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How would you feel about this budget vs expenses for the rest of the month?

56 replies

Budgetquery · 03/04/2025 18:18

I tend to panic about money since i separated so bear with me.
I have 816 left until next payday on the 24th
out of that I need to pay for dds birthday party. 125 for the activity and then food so I’m guessing about 150 (we’re going to make pizzas)
I have to get petrol and also food shopping each week.
there’s still Disney to pay and my broadband and phones which is 70…
so that’s 210
which leaves 606 for the food and petrol. I I have to get a birthday present for my ds’s friend too…so 15.
I don’t think there’s anything else to pay but something always crops up…
I know I’m panicking, how do I stop this!

OP posts:
Jellycatspyjamas · 04/04/2025 08:37

Budgetquery · 04/04/2025 08:09

@Jellycatspyjamas thank you so much, I think that’s it isn’t it. The just getting used to it and having trust that you can manage it yourself and be in a good place.

It is, and getting used to not having a second income if something goes wrong. I’m a couple of years down the line and the worry does pass. I’m used to having a good handle on what needs paid etc but can still have a moment when it feels a lot to manage.

Don’t be too hard on yourself as you get used to your new circumstances. On one hand it looks like you’ve enough money for what you need, on the other I know what it’s like to look at the figure on my bank account and have a bit of a panic even when logically I know it’s enough.

Budgetquery · 04/04/2025 09:06

Jellycatspyjamas · 04/04/2025 08:37

It is, and getting used to not having a second income if something goes wrong. I’m a couple of years down the line and the worry does pass. I’m used to having a good handle on what needs paid etc but can still have a moment when it feels a lot to manage.

Don’t be too hard on yourself as you get used to your new circumstances. On one hand it looks like you’ve enough money for what you need, on the other I know what it’s like to look at the figure on my bank account and have a bit of a panic even when logically I know it’s enough.

This is it exactly, price separation? If my bank account got low? It didn’t bother me because I knew that my ex had money in his account also. Whereas it’s just what I have now and that’s it. It’s just a new mindset, isn’t it?

OP posts:
Budgetquery · 04/04/2025 09:06

prior to separation that should say

OP posts:
Roseshavethorns · 04/04/2025 09:29

Hi OP
It sounds like it's the sudden loss of your safety net that is worrying you not the actual figures (which sound fine).
What I would do in the short term is divide your "unallocated" money into 3. Anything unspent in week 1 becomes your emergency fund. The same for week 2 etc. As soon as week 1 passes you will feel slightly better.
Going forward I would look at building access to a "not quite an emergency" fund that is separate to your savings. It could literally be what is left over from your weekly budget or an emergency credit card.
I have lots of different savings pots. I put what is left over from my monthly budget into a separate pot that I can access with no guilt as it hasn't been allocated to anything. It's quite comforting to see it grow.

Budgetquery · 04/04/2025 09:32

@Roseshavethorns thsnk you do much, you’re right. I’m going to try my best now to separate it up and start a pot for the “not quite an emergency” situations, that sounds great. Thank you.

OP posts:
Budgetquery · 04/04/2025 16:46

Little update…so far so good.
I bought the gift and pizza ingredients and party treats and food shopping for 77 in total.
so that’s the 600-77=523 left (excluding the party activity) 🙌

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