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 🙌🙌

Oh I see. Neither of us are in receipt of UC so it's never crossed my mind! Sending money into the joint account used to be a hassle but we worked out just waiting until the 1st of the month was cleanest.

Payday’s Monday and I’m negative £200… again.

£132 until Mon eve. We'll be fine, going out for dinner tonight too. All bills paid from another account.

About £300 in savings. We're a single income family at the moment so will start saving once I go back to work later this year.

Why would you keep this in your current account? I keep my savings in a savings account? I would have to transfer it out. 😆

Payday is Tuesday. We have approx £800 in the current account and Whats left bY Monday night will move to savings.

we’re late 40s though now so much better off than the childcare years when we’d be down to the last couple of pounds.

I had £22.73 n my account the day before payday. I do have an overdraft and savings if needed. Plus I tend to use my cc and pay balance in full . It’s usually due about a week after pay day.

About the same as you, OP. Feeling quite flush! I think it’s because of the shorter month!

£6. Payday is Tuesday. Luckily I work Monday and both my children are in nursery, so will do the shopping on Tuesday.

Only tumble weeds in my account until April.

I literally have a few quid. I don’t get paid until Friday, but it’s SMP, so as soon as it hits, it’s gone, as it’s wiped out by my bills.

Maternity Pay is so much fun - NOT. How they expect us to live on so little, I do not know. It’s literally less than Minimum Wage.

The Child Benefit helps a bit, but once the nappies, wipes, clothes (if needed), and formula are purchased, there’s not much left, is there?

How much do you get each month? (Nosey!)

I will do this. Thank you. Just makes it easier to budget!

Overdrafts are a blessing and a curse.

I don't have one as I'd use it for days when things are tight.

Missing a direct debit is a €20 euro charge

I understand how people get trapped in the overdraft cycle too.

Payday Friday and we have just under 350. Really pleased as we’ve made a real effort this month to have some left to save

Yes I’m the same, I’m good with money but I don’t have an overdraft or a credit card because I just don’t 100% trust myself to justify using them unfortunately.

My payday is Thursday and I have £49.08.

We used to get paid in July for July and August, we ate a lot of beans in the last couple of weeks in September, especially if we had managed to go on holiday in August!

1483 for food, fuel and savings is pretty good TBF.

But some people might have 50p in their current account and £10000 in savings so whats the point of asking?

I have £317 BUT when I last was paid I had savings of £500, meaning I've eaten into that heavily.

I do have expenses of £100 or so to claim back.

It's been an expensive month by my standards so will need to cut back next month.

Yeah it’s not too bad

the 1483 goes to…
300 food
240 fuel
200 savings
50 kids clubs/school trips etc
100 treats/coffees/takeaways
100 clothes/shoes
50 birthdays/gifts
50 prescriptions/medicines
150 holidays/trips (either as a payment off a booking or as savings)
I know this essentially leaves over 243 but it gets eaten up somewhere usually and if not like this month it’s put into savings.

This is where cheques came into their own, they took 4 or 5 days to hit the account!

I don’t class those kinds savings as a part of the monthly budget though…as in to me in my head “they are not there to spend on average monthly needs” that’s just me. I have to separate them unless for true emergencies.

Currently sat in a play centre while dc playing buying over priced drinks and chips with my last £30 pay day Monday.

Enjoy ☺️