In order to work out
where we can save money we obviously first have to work out
what we are spending it on!
Here is my list so far:
- food
- household consumables
- furniture & furnishings
- medication
- fuel bills
- water
- community tax
- phone bill/mobile phone bills
- diesel
- car maintenance/tax/insurance
- entertainment/dvd's
- days out/holidays
- dates
- technology-new computers or software/ purchasing mobile phones
- toys, books & games
- gifts to friends & family
- charitable giving
I will probably need to add more categories as they come up. There is so much more to managing the family's finances than I previously realised, mainly due to the fact that mu Husband has paid most of the bills. However, it is still my responsibility to make sure that these bills aren't any larger than they need to be. Any savings will affect us all in the future, however small they will be appreciated.
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