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Dang it, getting paid once a month is really irritating. I feel like I didn't budget very well - maybe I just had no idea what it would really cost two people to get through a month at London prices. The sad thing is that most of our "big" expenses have been paid for out of our US cash reserves - and yet we still dipped into the emergency fundage here. Grr. I'll have to sit down and figure out where all of the money went (some of it to higher than expected utility bills - was NOT thinking I'd be hit for three months at a time from the phone company) and how we can trim down. Needless to say this is affecting my planning for Christmas.

What I wish I had that I would have bought by now if I weren't (effectively) broke: month long tube pass, a real phone (not one requiring top ups all the time), a gym membership, some touchup on my hair, a pair of boots (the ones I wear every day are wearing down at the heels), and a wireless router. At least I'll have more boots when our stuff shows up, but man, I do not like living like this. Sure hope shadowdaddy gets a job soon.

Comments

( 10 comments — Leave a comment )
xxxlibris
Nov. 24th, 2006 08:58 am (UTC)
Some of these things (ie. the boots) you'll be able to get dirt cheap in the post-Xmas sales - hang in there!
valkyriekaren
Nov. 24th, 2006 09:34 am (UTC)
Phone and utility companies can normally be persuaded to take payments by monthly direct debit, which will help with budgeting. Give them a call and ask.
webcowgirl
Nov. 24th, 2006 09:51 am (UTC)
Well, my worry there is they would debit me and put me in the red. I'm not quite comfortable enough with my balance to set this up.
julietk
Nov. 24th, 2006 10:51 am (UTC)
Some companies (e.g. our electric people) arrange a specific amount that they debit you & will contact you if they intend to change this. So at least you know how much you expect to go out monthly, that way. Would that help?
reddragdiva
Nov. 26th, 2006 01:05 pm (UTC)
When Npower did that to me, energywatch.gov.uk LARTed them so bloody hard their heads were spinning, and npower sent me a £30 cheque to end the matter there.
(Deleted comment)
webcowgirl
Nov. 24th, 2006 09:52 am (UTC)
I really hate direct debit as it doesn't give you a lot of control over your cash flow.
cookwitch
Nov. 24th, 2006 10:15 am (UTC)
You can actually set up a standing order with some companies, where YOUR bank pays THEM, they don't take it out of your bank account, so the amount won't change unless you instruct the bank to do so. Annoyingly though, you only get a discount on utlilities if you pay by DD.

Doesn't your firm offer you a travel pass scheme? Some companies give you a season ticket loan so you can buy a yearly ticket, and then they take it back out of your monthly salary.
webcowgirl
Nov. 24th, 2006 03:50 pm (UTC)
They do the travel pass thing, though I can only do this after December 12th (need to pass probation). But that's only a £10 savings a month over just getting a monthly pass - do you get it tax free if you do the payroll deduction thing?
cookwitch
Nov. 24th, 2006 03:54 pm (UTC)
Only ten pounds saving? Hmm. No, you don't get it tax free if you get it though the firm. Basically they pay up front and you spread the payments out over the year.
(Deleted comment)
webcowgirl
Nov. 24th, 2006 03:50 pm (UTC)
miss you, kitten
I'll try to remember to be patient.
( 10 comments — Leave a comment )

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