Not managed to read the whole thread as I never have enough time, every time I come back to read another couple of pages 5 more have been added!
Hope it's okay I join in occasionally.
Quick (long as I can never keep anything short) bit about us. Just DP and I (and a few pets). He works, I'm disabled and struggle a lot with pain etc.
We're normally pretty good with money but I've had a shock this week finding out the joint account only has £230 left in. It was over £4000 before Christmas.
So quick breakdown of essentials and I estimate there is a gap of about £900-£1000 a month we don't 'need' to spend. I've upped the shopping bill a bit and plan on sending DP with a packed lunch (oh the cruelty) for the foreseeable.
We're planning 2 holidays so I'd like to save £500 a month for those (and clothes, spending money whilst away etc) and he's redecorating the house (aka making a mess and spending LOTS of money), but there are some big things that need doing so £500 a month towards that would be great... Why can't money grow on trees.
So payday (his hard earned wage) is in 3 days, my PIP was like a drop in the ocean this month. I'm hoping we can save AT LEAST £500. If we can then I'll push it higher next month. We've a few birthdays coming up and I'm guessing the first month will be the hardest.