F ing finances

We are in some serious monetary doo doo.

We shouldn’t be.  We should be riding free at the moment with around £400 excess a month.  But for some reason we’re not.  There could be a problem with my bank account, but I doubt it.  The only problem is that I spend too much money on stuff we don’t really need.

Basically, at the moment, I’m on mat leave and we’re only paying child care for one child (don’t even get me started on this). However, in December when I go back to work, we will be paying for two kids.

I already have £243 come out of my account for the childcare vouchers.  My take home is around £614 per month.

I need to pay out another £450 on childcare a month for O…and then £113 on council tax and another £150 on my bills.  Now, even if you’re rubbish at maths (like me) you’ll see that the above will put a large strain on my bank account every month.

Sooo what am I doing…(apart from freaking out)

I’m also trying to budget our food and encourage the purchase of the Sainsburys basic range.  We’ve written a loose menu for a week and I managed to purchase most of what we needed for about £40 so far.

I walk as much as I can to stop burning precious petrol.  With prices rising all over the place, every penny counts.

The only thing I can think to do is to change my hours so that I’m working the same amount of hours that I’m paying for childcare.  At the moment, I work 21 hours a week.  And I pay for 30 hours of childcare.

This will take some thinking about as it will mean more time at work (deep joy).

The Change is about to get bigger.

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2 responses to “F ing finances

  1. Could a family member help look after them for much cheaper?

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