Re: budgeting
To be honest Sean it sounds like your over complicating a little. Budgiting just means checking what is coming in, vs what you spend. You can do this fairly easily at your bank, with a bank statement, doing online banking if you wish or whatever. I do mine in my head, though alternatively you can just right the numbers down in any old program and add them up.
I myself go to the bank occasionally and measure my encome support vs my billls just to check what I'm doing though it usually works out fine in my case sinse I don't tend to use much money on stuff, heck, even living in a small flat is a bennifit sinse my electricity and heating bills are far less.
What I would personally do is take your income then take off everything that is automatically paid out, ie, water, electricity, gas, tax if you pay it, possibly your phone and internet. Then, look at what you have left anddecide what your going to spend on what.
I don't personally make a set food budgit, or a set budgit for necessities sinse it is usually better to buy such things in bulk. For example I have several tins of baked beans in my cupboard which I bought in a pack of 8 as it was cheaper than doing so individually. I will buy various things to go with them over the while, but having them bought in bulk takes off the general price. similarly, instead of budgiting for toilet paper as a necessity, I grabbed two packs of 8 and stick them in my out cupboard. Those will last a good long while, so i don't need to factor them in individually.
Similarly, with meat, it would be very expensive to buy a pack of mince beef everytime I wanted to make chilly, but when I last went to the supermarkit Minced beef was on offer in huge 1 kg bags at £5 for two, and considering each bag will make me enough meals (with some cooking sauce and some kidney beans chucked in), for two or three days, then budgit wise it's far easier to do that way.
This is why I personally tend to budgit based on "necesary outgoings" vs "disposable amounts" and in the disposable colum count pretty much everything else.
Btw, if you really! want to save money, the best way is not to spend it .
This is actually why I usually myself happen to have money for things when things come up, such as my recent Victor stream, simply because I don't tend to spend very much normally. Of course it does help that in Britain I think the ennifit situation is much better than in some parts of the world, and that of course I do have the advantage of living in a councel property and thus having no rent, (or rather my housing bennifit pays the rent), though I still have utility bills.
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