Centrepay confusion...

[briggsy's girl]

Maybe see if they will take some out if each payment I stead of all out of one. If they won't, as has been mentioned, you might just have to chane the way you budget. Put money in a seperate bank account to cover the expenses or set up centre pay from your ftb for things like phone and electricity if available. It really should only be a problem once. You put the money aside from your ftb the following week which then has the money to cover you the next week when your payments are due. Then you out it aside again. You just have to resist the temptation to over spend because the money is there...

I pay as much as possible via centre pay simply because I know dh struggles to not spend if money is there. So I get where you are coming from. You just have to learn to be strong and maybe move it to a second account that you don't have ATM access to if need be.

[peanutter]

Good suggestions already.

Otherwise, I'd ask the landlord if next fortnight you could pay 1 week, and the following week pay 2 weeks and pay on the pay week from then on.

[Tinks]

Can you scrap Centrepay and set up your own direct debit to come out on your FTB pay day?

[~clover~]

That's what I was thinking of doing Tinks.

Peanutter, not an option. I pay via centrepay to government housing. They'll only allow the payment from that pay. State government won't allow it to come from my other payment.

I can definitely work it all out & rebudget, but I've always made my money around even by splitting my payments between the weeks so after so many years, it will take some getting used too. Its just not in my comfort zone ITMS. I've always made sure I didn't have to struggle between fortnights.

My power & all other bills are either direct debit or centrepay & all out of my FTB or weekly. Phone bill I should probably see if I can pay $20 a week off, then not have the huge end of month bill, but that's about the only thing I can change.

Will ask them about the direct debit, but otherwise I'll just have to manage.

[briggsy's girl]

Maybe change the weekly stuff to fortnightly out of ftb so you are moving even a little to other week....

[~clover~]

The only thing weekly is my $21 for radio rentals. That's why I didn't bother. But I forgot about my $20 I pay by DD off my power a week. That's $40. Those are the only 2, but a difference! I finish paying RR next month too I think.

better than nothing.

[briggsy's girl]

Yeah it's hard to think what can be moved around, but worth it to wriggle things a bit. I have set up a spreadsheet with everything on it (even down to the little things like prescription medication costs) - and we love to that budget and I know exactly what comes out where

And if we overspend one week, I can show dh why he has to be a reeeeeeally good boy the following week to make up for it