Living within a budget

Can i have some hints for this please. I have to do this for the next 3 months and i'm a bit scared about it.

Nigel has and it scares me a bit, he has left me a bit of money so I don't go crazy.

I transfer all my money into one account then pay myself a set amout weekly, and never go over that. I am really strict on what i spend, a set amount on petrol and groceries, and i pay $25 on all my bills weekly rather than wait to recieve a bill. I find that helps me heaps and on phone and power i am always heaps in credit, then if i need extra money for something else i can take a break from my bills and not get behind.

Willie does the gold coins in a tin thing, he has about $500 so far, but I keep getting into it for lunch money for Maya coz I never have cash on me.

We don't have a budget, I just spend and then panic at teh end of the month when all the bills are due. It helps that I have several different paydays throughout the month (some from WINZ, some from IRD, work money etc.) so can usually wing it. I do transfer any spare money at the end of the month into savings.

We pay a set amount to phone and power each fortnight so we are in credit for both. We also have a few seperate online accounts through our bank (which cost us nothing) to put aside money for rates/car bills and savings. We also transfer a set amount of money onto our credit card for the supermarket so then we also collect hotpoints when we do our shopping (then we get vouchers for our hotpoints to buy soemthing nice for us (last summer we got a BBQ)

I find I get on a roll with ways to manage money

ok i need seriuos help,..I did the calculator on sirted,..and yep suprise suprise we spend more than we earn,...and most of the speding collums were blank,..well all the good stuff like ammound spent on clothes, movies, nights out etc etc = $0!! It all goes on stupid bills!

Right Im about to book our flights to Auckland now,..enough talk!! Opps!

The sad thing is that is how I did run things the Emma way - worked well for me but DH wants it to be a little bit better than that.

and take a calculator to the grocery shop, it saves me sooo much.

We have a safe with envelops for all our bills and take all our money out each week. I transfer a wee bit for savings (for xmas and birthdays) and the rest is spending. Once you have done it for a few weeks its fine.

What is Shop'N'Go Becks? I shop at Pak'N Save and I've never heard of it but it sounds intriguing!

We have a budget after buying a house. I have an Excel spreadsheet set up which sets out what is getting paid when. The majority of expenses are paid fortnightly (I get paid fortnightly, so we have a big amount coming in then). We have a few different accounts that I transfer money between using online banking - car account (fuel and maintenance money goes in here), insurance account, savings and then our everyday account. We don't have a set amount of spending money as such, but if we want to get something and the money is there, we get it, it's just we let the other person know that we've spent that money. I manage most of the finances, and DP usually asks me if there's enough money for smokes/groceries or whatever else he wants, and I say yay or nay. It works really well for us. To be honest, we haven't found it that difficult living on a budget, even though our mortgage/rates/insurance payments are over $250 a week more than we were paying in rent. It's all just slotted in. We also pay our rates by AP weekly.