I don't budget at all, and hence I don't allocate spending money. My reason for not budgeting is because I'm on such a low income; if I put it all down on paper it would probably really depress/stress me.
Some weeks I have not a single dollar spare (including unpaid bills). Some weeks I have some spare dollars, so if I need/want to buy whatever I will do it then. Or, most often, I actually buy whatever I need/want whenever I want, but then it just means that some bills wait until the following week/s.
It doesn't sound overly sensible, not having a budget, but I find it maintains my psychological wellbeing quite well.
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10-02-2016 17:43 #11Senior Member
- Join Date
- Feb 2006
10-02-2016 18:09 #12
We are quite tight here. $50/month each and $85 for eating out/family spending. This is for stuff outside of our necessities which come under other parts of our budget. Sometimes we will splurge a bit - that comes out of what I call "buffer" money which is there for unplanned expenses.
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10-02-2016 18:20 #13
At the moment zilch. The ex is underpaying his child support so I'm lucky to have enough for groceries.
Hopefully it's sorted out soon.
10-02-2016 18:21 #14
10-02-2016 18:30 #15
Depends, I factor in my hair appointment when doing the budget so generally after the shopping I keep $200 aside for the fortnight for that extra little in between which is usually fruit, bread and milk and I like to always have extra cash for expenses that pop up re school and icecream for after swimming etc and dh does lotto at work etc. We don't have takeaway and the odd occassion we may be going out gor dinner is budgeted for on payday
Last edited by Blessedwith3boys; 10-02-2016 at 18:34.
10-02-2016 18:35 #16
We are on a really tight budget. DH gets $10 a week so he can buy a coffee and some lunch at the local takeaway once a week as a treat. I eat at home every day. Our basic essentials are covered (food, rent, bills, car stuff etc) but there is nothing left over. I am very conscious of the fact that if I overspend somewhere, something else doesn't get paid. I went to Target the other day and spent ages considering and reconsidering if I should buy myself two new t-shirts at $4 each. Every cent counts for us. I wish it was different but that's life. You don't always get what you want.
10-02-2016 18:48 #17
About $400 a week, but that doesn't include my hair, make-up products etc and in reality we just buy what we want when we want it.
In saying that, at the moment, we have no kids and both work pretty much full time on decent wages. I used to have to budget very strictly when I was with exH and never had any money to spend, so I feel very rich at the moment and know how fortunate we are. I have definitely been in the situation where I have had to carry a calculator around the grocery store to make sure I accounted for every cent and had to worry I wouldn't be able to afford enough petrol to put in the car to go to work.
Our circumstances will all change if we are able to have a baby though. If we are lucky, we will probably end up with about $100 a week to spend.
10-02-2016 18:53 #18
DH gets $30/week I get nothing. Apart from the $30/week we have zero disposable income leftover.
10-02-2016 19:06 #19
we get around 150 a fortnight each much to DH disgust
but hey we gotta pay bills.
we have a mortgage 1 car loan (his brand new car) I hate being the "treasurer" because I am always copping heat but I try and save as much as I can and I live pretty frugal
his money goes on who knows because he is hopeless with money
usually beers, coffees everyday. I really don't know what he spends his money on
mine usually is for stuff for the kids, and parking and the odd coffee.
I try and save mine so I can buy bigger things
10-02-2016 19:11 #20
Do gets $5 a week for the day he starts travelling at 3 am for a 5 hr trip to start his work in another town, for coffee and cake on the way.
I don't have a set amount. If I want some I have jig the grocery budget.
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