Basic household budgeting.

[Skribble]

I am going it alone now and will be in charge of all the finances now. Wondered how you all organise your finances. Just a basic outline to see what might work for me.

I was thinking...
Bill paying account, with exH's maintenance paid straight in, all direct debits out of it. Top up with money from current account.

Current account, my irregular wage and tax credits paid in, use for shopping and other weekly living expenses. Pay excess (LOL) into bill paying and saving account.

Saving account, child benefit paid in, use for paying kids activities fees and other bigger things, top up with money from current account.

How does that sound? I have always struggled with my irregular wage, I tend to buy what I can when I get money in and limp along until the next lot of money might go in. Not good now I have to pay all the bils and mortgauge.

That sounds very logical and should help you keep everything organised.

I do things in a remarkably similar way.
Personal account, joint account, bills account, savings account.

My personal account is a mess, but everything else is organised!

Good luck!

Thanks, my own account has been a mess up unyil now as exH witht he regular wage paid the bills and I paid for shopping, fees and all the other incidentals, always going over drawn as I would go on mini sprees and get all the school clothes and new kids stuff when I got money then over do it. I will have to be a lot more organised now and pay off my Visa so I can use it for emergencies only as it was originaly intended.

Been to see bank advisor and she was very helpful, all sorted out with a huge overdraft to make sure I don't get caught short while transfering everything over. She agreed it seemed the best way for me to organise my money with the 3 accounts. They will transfer all the DDs over for me but I still have to change names etc on them.