Drawing up our home budgets - what am I forgetting???

[HonoriaGlossop]

trying to get on top of bloody money, as I never feel organised enough....always chasing our tails come payday and I hate it! I hate feeling disorganised!

So what do you do to keep on top of things?

I have a list of all our direct debits and know how much we spend on food and petrol per month (well till it all goes up again I do) and incomings etc so I know roughly what we're looking at

So what expenses am I forgetting to allow for here?

I know I need to allow for the car; service, MOT, Tax....birthdays and Christmas....anything else?

TIA for any thoughts!

insurance,
lunches
pocket money

insurance taken care of in direct debits
lunches taken care of in food allowance
pocket money: YES, good one, hadn't allowed for that

thanks greyskull this is helpful!

do you allow for grown up pocket money
the odd couple of quid here and there?

toddler groups (don't know how old your kindlings are)

Clothes/shoes/haircuts/medicine/emergency fund in case boiler blows up

school trips
scout subs / ballet lessons

water/electricity bills

herbie thanks - we use pay as you go probably £40 a month between us bloomin' phones

grown up pocket money definitely a hidden cost, take the card and just buy little bits here and there, magazine etc, it all adds up......v v good idea to put it down as a cost and keep to a budget

guys this is so helpful!

water bills - done by D/D
School trips - yup, another hidden cost! No subs as yet, ds won't go to clubs
Clothes: hidden cost at mo
Haircuts: Ditto!
Medicine: Ditto!
Emergency fund: I know, I know

Medical
grooming (salon/haircuts)
household contigency (emergencies)