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kathyandbub 
Senior Member
Joined: 05 August 2008
Points: 129
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 Posted: 31 December 2008 at 12:36pm |
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i am a shocking shocking spender but as i am buying my own house at the moment and going to study next year that all has to change! i will have to be on such a strict budget as it will only be me living there and paying off the house, but in the long run i no its going to benifit noah.
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lizzle
Senior Member
Joined: 01 January 1900
Location: New Zealand
Points: 8346
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Posted: 31 December 2008 at 3:22pm |
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for those people who are with contact energy - if you do their direct debit thing you automaticaly get the prompt payment discount. we are paying $50 a week (basically cause we were screwed over by their reassessments). If you assess yourself and change your own payments, rather than relying on them - can work out quite well.
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caliandjack
Senior Member
Joined: 10 March 2007
Location: West Auckland
Points: 12487
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Posted: 31 December 2008 at 3:45pm |
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We need to do that, we went into winter with a $200 credit cause we paid regular $50 each week, they wouldn't let us continue with the credit and reduced our payments back to $50 a fortnight, now we have a $1000 bill to get down over the summer. Can't see that happening.
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mummy_becks
Senior Member
Joined: 01 January 1900
Points: 14931
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Posted: 31 December 2008 at 3:54pm |
We have just started that smooth pay with Contact. I am keeping an eye on the bill and the payments we are making and will change it next month if it is out a lot.
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I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
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ginger
Moderator Group
Joined: 01 January 1900
Location: New Zealand
Points: 2714
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Posted: 31 December 2008 at 6:58pm |
Ooooh! Becks! I just noticed your ticker!! GOOD LUCK!!!!!  (and if you transfer your smoking savings to another account, I bet that adds up quicker than your bottles of coke! Hopefully it'll be extra motivation to stick it out too. Just be careful of the lollie trap - it's incredible how many ex-smokers start powering back lollies!  )
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Cuinn Lachlan 23.1.09 - 22:00
Antonia Helene 4.8.11 - 09:41
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Glow
Senior Member
Joined: 19 February 2007
Location: Waikato
Points: 2259
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Posted: 03 January 2009 at 1:19pm |
All the best with the money saving
Here are some saving tips from AMP - small changes can make big money 
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Mummy of Two Boys
B: 2004
K: 2007
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Emily281
Senior Member
Joined: 11 May 2008
Location: Christchurch
Points: 468
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Posted: 03 January 2009 at 5:01pm |
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Just wanted to add that if you want some budgeting software you don't need to buy MS Money. There are plenty of free ones out there. I'm using one called SimpleD. It allows me to enter our income for the month and create a budget. The budget has different categories (eg. House, entertainment, groceries) and you can add your own categories. You set a budget for each category and it shows you what percentage of your income that it. You then go in and enter what you have actually spent and it will show you graphs of budget vs actual expenditure. You can also carry any left overs into the next month.
It's great for my needs - but if you want it to help you track bank accounts you might want something else as this isn't like some of the other programs where you can enter in all your bank accounts.
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TTC#1: Jan 07
Aug 08: Lap found and excised Stage 3 Endo
Nov 08: 2nd lap clear - given OK to TTC after next AF
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money challenge 2009