I have been keeping a spending diary since the start of the year and despite thinking I am being quite careful with money I am spending way more than I thought I did every month! I have realised I am spending about £1400 after we pay the mortgage, so that includes childcare, food, car and essentials plus only a few treats.
I think that's a lot so I'm wondering how I can cut back on that especially as our child care costs are about to increase? What do you think you spend a month?