Well.. ive just done my budget for next month and its looking challenging!
This is down to a few things..
Firstly, ive upped my pension AVCS/ (the Motorhome fund!!
) by £100 to £500 a month. So my take home pay has gone down.. However this is a very good deal as I only pay 80% tax on this so its only £80 going out of my account.. Also, though it sounds a lot , I think of it as mortgage ( DH pays that but its virtually finished now ) ..and im hoping to retire in less than 3 years now and for us to whizz off..
The second reason is that im trying (perhaps madly? ) to claw back in one month the whole of the £300 I just paid out of savings (leaving pretty much diddly squat) in advance rent for DS bedsit.. Can I do it ? well its in the budget , but ill see..
I also have about £120 on credit card this month ,(but some of that HOF stuff may go back).
So after biils that only leaves me about £450 to play with for food/petrol and other stuff.. (but I only budget my money , but do try not to tap DH up .. He has just paid out for our holiday and hire car and pays all the expenses in the place he lives in all week. but I might find that I 'have' to pop into supermarket thursday evening after picking him up from ferry hee hee.
)
I do have my £150 honorarium to come yet , but id like to save that if I can as its extra money
so spends to day were:
£37.01 on frontline/ drontal etc for the pesky fleabitten moggy , but thats 6 months worth.. (cheapest i found was on pet supermarket online through Quidco and with 10% new customer discount also if you are buying it)
£10.04 in 'penny lane' discount store. lots of ex- waitrose stuff.. some of it basics for DS.
£3.91 stamps
£6.40 on birthday cards
£300 rent in advance ..