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Managing Finances
 
# 1 : Saturday 18-3-2017 @ 15:57
 
 
Just looking for peoples thoughts on finances and how good they are at budgeting.

I'm pure shit at it
I get paid every 2 weeks. Mortgage out once a month. Usual bills. But a couple of days before payday I have zero money.

I also admit I don't look at prices when I'm shopping. Like I went to Tesco this morning just for cleaning products and spent €95!!

I'd love to be better at budgeting.

How good of a budgeter are you?
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# 2 : Saturday 18-3-2017 @ 16:26
 
 
Extremely good at budgeting, if I can't afford it I wont buy it and often pick up half priced bargains in Tesco. Keeping a record of outgoings during the year and shopping around for insurance and energy providers helps also.
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# 3 : Saturday 18-3-2017 @ 18:18
 
 
Someone said :

I also admit I don't look at prices when I'm shopping. Like I went to Tesco this morning just for cleaning products and spent €95!!

There's the problem. Keep an eye on the prices when you're out doing a food shop!

I'm by no means stingy when it comes to money but I do like to pick up a bargain when doing my weekly shop. Keeping an eye on the price and the best before date seems to work for me


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# 4 : Saturday 18-3-2017 @ 22:15
 
 
Thanks lads.
I'm really going to knuckle down. Would love to have a bit of savings even.
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# 5 : Saturday 18-3-2017 @ 23:17
 
 
Someone said :
Just looking for peoples thoughts on finances and how good they are at budgeting.

I'm pure shit at it
I get paid every 2 weeks. Mortgage out once a month. Usual bills. But a couple of days before payday I have zero money.

I also admit I don't look at prices when I'm shopping. Like I went to Tesco this morning just for cleaning products and spent €95!!

I'd love to be better at budgeting.

How good of a budgeter are you?

For 90% of the people, it is the opposite of dieting: more in, less out.
And as for dieting it is easier said than done.

- burn your credit card: if you cannot debit it now, what makes you think you can in 60 days when interests have accrued
- go shopping with a list: only takes what is on the list
- when shopping if you see a 'bargain' for something not on the list, only get it if you remove something else from the list/cart
- eat before you shop, and if needed relieve yourself of other stressers... some people laugh all the way to their bank, some people w*nk all the way from their loft
- write down all that goes in for the year, all uncompressible out for the year, including once-off, remove you CC debt, divide by 12. Don't spend more any week. If it means not going out, or going out with only cash for 1 drink, so be it, for a year

Who said budgetting cannot rhyme with fun?
[no fun rhymes wuth fun ]
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# 6 : Sunday 19-3-2017 @ 15:37
 
 
Absolutely hopeless with money. Gonna really try sort my finances out from now on and not spend needlessly.
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# 7 : Sunday 19-3-2017 @ 16:28
 
 
I'm okish at budgeting but could be better. I avoid Tesco these days - I try to do a big food shop in Aldi or Lidl and then get the extra things in Tesco. I try to shop around for the best value. Sometimes you have to pay a little more for a quality product but quality tends to outlast cheapy/inferior goods so it saves in the long-term.

I avoid Spar and Centra like the plague. Pure rip off merchants!
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# 8 : Sunday 19-3-2017 @ 17:12
 
 
I was reading a thread on a Ul web forum this afternoon about families that are too poor to buy sanitary towels for their daughters.
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# 9 : Sunday 19-3-2017 @ 18:21
 
 
Most charities give them out.
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# 10 : Sunday 19-3-2017 @ 18:26
 
 
Someone said :
Absolutely hopeless with money. Gonna really try sort my finances out from now on and not spend needlessly.

Me too. Starting from today!
Its ridiculous the pressure I put myself under. The first week I get paid I'm a king. The second week I'm a pauper.

I need to give my head a wobble.
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# 11 : Sunday 19-3-2017 @ 18:50
 
 
Someone said :

I avoid Spar and Centra like the plague. Pure rip off merchants!

I've always found Centra to be the lesser of those two evils!
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# 12 : Monday 20-3-2017 @ 15:12
 
 
i'm terrible at budgeting but I am very happy and proud to say that i just paid off a loan years early today, saving me loads in interest and with one less thing to worry about!

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# 13 : Monday 20-3-2017 @ 16:36
 
 
That is excellent Frodo
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# 14 : Thursday 23-3-2017 @ 09:06
 
 
I now owe just under 1,000 Euro to German social security due to welfare overpayments.

I'm paying back 60 Euro monthly but been thinking of just settling the total amount as soon as I have the funds.

But since it's interest free I wonder should I really bother?
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# 15 : Thursday 23-3-2017 @ 11:37
 
 
I'm much better at it these days. I was rubbish in my 20's though.
I use the AIB app daily and it shows me exactly what I'm doing with my cash (and I can adjust accordingly).

I've no credit cards and only spend what I have in the bank or pocket.
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