FabSwingers.com mobile

Join us FREE, we're FREE to use

Web's largest swingers site since 2006.

Already registered?
Login here

Back to forum list
Back to The Lounge

Financially Skint

Jump to newest
 

By (user no longer on site) OP   
over a year ago

Is January the worst month of the year financially? Do people save money throughout the year for Christmas? Or do you just spend in December and struggle?

Reply privatelyReply in forumReply +quote
 

By *rightonsteveMan
over a year ago

Brighton - even Hove!

I'm constantly about £500 overdrawn and have been for months. I can't get out of it.

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

Times are tight here, no spare cash to save at the moment.

No biggie as long as we pay the bills.

Reply privatelyReply in forumReply +quote
 

By *tarbeckCouple
over a year ago

york


"Is January the worst month of the year financially? Do people save money throughout the year for Christmas? Or do you just spend in December and struggle?"
I put some money away every month starting in January

Reply privatelyReply in forumReply +quote
 

By *oncupiscentTonyMan
over a year ago

Kent

No council tax zero sock expenditure and a larder full of cheeseboards and half price ham joints, perfect time to save.

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

I put money away every month for Christmas and also for the School uniform purchases in September.

I also put a small amount in a savings account for both my children every month, plus a small amount gets paid into a credit union in case of a financial emergency.

Reply privatelyReply in forumReply +quote
 

By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum

I had £400 left at the end of December. I have no idea how.

Reply privatelyReply in forumReply +quote
 

By *oncupiscentTonyMan
over a year ago

Kent


"I had £400 left at the end of December. I have no idea how."

Remember that gas bill you meant to pay but was in a hurry...

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I'm constantly about £500 overdrawn and have been for months. I can't get out of it. "

Glad it's not just me!

Reply privatelyReply in forumReply +quote
 

By *llNatural36FWoman
over a year ago

Denbighshire

I save my £2 coins and just use them for an emergency or buy something I need. Always try to save something throughout the year

Reply privatelyReply in forumReply +quote
 

By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum


"I had £400 left at the end of December. I have no idea how.

Remember that gas bill you meant to pay but was in a hurry..."

Lol nope. I pay every bill with monthly direct debit.

What's even weirder is that I was overdrawn in October. I must have done some nifty money management in December.

Reply privatelyReply in forumReply +quote
 

By *rs mischiefWoman
over a year ago

Manchester

Every month I scrape by through the skin of my teeth! I did however put away each month for Christmas last year and will be doing the same this Year and as someone has said all my bills are paid so.... I'll just eat beans on toast till pay day !

Reply privatelyReply in forumReply +quote
 

By *yldstyleWoman
over a year ago

A world of my own

Totally poor but its like that all year for me. There is,always something.

Thats just life though.

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I save my £2 coins and just use them for an emergency or buy something I need. Always try to save something throughout the year "
We do this too usually pays for the car tax

Reply privatelyReply in forumReply +quote
 

By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

Now our kids are grown up, we've downsized and we're finally a bit sensible about money Christmas and January aren't the problem they once were.

Reply privatelyReply in forumReply +quote
 

By *ndyuk7Man
over a year ago

newcastle upon tyne

i save up and treat myself as theres only me

Reply privatelyReply in forumReply +quote
 

By *ackDMissMorganCouple
over a year ago

Halifax

I've just started that 365 day challenge,you save 1p on first day,10p on 10th day etc .Leaves you with over 600 quid.

Miss

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

i worked throw Christmas so im ok this January as i get paid mouthly x February and March this year is hard months for me x

Reply privatelyReply in forumReply +quote
 

By (user no longer on site) OP   
over a year ago

We get paid 5 days earlier in December, which deffo does not help, but am glad I done 2 extra shifts at Christmas as I don't celebrate it, and wanted 1 of the staff who celebrate spend time with family, and just got paid £200 today which is such a bonus.

All we seem to do in this country is work and pay bills, outgoings outgoings and outgoings

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

I know not everyone's circumstances are the same but what about savings? Does anyone put any money aside every month for the 'future' or is that not counted in when you say 'skint'?

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I've just started that 365 day challenge,you save 1p on first day,10p on 10th day etc .Leaves you with over 600 quid.

Miss"

That sounds like a good idea

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I've just started that 365 day challenge,you save 1p on first day,10p on 10th day etc .Leaves you with over 600 quid.

Miss"

That's a really good idea!

Reply privatelyReply in forumReply +quote
 

By *uckandbunnyCouple
over a year ago

In your bed

Budget over the year.

Never spent more than I had for Christmas.

I love the holiday, but I'm not going to go broke for a few pressies.

This year we splashed out more than usual. Which present went down best?

A £15-£20 toy over all the rest.

Reply privatelyReply in forumReply +quote
 

By *yldstyleWoman
over a year ago

A world of my own


"I know not everyone's circumstances are the same but what about savings? Does anyone put any money aside every month for the 'future' or is that not counted in when you say 'skint'?

"

2 jobs and 3 children. I wish I could afford to save!

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I know not everyone's circumstances are the same but what about savings? Does anyone put any money aside every month for the 'future' or is that not counted in when you say 'skint'?

"

We're on one income at the moment so there is no savings and there's no spare to make any savings. We make sure the bills are paid before anything else.

Reply privatelyReply in forumReply +quote
 

By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum


"i worked throw Christmas so im ok this January as i get paid mouthly x February and March this year is hard months for me x"

I get Feb and March off paying council tax and water bills. That helps a lot!

Reply privatelyReply in forumReply +quote
 

By *est Wales WifeCouple
over a year ago

Near Carmarthen


"

All we seem to do in this country is work and pay bills, outgoings outgoings and outgoings"

Which is exactly how the current elite establishment want it to be. In the UK The richest 10% of households hold 45% of all wealth. The poorest 50%, by contrast, own just 8.7%

If people keep voting for these same people (public school educated etc) and supporting the status quo the situation will get worse. People, in the main, are too stupid to see what is actually happening.

Reply privatelyReply in forumReply +quote
 

By (user no longer on site) OP   
over a year ago


"Budget over the year.

Never spent more than I had for Christmas.

I love the holiday, but I'm not going to go broke for a few pressies.

This year we splashed out more than usual. Which present went down best?

A £15-£20 toy over all the rest.

"

You must know how to budget, you could be a financial advisor, well a hot one as your pics are emaculate

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

I'm rich, peasants

Reply privatelyReply in forumReply +quote
 

By *urvymamaWoman
over a year ago

Doncaster

No I'm well off at moment and bar the one present I ask my kids to write to santa for I've just finished my xmas shopping for next year! Gotta love the January sales

Reply privatelyReply in forumReply +quote
 

By *heRealMccoyMan
over a year ago

london


"I'm rich, peasants"

Haha

Reply privatelyReply in forumReply +quote
 

By *heRealMccoyMan
over a year ago

london


"No I'm well off at moment and bar the one present I ask my kids to write to santa for I've just finished my xmas shopping for next year! Gotta love the January sales "

Thanks Hun , I better make sure I get you one then x

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

I hate the fact that people feel the need to get into debt, or skint themselves due to Christmas (angry face)

It boils my blood when the adverts start in September for credit for the perfect magical Christmas (even angrier face)

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I hate the fact that people feel the need to get into debt, or skint themselves due to Christmas (angry face)

It boils my blood when the adverts start in September for credit for the perfect magical Christmas (even angrier face) "

Then in January come the sales adverts for spring collections and payday loans rammed in our faces.

Reply privatelyReply in forumReply +quote
 

By *rank n BettyCouple
over a year ago

Not meeting

I get paid 2 weeks early in December. Had to remember to move money into another account - then move it back!!!

Reply privatelyReply in forumReply +quote
 

By *ittle_brat_evie!!Woman
over a year ago

evesham

I save into a thrift scheme at work each month which pays out at the end of November ish. I house this for my Christmas shopping.

Reply privatelyReply in forumReply +quote
 

By *rightonsteveMan
over a year ago

Brighton - even Hove!


"We get paid 5 days earlier in December, which deffo does not help, but am glad I done 2 extra shifts at Christmas as I don't celebrate it, and wanted 1 of the staff who celebrate spend time with family, and just got paid £200 today which is such a bonus.

All we seem to do in this country is work and pay bills, outgoings outgoings and outgoings"

Lend us £400

Reply privatelyReply in forumReply +quote
 

By *rank n BettyCouple
over a year ago

Not meeting


"We get paid 5 days earlier in December, which deffo does not help, but am glad I done 2 extra shifts at Christmas as I don't celebrate it, and wanted 1 of the staff who celebrate spend time with family, and just got paid £200 today which is such a bonus.

All we seem to do in this country is work and pay bills, outgoings outgoings and outgoings

Lend us £400 "

Never a lender or borrower be!!

Trust me, I'm a debt collector

JG x

Reply privatelyReply in forumReply +quote
 

By *rightonsteveMan
over a year ago

Brighton - even Hove!


"We get paid 5 days earlier in December, which deffo does not help, but am glad I done 2 extra shifts at Christmas as I don't celebrate it, and wanted 1 of the staff who celebrate spend time with family, and just got paid £200 today which is such a bonus.

All we seem to do in this country is work and pay bills, outgoings outgoings and outgoings

Lend us £400

Never a lender or borrower be!!

Trust me, I'm a debt collector

JG x"

I was being flexible with the meaning of the word "lend" - with a bit of financial and lettery manipulation, it becomes an anagram of "give"

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"i worked throw Christmas so im ok this January as i get paid mouthly x February and March this year is hard months for me x

I get Feb and March off paying council tax and water bills. That helps a lot!"

I have only one wage this month, im on zero hour contracts so there dropping my hours down so im going to struggle the next two months x

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

No we aren't skint over Christmas. Due to a fault of the tax man combined with an inept hr department I (mr) paid way too much tax at the start of the year leading to hmrc refunding me about £200 a week since the summer. Despite some slightly extravagant spending and a bit of unemployment for mrs on account of moving we've still got a reasonable chunk of money stashed away having paid for everything.

Having a bit of backup in the account feels like such a relief after not having any money spare for a long time

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

Open another account get the bills and everything in that account and get a standing order into your previous account to get you out of the red

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

[Removed by poster at 04/01/17 18:54:38]

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

I don't specifically save for Christmas but don't go into debt either for it, we do try to live by the motto if we can't afford it we don't have it.

Fred always jokes that I'm a miser but we manage to live perfectly well on one wage for best part of 13 years, and we do save every month.

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

Luckily we have a 4 weekly pay day. Pay day is next week so not too bad tbh

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I've just started that 365 day challenge,you save 1p on first day,10p on 10th day etc .Leaves you with over 600 quid.

Miss

That's a really good idea! "

I started doing this last year and then realised that coming up to Christmas you were going to have to put around £3 a day so thought perhaps it would be better to do it the other way round.

I'm not very disciplined so ended up just putting loose change and the occasional notes in, but still managed to save around £500 which I used for holiday spending money last October.

Reply privatelyReply in forumReply +quote
 

By *ust RachelTV/TS
over a year ago

Horsham

Did save some, but moving house at the end of the month will wipe us out for a while.

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

Quite lucky really bought a house when they were quite cheap and sold at a good price. Also careful spending means I have a buffer in my account.

If I ended up sacked or had to leave work I could go about 6-8 months without needing to find a job.

Fully appreciate it is a nice place to be in and don't envy those in overdrafts

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

I save money for Christmas XXX

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

Im constantly saving....very little entertains me that i feel a need to spend on

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago

We never have much spare cash but December hit us pretty hard, although now we have something to get our finances in order for and on a very tight budget for the next 14 months until after our wedding x

Reply privatelyReply in forumReply +quote
 
 

By *rbrooksMan
over a year ago

birmingham

Ib can't believe the average wage is 28k. Not many round here on that

Reply privatelyReply in forumReply +quote
Post new Message to Thread
back to top