How to Budget Your Money
I have spent all morning going over my budget. I have managed to reduce some costs since last year including car insurance, TV satellite . I call the provider up every year saying that I'm going to terminate the contract so that I can get a better deal !
My electricity bill is constant and hasn't gone up. My food bill has
gone up quite drastically which means that I'll have to reduce it. Food is very expensive over here and most of the vegan options are quite pricey.
The running costs in the appartement building have gone up drastically because the board wants to overspend. We used to have a cleaning firm for 540 € per month and the new one costs 1300 €. The man doesn't even bother to go upstairs to hoover and wash the floor and sometimes leaves the dustbins outside overnight ! All of this is normal and nobody complains except for me!
They are requesting that the entire walls of the building be redone which would cost me around 4000 € !!!!
I'm fed up of living in an appartement building and have people decide on how money should be spent. This is one of the reasons why I would like to own a house.
I have another 36 payments towards my mortgage. There is no point of paying it off in one lump sum as it is 0 % interest.
Shyva's vet and medication fees have also gone up drastically due to her illness.
My goal is to reduce the food bill, try and find some odd jobs and save more money. I would really like to buy a small house or ground floor flat with a garden.
I find that it is so much easier putting everything down on a sheet of paper and seeing how much you can save per year.
How do you budget your income ? Do you try and save money and look for deals ? Do you try and reduce your expenses or just hope for the best ?
I often feel like a loner and the only person who bothers to budget compared to my friends and acquaintances.
I have spent all morning going over my budget. I have managed to reduce some costs since last year including car insurance, TV satellite . I call the provider up every year saying that I'm going to terminate the contract so that I can get a better deal !
My electricity bill is constant and hasn't gone up. My food bill has
gone up quite drastically which means that I'll have to reduce it. Food is very expensive over here and most of the vegan options are quite pricey.
The running costs in the appartement building have gone up drastically because the board wants to overspend. We used to have a cleaning firm for 540 € per month and the new one costs 1300 €. The man doesn't even bother to go upstairs to hoover and wash the floor and sometimes leaves the dustbins outside overnight ! All of this is normal and nobody complains except for me!
They are requesting that the entire walls of the building be redone which would cost me around 4000 € !!!!
I'm fed up of living in an appartement building and have people decide on how money should be spent. This is one of the reasons why I would like to own a house.
I have another 36 payments towards my mortgage. There is no point of paying it off in one lump sum as it is 0 % interest.
Shyva's vet and medication fees have also gone up drastically due to her illness.
My goal is to reduce the food bill, try and find some odd jobs and save more money. I would really like to buy a small house or ground floor flat with a garden.
I find that it is so much easier putting everything down on a sheet of paper and seeing how much you can save per year.
How do you budget your income ? Do you try and save money and look for deals ? Do you try and reduce your expenses or just hope for the best ?
I often feel like a loner and the only person who bothers to budget compared to my friends and acquaintances.
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