Now I've discovered that I'm returning to full-time work in October I have started to think about our new budget. I'm amazed at how well we've coped on statutory maternity pay and the last two months with no pay at all. I did save some money while I was pregnant to cover the bills etc but I've managed to open an ISA with what we haven't touched. This made me wonder what we used to spend our money on...
I've been doing a bit of research into budgeting and I am quite taken by zero based budgeting. The gist of it is you allocate all your pay to different categories and technically have nothing left at the beginning of the month. You have to factor in your 'fun money' and haircuts, dentists etc but I like the idea of it and think it could work for us. This way I get to choose the overpayment we make on the mortgage rather than it just being whatever is left over at the end of the month.
You can read more about zero based budgeting here.