Welcome to all the newbies
methenyou have you access to a work pc that you could use at lunchtime or after you finish work? Just to initially set up ynab? It is possible but a bit more difficult to do the budgeting part on your phone.
I'm another ynab fan it's really helping me pay down my cc.
3 month free trial link
Some of my tips for saving money
Buy enough bread & milk for week & freeze them, no popping to shop for them & coming out with €30 spent & little to show for it.
Use cheapest bath gel you can find instead of liquid soap saves £'s
Someone asked about TESCO cc I'm paying mine down but also using it to pay bills to save points for our holidays next year
Usually don't work Saturdays but have worked about 4 hours the last 3 which is at 1.5 pay, used it to pay down cc last two weeks & using yesterday's to pay off a guys account at my work as he helped my dh find his current job.
Spends this weekend
Friday night dinner €36.50 tip €3.50 drinks €26.00 bus €10 €80 making friends with 11 of my female neighbours over a great meal & some drinks so worth it.
Sat €1.40 on Daily Mail newspaper, my weekly treat as it contains a magazine
Today was joint account spends €65 in mr price on washing powder, cleaning supplies, snacks & craft supplies and some items for decorating our kitchen
€125 in aldi, this is everything for the week. Budget is €140 so over that by €40 but a good stock up done.
Hoping to go camping next sat night, my friend has offered us her tent & I bought sleeping bags half price a few weeks ago. If I like it we'll buy a tent in the sales 