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Getting straight
Rachie004
Posts: 64 Forumite
Hi everyone, I'm new to the board (or a born again newbie, I think I posted briefly many moons ago!)
I've reached a point where I feel like my finances are out of control. I realise some people are in far far worse situations but I'm hoping to get a grip of them now. I know exactly where I have gone wrong - I recently moved house and I've gone just a tad OTT buying pretty things for it. So while my house looks lovely - my finances aren't looking so great!
I have three bank accounts:
an ISA, my current account (complete with overdraft), and a first reserve account (which I set up for 'spends' vs direct debits etc but now have some other savings in there). I also have a credit card. My savings would cancel out my debt but I feel that the debt is something I need to take hold of separately so I can get a grip on my spending habits and change them for the better.
I have been taking advantage of quidco and am now scouring the house for things to put on ebay. I've just started a list of things I'm spending so I can monitor it and hopefully it'll make me thing twice/thrice before I spend! I request to spend lots of time away with my job so I can reduce the amount of trips to work (reducing my fuel costs and getting paid more) and am now considering stealing the loo roll & toiletries from the hotels in a bid to save!
I'm considering going to the bank again to get another account set up for I can have my current account with all the direct debits and bills going out and then a separate one with a allocated budget in there for fuel/shopping.
Also, are these survey websites worthwhile - any recommendations?
Just looking for advice/hints/tips/support really. So, please, impart your wise words of wisdom
Thanks for reading!
Rach x
I've reached a point where I feel like my finances are out of control. I realise some people are in far far worse situations but I'm hoping to get a grip of them now. I know exactly where I have gone wrong - I recently moved house and I've gone just a tad OTT buying pretty things for it. So while my house looks lovely - my finances aren't looking so great!
I have three bank accounts:
an ISA, my current account (complete with overdraft), and a first reserve account (which I set up for 'spends' vs direct debits etc but now have some other savings in there). I also have a credit card. My savings would cancel out my debt but I feel that the debt is something I need to take hold of separately so I can get a grip on my spending habits and change them for the better.
I have been taking advantage of quidco and am now scouring the house for things to put on ebay. I've just started a list of things I'm spending so I can monitor it and hopefully it'll make me thing twice/thrice before I spend! I request to spend lots of time away with my job so I can reduce the amount of trips to work (reducing my fuel costs and getting paid more) and am now considering stealing the loo roll & toiletries from the hotels in a bid to save!
I'm considering going to the bank again to get another account set up for I can have my current account with all the direct debits and bills going out and then a separate one with a allocated budget in there for fuel/shopping.
Also, are these survey websites worthwhile - any recommendations?
Just looking for advice/hints/tips/support really. So, please, impart your wise words of wisdom
Thanks for reading!
Rach x
0
Comments
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Hello,
I don't have much in the way of wisdom, but thought I would say hello! and welcome.
I do surveys and piggy clicks, will try and find links......
xxNevertheless she persisted.0 -
If your Savings would cancel out your debt then surely it would be best (and cheapest) to go back to square one and start again!DEBT FREE - FEB 2010 :beer: (LBM £24,000)
House Deposit 2010 - £2500 / £10,000 Saved
0 -
Ciao surveys,
http://www.ciao-surveys.co.uk/TrafficUI/MSCUI/Page.aspx?pgtid=5&bid=53&cid=5&utcoffset=-1
Toluna surveys
http://uk.toluna.com/home.aspx
And Piggy points
http://www.pigsback.co.uk/pages/4/7/380.aspx?pbq=2061%2c2061%2cVOVSR
none take a lot of time and you make a bit, not much but the vouchers can be good gifts
xxxxxxxxxxxxNevertheless she persisted.0 -
in america they apparently have aversion therrapy the shocks and beatings turn you straight
Slimming world start 28/01/2012 starting weight 21st 2.5lb current weight 17st 9-total loss 3st 7.5lb
Slimmer of the month February , March ,April
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