#Happy money saver free#

Subscriptions: ВЈ9 Netflix, ВЈ8 Amazon Prime, ВЈ30 pet food subscriptions, ВЈ20 annual Good Club membership, ВЈ49 monthly probiotics, ВЈ20 cat insurance (my half of the split), ВЈ100 dietician (food anxieties in light of ongoing gut/health issues), ВЈ100 therapy sessions (grateful to have a discounted fee as I am working with a post-doc student). This includes ВЈ64 council tax, ВЈ23 water, ВЈ24 gas and electricity and ВЈ14 broadband. We named our famous twin pops Budget Saver to emphasize that you shouldnt have to spend a lot of money to make your family smile. I pay ВЈ125 in bills (which is my half of the split with S). Pension status: I contribute 8% of my salary monthly and my employer contributes 5%.ДЄll other monthly expenses: My phone bill is covered by work and costs ВЈ18.

Problems paying your bills Understand your options. Managing on a low income Get the most out of your money. Save for an emergency fund Be prepared for lifeвЂ™s surprises. Urgent help with money If youвЂ™re struggling or in crisis.

#Happy money saver free#

I automate the rest of my paycheque towards my ISA every month. Financial counselling Free help to sort out your money. IвЂ™ve not changed my outgoings drastically for several years so I am grateful that I can invest 50-55% of my paycheque each month. Most of my investments are in a couple of low-cost index funds but I also have about ВЈ20k in stocks and crypto. Savings? I have more than ВЈ140k saved, primarily in investments (though some of this is my pension pot). Knowing that he wouldnвЂ™t have $20 by the end of the day, but not wanting to wait, he went into critical thinking/problem solving mode.В Would I help him look through the watches again to see if there was one heВ hadВ enough for?В HeВ had a problem, he went off and thought about it, and came up with a pretty clever solution.Housing costs: ВЈ845 (proportionate percentage of my rent). This might be my favorite part of our little exercise. SoВ I stuck to my guns вЂ“ I provide needs, youвЂ™ve gotta figure out your wants ? (IвЂ™m not saying I donвЂ™t cave now and then вЂ“ my kids do sometimesВ break through my rock hard reserveВ lol!) Solving His Problem I donвЂ™t like having to wait to buy something I like, but itвЂ™s important to leave your savings alone and only buy things that you have enough spending cash on hand for, even if thatвЂ™s a really hard thing to do. He was disappointed and frustrated, andВ I sympathized вЂ“ waiting and saving are hard to do. (IвЂ™m pretty sure heвЂ™s thinking of organizing a chores union lol!) I DonвЂ™t Have Enough! Now What?Дuring the course of the afternoon he randomly decided to do a few extra chores to see if he could bump up his total вЂ“ yes! I like where your headвЂ™s at, kiddo! But he pretty quicklyВ realized that at the meager rates mom & dad pay, he wouldnвЂ™t be reaching his goal that day. This brought him to almost $17 вЂ“ uh-oh, not enough for the watch. Since the two piles looked roughly even weВ estimated that the leftover pennies equalled one more dollar. When we got to the pennies I thoughtвЂ¦ainвЂ™t nobody got time for that!В WeВ counted to 100 once, then compared that pile to what remained. Repeat with remaining quarters, ticking off another number on his chart, and so on through the quarters, dimes & nickels. Our Lending Partners offer fixed rates between 5.99 APR and 24.99 APR for loan amounts from 5,000 to 40,000. DBA Payoff, 1700 Flight Way, Tustin, California 92782. He started with quarters and using the card, we counted 4 quarters, ticked off the number вЂњ1вЂќ on his chart, then dumped the quarters in the jar. Our mailing address is: Happy Money, Inc.