If payday is Monday?…

[Loveduppenguin]

How much have you got left in your current account? If payday is Monday? I think I’m doing quite well with 141.36 😅
Single parent trying hard to save more so I’m thrilled 🙌🙌

@PickledElectricity I was thinking about how that would work on Universal Credit where you really want to avoid having two salaries in a benefit month.

Easy enough in reality as you make sure your monthly Assessment Period starts and ends early in the month.

I think this shows everything is relative.
I don't earn as much as you, and my take home pay is approx. £2000. My bills and savings come to £1400, so I have £600 left for food, fuel and everything else.

I realised how much I spent on shite. I've stopped buying stuff I don't need. If I see a book I want, I'll order from the library. If I fancy a coffee, I think I'll have one when I get home/work. Taking my lunch every day to work etc. I had a budget for Christmas and stuck to it this year.

Life sounds miserable when I've written it down, but it really isn't. I still do all the things I did before, go out, holidays and so on. It's those little things that have made all the difference to me.

Payday is 27th and I’ve got just under £500 left in my current account - mainly because it’s my 2 months not paying council tax or water

This sounds good however prices on Uber eats are already inflated you aren't getting 50% off in-store prices so you're paying over the odds

Minus £500. Yippee.

Payday Tuesday. I’m on minus £157 but I do have savings that I don’t want to touch

I'm paid on 25th and now, in my 50s, I am fortunate enough to no longer have to consider payday timing. In my 20s and most of my 30s, I was in negative territory before every payday. You are doing well Op.

The Paypal tip made me chuckle. In my 20s, I would use cheques at the supermarket in the last 3 days. If you asked for cashback on top, the cheque guarantee card swipe wouldn't go through- so I would volunteer to do a lunch sandwich run for work colleagues and get cash off them for the pub in the evening.

My payday is the 1st of every month. I have £203 left and £278 on my credit card.

My payday is 31st however I'm in the last month of mat leave so I didn't get paid. I have £32 left of what my husband sent me 😂

Pay day is 31st
Am overdrawn by about £300 due to £400 car bill, and £250 owed by the parent of a tutee.
I am 65 and can never stop working.

Last day of the month is pay day at my company. At dh's last job, he was paid on the 15th of the month which worked well for us because I was paid at the end. So we had money coming in fortnightly so we weren't caught short.

Us older ones will remember when you could cash a cheque in a different branch to where you held your account and it took 3 days for cash to debit as the cheque went through the clearing cycle.

I've just spent the last year paying down a £4500 overdraft so my numbers look worse than they really are. Last month, I cleared it completely (and removed the facility 😀). I get paid in a week and have £140 left in there.

I'm working hard to clear down debts, so calculate my expenditure to only leave me £90 a month to myself.

I do stick £3800 into a joint account to cover all bills, which is roughly £600 over the cost of the bills - if that counts for anything! But we do spend that money on days out with the kids and the never-ending plethora of kids clubs!

Oh to add- i do have £128 in my Christmas account which i try not to touch (but generally do) and about £1800 in the holiday account which I am about to use to pay airfares to my home country to see a very ill parent before a major operation. So i am not skint as such- just there is not alot of wriggle room right now. The VAT on school fees is costing us an extra £640 a month and it's fair to say we have noticed it.

Get paid this coming Friday, have about £100 left, DH not paid till 31st and has about £10 in his account. We have about£200 in the joint account and have 1 week shop and a petrol top up to do.

Joint account is looking very healthy but we've put a few things on C/C this month for the section 75 protection so it won't be so happy when we pay that.

My personal account has £12.67 which I'm going to blow on cake today while my daughter is doing her dance class. 🤣

Sorry for people who are struggling. X

Exactly.
Someone could have no cash, but a big asset. More people are home owners in the UK than are not.

£352 but both DH and I are out today so I anticipate it will be about £250 by Monday. Haven’t saved this month as we have done a city break for 3 nights for which the costs have all come out of our current account. We didn’t scrimp on anything so it was pricey but I’m not going to tot it up🫣

Got paid yesterday and had £81 the day before. Have upped pension contributions last few months and this is the first month I haven't had to transfer from savings to compensate. Very spendy few months coming up though.

pay day 31st current account £531
we went away at the beginning of the month so low on funds this month

Is there a way to divide council tax over 12 months?

Payday is the 4th and I have £125
I need to do a big shop on Monday so that'll be wiped out, fun times

Yes you can contact your local council and they will do this. Once my daughter is out of education and we don't get single occupancy discount I will do this

We are like this and tend to only bother transferring to a separate savings account if we know we won’t just need to take it back out again after a couple of months.
So at the moment we’ve a big surplus but next month we will pay for holiday clubs for half term plus some annual renewals and May we will be paying for spending over Easter holidays and some car expenses so we won’t send surplus off to savings till we see how account looks in June.

Payday 30th. About 12k in the current account