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jack_&_charli
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Joined: 01 January 1900
Location: christchurch
Points: 7155
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Posted: 06 November 2007 at 8:55pm |
no, i lie.....i spend that at pak n save, then i go to funky pumpkin and spend another $20-30 on fruit and veges....cuppatea, where do you shop?
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cuppatea
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Joined: 05 February 2007
Points: 7798
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Posted: 06 November 2007 at 9:02pm |
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Aprilfools
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Joined: 10 August 2007
Location: West Auckland
Points: 1361
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Posted: 06 November 2007 at 9:06pm |
I'm not a fan of Pak'n'Save either. They charge 10 cents for a plastic bag that actually costs less than 1 cent to make and if it breaks on the way to your car they will not refund your 10 cents!!
Plus their stores just look untidy and disorganised.
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emmapea
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Joined: 03 August 2007
Location: Tauranga
Points: 101
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Posted: 06 November 2007 at 9:38pm |
i cant stand pak n save... I dont think it actually saves me any money either. And well I used to work there, so that makes me hate it even more! he hee hee
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emmapea
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Joined: 03 August 2007
Location: Tauranga
Points: 101
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Posted: 06 November 2007 at 9:43pm |
Oh and I hate monthly pays too...! I dont have them anymore though, but only cause I dont get paid for my SAHM job!
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Rachael21
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Joined: 01 January 1900
Location: New Zealand
Points: 4700
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Posted: 06 November 2007 at 9:51pm |
I love pak n save.
I really need to cute down on my spending I spent $250 today ona fortnight shop but then will spend about $50 on fruit veges and milk next week.
Theres a website (which I can't remember) and people manage to go shopping for $21 a week I'm guna check it out and try and cut my bill down, its getting stupid.
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Rachael21
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Joined: 01 January 1900
Location: New Zealand
Points: 4700
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Posted: 06 November 2007 at 9:52pm |
Anyway monthly pays would suck I struggle enough on weekly pays when all our bills get taken out that first day
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fattartsrock
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Joined: 01 January 1900
Points: 6441
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Posted: 07 November 2007 at 8:54am |
its called simplesavings.co.nz, rachandjack
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The Honest Un PC Parent of 2, usually stuck in the naughty corner! :P
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Bobbie
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Joined: 01 January 1900
Location: North Shore Auckland
Points: 6123
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Posted: 07 November 2007 at 8:56am |
We've been struggling a little since my DH's monthly pay in his new job got moved to the same day as mine. It used to be paid a week before mine so we had a bit of wiggle room but no more!
Generally we do ok. We have a budget and we make sure the bills are covered first before we do anything else. But those 5 week months can be a killer!
And lately we've had so many unexpected expenses - including an IRD bill for $550 I'm still trying to sort out.
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yummymummy
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Joined: 01 January 1900
Location: Auckland
Points: 2161
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Posted: 07 November 2007 at 9:01am |
I've been getting paid monthly for years now. Sure it takes some getting used to, but it gets to be a breeze - I don't even notice it any more.
That said, I have arunning budget, with all money coming in and all money going out ie mortgage, weekly bills, monthly bills etc and we stick to it as much as we can. It does help to also budget to have some money left over as it's sooo easy to overspend.
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Kazzle
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Joined: 01 January 1900
Location: Porirua
Points: 3830
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Posted: 07 November 2007 at 9:37am |
we are on monthly pay and have been for as long as i have been with kent.
our tricks are:
we both have a fortnightly budget of $100 each, and all our takeaways, magazines, and other stuff we want (like movies etc )(expect clothing) comes out of that.
We have a food budget of between $100-120 a week
We have a book where we write down everything we have spent out of our account, so we can keep a track of it.
We pay our credit card bill off in full every month.
It took us about 3 mths to settle down into it, but now we just cruise along.
we actually find most months we are saving money, we also put aside money for any big ticket bills we have, like insurance etc, so when they come in we arent hit hard.
It does get easier, and now we dont even notice we aer on monthly pay
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Redbedrock
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Joined: 01 January 1900
Location: Wellington, New Zealand
Points: 1153
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Posted: 07 November 2007 at 10:11am |
[QUOTE=cuppatea] We were monthly paid in the Uk and it took some adjusting for us when we became weekly paid out here [QUOTE]
Same here, it still seems strange having fortnightly pay and bills, especially when Neil and I are/were paid on different fortnights so a dollop of money goes in every week. On monthly pay there always seemed a lot of month left at the end of the money. But you will get your head round it
Edited by Redbedrock
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daikini
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Joined: 01 January 1900
Location: Lower Hutt
Points: 4490
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Posted: 07 November 2007 at 12:53pm |
Spreadsheet and APs to different accounts/Visa here too!
Mind you, we have to live tight... we've just finished finalising our budget now that we have a good idea of what our expenses are living here, and we should have about $10 left a fortnight. Anything left out of the grocery/petrol budget gets left on the credit card for extra-ordinary expenses because we are less likely to just spend it then.
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Becca, mum of 2 girls & 3 boys
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tashzmum
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Joined: 14 April 2007
Location: Ohaupo, Waikato
Points: 565
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Posted: 07 November 2007 at 1:41pm |
i normally spend around $60 a week at the supermarket. but in saying that we dont buy meat and only buy milk for me as i cant drink it out of the vat while preggy.
we live off a super duper tight budget. i think i have mentioned before how much we live off a week-$230, that is for everything except insurance, ph, savings(emergancy money). but at the moment df and i are talking about changing that as we are starting to struggle a bit with trying to save for the twins(not an emergancy so dfs parents wont let us touch the savings, and df needs one of their signatures to access the account.
in regards to being paid monthly(sorry i went off topic)- when we finally go sharemilking(lower order to start with) we will be paid monthly, and while the cows are dry we wont get paid at all.....
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Natasha Jayde, 1-01-05(7lb3oz)
Caroline Elisabeth, 9-04-08 (4lb15oz)
Izabella Kate, 9-04-08(6lb7oz)
Lexi Brenna, 23-01--2011(6lb6oz)
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