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Re: Budget

PostPosted: Tue Apr 28, 2009 2:50 pm
by dipsydoodlenoodle
Bel Bel wrote:it is like so important to me to have good food and it's one of my favorite things to do with money


Well it is your money, you can if you want to :). So long as you enjoy it. Some people spend it on clothes, music, dvd's and Bel Bel chooses food.

Re: Budget

PostPosted: Tue Apr 28, 2009 2:53 pm
by dipsydoodlenoodle
manufacture_me wrote:We do go to more expensive resturants and spend about £40-£50 but as I said this is only maybe once or twice a week / every two weeks. The subway and the McDonalds just seem to add up, we have them probably twice or three times a week maybe.


Well there you go, say you go once a fortnight, it's £100, and if you go every week it's £200-£250 depending on a 4 or 5 week pay month. It is A LOT of money especially when you are minus at the end of the month.

During the week I always have stuff at home, at weekends me and my bf will very occasionally get a take away or go out somewhere but it's never even been £40-£50 lol! We buy sandwiches or have a cheapish meal and then have the other meal at home. It's the cheapest way :)

Re: Budget

PostPosted: Tue Apr 28, 2009 2:56 pm
by Bel Bel
well the clothes, game, books and dvds all add up so it lloks like this is where you need to target cutting down
do you pay on your debit card or with cash
what you could do is ask your mum to take your card and only give it back a certain day of the week, that day you gert a set amount for the week and make it last
you can't just shove things on the card then and people seem to spend less when it's real cash they ar handing ove, especially when you can see what is left in the purse for the week

i think your b/f needs to start paying his way more too so a supermarket or temp job is in order if he can't find anything else. Atleast then all the food bills can be halved

Re: Budget

PostPosted: Tue Apr 28, 2009 3:04 pm
by dipsydoodlenoodle
I was going to suggest giving yourself a £100 a week budget to spend and see how you get on with it.

With Bel Bel mentioning cards, do you have a credit card? I personally if I don't have the money for it, I don't buy it - it's the way I've been brought up. I don't own a credit card because I'd then be spending money I didn't have.

Re: Budget

PostPosted: Wed Apr 29, 2009 9:53 am
by m_m
I have removed this post due to identity issues, I hope that is not a problem x

Re: Budget

PostPosted: Wed Apr 29, 2009 11:01 am
by rufio89
This is a little off topic, but you said you eat at mcdonalds etc a lot. You posted a while ago that you were worried about your weight - mcdonalds is certainly not going to help your waist OR your purse... xxx

Re: Budget

PostPosted: Wed Apr 29, 2009 12:03 pm
by dipsydoodlenoodle
manufacture_me wrote:I don't have a credit card and don't intend on getting one for the forseeable future. I think getting out £100 a week and giving my debit card to my Mum is a good idea, that way I can see how much money I have for that week in front of me and hopefully this will encourage me not to spend so much.



Yes, if you have money left over at the end of the month then you can spend it or treat yourself to something nice. Also if you keep it and treat yourself to it, it may stop some of the "impulse buys" you might make.

Re: Budget

PostPosted: Thu Apr 30, 2009 5:09 pm
by bellajennie
I know a lot has already been said and I do agree with perhaps trying to budget £100 a week. I am a student and regularly live on this after rent and fees etc. However, I sometimes think if I have my weekly budget in hand then I tend to spend the cash more easily. Fivers soon go on lunch and before you know it its all gone, then you have little choice but to go to the cash machine etc.

I tend to do as dipsy suggests and make packed lunches. I know then I have food for the day so don't take any money with me, and leave the cards at home. Then I can't spend anything in the vending machines or otherwise.

Another little thing for me is to remove all the stored debit card details from online sites such as amazon etc, because then if you see something you half fancy you cant just order it in a few seconds. I'm terrible at this for books and recently deleted all my cards from the account so that next time I'll have to actually bother to go and find them to order. Hopefully it will put me off impulse buys.