Sparklykid, some utility companies get in to a panic if the account falls in to arrears and increase the amount of the direct debit. As my contract ends in September and I change every year I don't have time to build up credit during the summer months. I prefer to pay the balance and keep my direct debit low. Of course at the end of the contract I am in credit and get a refund.
Sparkly -what does your wife think of your daily budget? Does she have to go look to see if you have enough daily allowance so she can go buy herself a pair of tights? I bet you drive her mad. :-)
Mrs Z has phone banking. It alerts her every time our debit cards are used so she often messages me to say 'Had a nice lunch from so-and-so?' No chance of doing anything dodgy have I! Not that I'd want to, of course.
Nope, don’t have any kind of budget at all.
We spend what we spend on food, if we need some clothing or shoes we just buy them, all bills are paid by direct debit.
Nope. Never have had a budget. I know exactly what we have or haven't got available and what we have in savings. During lock down, we have spent far more on food and very little on anything else, so my trips to Amazon are quite frequent to compensate for lack of any entertainment.
Before covid, we had took an amount of money from our account to spend on bits and bobs. Now, we hardly ever use cash and flashing my contactless card around sometimes feels a bit reckless. I'd prefer to have money in my pocket/purse and when it's gone, it's gone.
TTT - State pensions are paid 4-weekly, not monthly, so sometimes you get two payments in a month and the date of the payment is different every month by a day or two.