Im good at being frugal with food shopping and daily spending but im terrible at spending too much on bdays and xmas for people and generally being a little overly generous. I buy what i cant afford because 'they deserve it' and on looking through my credit card id say for the last 3 years or so iv maxed a credit card buying people gifts (a small limit credit card nothing extreme) but how terrible is that!!
Bdays, weddings, new baby gifts, christenings, new house gifts, engagement presents they all pop up and not in my monthly budget so there i am chucking them on the cc.
Anyway id say i spend around £50pw in lidl that includes, meat, nappies, toilet roll etc etc when i shopped in tesco, asda i was spending easily £80 as i kept throwing in extras like pjamas.
Take cash out for each week and try and stick to it.
Look through the month and set aside money for any nights out, kids activities, that way its not a shock when it crops up.
Il be following as im on maternity leave and now have 3 kiddies less money but more expenses.
Im not sure if it's been mentioned and im too lazy to look back, but lloyds tsb do a 'save the change' savings acc which I used to love, I don't bank with them now though.
Basically, if you se your card either in store or online, t rounds it up the the £ and pus the difference in our savings. So, say you spent £5.64 in a shop- itd take another 36p from your acc and put it in your savings. Always got a few bob from it 👍
Not that anyone would want to do it as mortgages are stressful. But we just got £250 cash back for staying with nationwide when we renewed our mortgage in Dec with them £125 is going on holiday money and 125 is going on doing up the house. So the money already spent. Xxx
Any opinions, advice, statements or other information expressed or made available on BabyandBump.Momtastic.com by users or third parties, including but not limited to bloggers, are solely those of the respective user or other third party. They do not reflect the opinions of BabyandBump.Momtastic.com and they have not been reviewed by a physician, psychologist or parenting expert or any member of the BabyandBump.Momtastic.com staff for accuracy, balance or objectivity. Content and other information presented on BabyandBump.Momtastic.com are not a substitute for professional medical or mental health advice, counseling, diagnosis, or treatment. Never delay or disregard seeking professional medical or mental health advice from your physician or other qualified health provider because of something you have read on BabyandBump.Momtastic.com. BabyandBump.Momtastic.com does not endorse any opinion, advice, statement, product, service or treatment made available on the website. If you think you have a medical emergency, call your doctor or emergency services immediately.