Top tip: Sit down now and work out a new budget - write down what is coming in, and what normally goes out and look realistically at what you can save.
Most people do not work to a set household budget and it's a pity because generally you can always make whatever is coming in work if you plan in advance.
Then forecast your cashflow. That way you can see potential cash poor times and juggle your spending sensibly and without getting into debt difficulties.
*is envious about the snow*
General thoughts:
You can now save on childcare.
You can cook cheaper because you have more time to spend on slower dishes with cheaper cuts of meat for example.
You save on gas and car use. YOu could (if it is close enough) now walk Charlie to school instead of driving (depending on the distances involved).
Those are a few "off the top of my head" thoughts - though they might not be appropriate for you.
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ninetydegrees
no subject
on 2005-12-06 04:11 pm (UTC)Most people do not work to a set household budget and it's a pity because generally you can always make whatever is coming in work if you plan in advance.
Then forecast your cashflow. That way you can see potential cash poor times and juggle your spending sensibly and without getting into debt difficulties.
*is envious about the snow*
General thoughts:
You can now save on childcare.
You can cook cheaper because you have more time to spend on slower dishes with cheaper cuts of meat for example.
You save on gas and car use. YOu could (if it is close enough) now walk Charlie to school instead of driving (depending on the distances involved).
Those are a few "off the top of my head" thoughts - though they might not be appropriate for you.