-£6016.93 D …we’re getting there! Things are good despite the fact that Joel is unemployed and we are reliant on my wage – which for the past 6 years has been very wobbly and some months non-existent. We are also living to quite a big extent off the generosity of some very good friends who have committed to supporting us through a few months and from that we’ve just had to get good at budgetting. We’ve never before finished a month with anything left over – so our budgetting strategy has basically been ‘when its gone-its gone’. Now we are able to put everything into one big savings account and transfer over set amounts into our other 4 accounts for various month costs at the start of each month . Its so simple. (and means I have a whole account just for presents… which is why Christmas 2011 shopping is amazingly easy!)