I have to tell someone because I can’t say out loud in real life yet!! I got a promotion in work!! I’m so so delighted I could cry. My wage will increase a good bit to approximately 3600!! I’m buzzing!

so the new numbers will be!!

In -3600
CB-280
WFP-177 (this is until Oct and after that it will stop I think as I will earn too much then)

Total: 4,057

Rent 1400
Life insurance 84 (which will be reducing very soon)
Internet and phone 52 (which I can change now)
Bins 23
Apple 20
Netflix 15
Disney 11
DS football 25
Electricity 120

Total 1,750
Leftover 2,307

that has doubled my leftover amount, I could cry 😭

That is brilliant news! Well done.

What a relief!

Just don't let lifestyle creep set in now you've more cash to splash.

@Notsuchafattynow thank you! You’re absolutely right! I need to save save save, my next goal is to buy a house! I’m a woman on a mission! 🤣🙌

That's great congratulations 🎊

@Itgetsharder great news!!