We have recently moved house and used up all our savings, I will be on maternity leave and when I return to work, if Im lucky to! -I will be taking a big drop in earnings,and our whole house needs refurbishing AND we plan on having 4 children lol so we have totally re-thought our budgets for everything.
I found when I had the money I would just spend a lot more on not a lot of stuff, and nobody really appreciated and then when you look at how much you could have saved, you get a right shock!
Anyway, this year we are halfing our spending to:
DS's: ideally up to £100 each including stockings
Niece: £10
MIL and partner: £10 each
FIL: £10
My mum: £25
Mums OH: £15
Granparents £10 each
My Dad £10 if I can even be bothered, my DS got a M&S gift card like 3 months late, and my OH received nothing from him, not even a birthday card. I dont think he got me and my OH anything for Christmas either.
Me and OH on each other: £35 on each other
= £315 and thats without all the extra's I expect Ill end up getting, and thats on a strict budget, what a lot of money!