lilbup exactly the reason I'm hear to bring down credit card too after mat leave! Have two credit cards totalling €3714 limit €3500, aim to bring one down to zero and other down to €1000 firstly and transfer to a 0% balance transfer card in November and then eventually bring limit down to €750 and keep balance at zero.
Last week I got tax back which has helped to get on top of things. I bought ynab and going to use it properly. Have my wages from today sitting in one account but have enough in my current account to manage this week so my goal for this week is to leave that there to build a buffer.
Think we've enough meat in freezer to avoid buying any this week so should make for a cheaper week in groceries.