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Well I had to step outside just to get access to my voicemail. Annoyingly it was the delivery company that left 2 voicemail to me and luckily they still planned the delivery and driver still turned up.
I may consider switching myself to be fair, i've been with Three for almost 10 years now. Although I don't think any network provider coverage is that good in my area.
Struggling to get a signal just to ring the voicemail number, even my partner on giffgaff(o2 etc) struggles to get a decent signal.
I've accessed my voicemail on a few occasions dialling the number (123) and its only recently they are asking me to re-do my pin code and record a voice message? Which I have never needed to do before.
Maximum way to survive in the house is just leave all your blinds/curtains down to block out sun and then prey your fan can keep you cooled down enough.
Oh I get that I just meant in general for excess you can budget however much you want to put into saving and then for disposable.
Fancy expensive restaurants are overrated, basically paying for presentation and "higher" quality ingredients used at the end of the day.
But yeah..apparently you...
I get banking apps show your expenses but its still nice to have it all on a spreadsheet all totalled for you to subtract it to your paycheck.
Makes it a lot easier to figure out how much "excess" you have left to put towards saving and for leisure.
For sure that is the the general consensus...
Once i've paid off some debt near the end of the year I would be putting that into a savings for sure.
Everyone should try and put some money into a emergency funds of some sort but you know..a lot of people don't know how to use a spreadsheet to do basic breakdown on expenses to workout how...
I would only do that if I had a few months saved if I know I am in the long waiting game to getting another job, which for a lot of people would be a long waiting game to get another job.