Managing your money, do you do it weekly monthly or what ??

[IllegallyBrunette]

I know most people work out their bills over the month and then divide it over weeks and put a certain amount up each week but I find that if I do this I never get a week when I can afford to do anything other than pay bills.

I tend to just write the bill amounts in my diary for the month when they come in, and if one week the phone bill is due then I pay that that week, Then the next week I might not have a bill due and so will buy whatever I need to buy.

Am I making sense ??

The thing is, neither seems to work all of the time.

I think the problem is that I need more money LOL.

have a look here for a free downloadable budget planner. It's pretty good as it lists everything and gives you a good picture of what you can and can't spend.

I also keep a daily spending diary in my bag, i write down literally everything i spend, whether it's 10p or £10 and list what it's for. At the end of the week/month this would gove you a good idea where you can cut back. It also makes you think about what you are spending.

do you pay BT quartley? it may be best to do it monthly so you dont have big bill....same with the others

I pay it quarterly, but I put the money aside every month for it. I get the interest that way!

my plan is to have two bank accounts and pay x amount into one each week to coinside with bills - so say bills rent etc come to i dunno 500 then i pay what 125 a week into it

(Rough amounts lol)

Then in the account i get paid in is left the money i can touch so this goes to food, any bills what aren't direct debit, and other spending