To have this as my monthly budget? 2 kids under 3

[DonutEnvy]

Hi
I previously posted about going back to work with young kids (1 and 2 years old) and I have decided to go back to work in a few months 1 day a week (they will be in nursery 1 full day and 1 half day- half day I will use as errands time).
My income will be roughly £1100 a month (including child benefit).
I set my budget out as-

• contributing to joint account for bills and kids essentials- £500
• personal spending money (DH has same amount too)- £350 for treats for myself or clothes/ hair/ lunches etc
• savings I put in joint savings acc- £200 (this includes £100 a month for kids’ junior ISA but husband puts half in)
• SIPP contribution £50

My DH covers majority of bills as he works full time and he contributes to savings abit more too. I wanted to check if this budget was reasonable or if I should consider anything else.

Do you have an emergency savings fund ?
3 months salary

I would put more money into your SIPP or a tax free ISA

Id reduce your personal spends and up your sipp contributions personally

Sounds ok but I also agree about upping SIPP, perhaps £25 less towards bills and £25 less personal spending money?

Hi all

So I should be aiming for £100 a month SIPP?
Okay I’ll rejig the budget and aim for that.
I have been self employed for awhile so didn’t know what the average pension contributions were.

Doesn't seem like much going into the emergency pot for household repairs etc or a family holiday this or your sipp seems more of a necessity than the children's isa.