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July 28th, 2013 at 02:20 pm

My total snowflakes for July are £9.23. I've done better but I can't complain. However, I don't know how much longer I can keep it up since we are in a dire situation here.

This is DH's second pay since reducing his hours by 5hrs/wk (£100 four-weekly) At the beginning of the month I had to give him money out of savings to cover his shortfall, so I thought he was ok. Nope, he went into his unauthorised overdraft and was charged £5/day. Fine will be taken out either this month, or next. Well we've got the same problem this month. Tomorrow we're going to go over hubby's outgoings with a fine-tooth comb. (We don't have a joint account) Well, hopefully we will. The problem is that he doesn't know exactly what is coming out of his account, whereas I do. Hubby is currently working a nightshift after being at work all day (nobody was in) so he might not be alert enough to discuss but it needs to happen. It's stressing me out.

I also have a shortfall of roughly £50 in my budget, although I'm not as worried since I can - hopefully - alter my variable expenses to spend as little as possible.

Wish me luck for the next four weeks. I'm going to stretch our pennies as far as they can go. I had leftover pasta for dinner, and hubby will finish it tomorrow.

I forgot to meal plan. Off to do that now.

3 Responses to “Update”

  1. mamasita Says:

    Ugh, can DH go to cash only since he has trouble tracking the account purchases with his card? That has helped me focus better on my spending in the past. Otherwise, I would make sure that I got household money from DH put into your account, so if he continues to over draft his account, at least the household monies are not in jeopardy.

  2. IndianGal Says:

    I agree with Mamasita. It is really easy to overspend if one is using a card. It is much easier to stick to a budget if he is using cash. I don't know if you have considered a joint account - it might be easier to track his spending that way. However, if he continues to use the bank card, it might be wiser to keep them separate in case he goes into overdraft on your joint account.

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