DH earns decent money and I am a SAHM.
We are both utterly crap with money and just spend what we need to/want to without thinking about it.
We've got overdrafts and credit cards and vary between being in the black and in the red wildly. It always averages out to being ok though, so we've never been forced to get our act togeher so to speak.
As of now my maternity allowance is ending plus DH has a new travel expense coming out of his salary every month. We are going to have our incomings cut quite significantly really.
We are also in a phase where we are in the red!
We need to change our ways and fast. I am starting to worry.
I dont know where to start though really and we are going to find it very hard to change the habits of a lifetime and not just spend as and when we want to!
Any basic starting tips to help us on our way? What should we look at first?
We are planning on sitting down tonight and doing a spreadsheet with all our fixed incomings and outgoings on it, so hopefully that will help a little...