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  • FIRST POST
    365days
    Need not Want.
    • #1
    • 29th Dec 12, 5:58 PM
    Need not Want. 29th Dec 12 at 5:58 PM
    Hello,

    It seems to me that if I could just keep to buying what I need rather than what I want I would have my finances and debts well and truly under control. So I am sat here asking myself what I NEED and actually it isn't a lot. I don't actually need to buy anything before 2013.

    I will need petrol and I do need to pay my car insurance.(Need car for work) I will need food but am determined to buy only what I actually need. Maybe people would like to add what they actually need for the next few days/weeks etc and it may help others to work out the difference between their wants and needs. Therefore being ultra


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    Last edited by Former MSE Debs; 12-02-2013 at 4:12 PM.
    Hi, weve had to remove your signature. If youre not sure why please read the forum rules or email the forum team if youre still unsure - MSE ForumTeam
Page 25
  • minicooper272
    There seems to be 1copy going on fleabay for 99p at the mo but I'm going to be super MSE and borrow from my library. If I find it useful then I might buy but I've got a whole stack of cookbooks and def do not NEED any more!
    Originally posted by Katzen
    Oh, I never think of the library! I have purchased a copy of the book. It wasn't too bad at 3.60... I might have a look-see at the library this weekend though.

    Oh, also thanks for all the tips people gave me for that series - I suddenly jinxed (or whatever the opposite is) as all 4 seasons became available on Ntflix yesterday. I already subscribe to Netflix, so getting my money's worth!
    • Katzen
    • By Katzen 20th Feb 13, 9:58 PM
    • 348 Posts
    • 1,164 Thanks
    Katzen
    Oh, I never think of the library! I have purchased a copy of the book. It wasn't too bad at 3.60... I might have a look-see at the library this weekend though.
    Originally posted by minicooper272
    i know, I always forget the library too, only went back this month as I joined a book club who meet in there and remembered how good it is. I love books but my shelves are groaning and it does seem like a waste of paper to buy ones I will only read once. Also discovered mine do e-book loans online and I've just borrowed an audio book as I like them for on the sunlounger on hols. Was however disappointed to discover DVD rentals are 2.60pw, if we borrowed a box set, assuming it takes at least 2weeks to watch, it would be cheaper to get a subscription to a streaming service or buy them cheap on fleabay. That said, plenty of books, plenty of knitting, radio to listen to and tv online we do not NEED to spend any money on dvds just yet
    2013- Needs not Wants
    Sale completed 7/6/13 Starting LTV 90%(plus fees) Current 89.4% 151,924.19
    Goal #1 savings 1212.75/1000
    Dec GC 75.62/150 NSD 0/15 Gym 0/5 AFD in December?!
  • The Boss
    Not sure if this one is a need or a want, so must be more of a want. A new pair of cushioned trainers is on the agenda and I have decided to oblige but only after losing 12lbs. Rewarding myself for staying motivated.
    You don't have a "credit score". They do not exist. The number you are referring to is a a random number produced by the credit reference agency using incomplete data to make money out of you.

    Different lenders score applications for different financial products differently so there is no 'catch all' score that determines your credit worthiness. Lenders use data from your credit file and also data from your application form that is NOT recorded on your credit file, such as your salary (a key driver), when assessing your application. Different lenders have different criteria, another reason a "credit score" means nothing -data that is considered good for one lender may be considered bad for another. Or vice versa.
    • catshark88
    • By catshark88 21st Feb 13, 8:11 PM
    • 849 Posts
    • 4,792 Thanks
    catshark88
    Not sure if this one is a need or a want, so must be more of a want. A new pair of cushioned trainers is on the agenda and I have decided to oblige but only after losing 12lbs. Rewarding myself for staying motivated.
    Originally posted by The Boss
    I think that rewarding yourself for very definite hard work & achievement, is a fine plan.
    "Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris
  • minicooper272
    Went to buy a new laptop after work today (need), and annoyingly the transaction was declined. My bank seems to think it's a fraudulent transaction, and has now blocked my card...

    I was really gutted when I got home to find a red royal mail slip on the doormat for a missed package, after I paid an extra 1.50 for next day delivery! But the slip said 'it's in the meter box!', so I braved my arachnophobia to get my new shampoo out, and I'm so excited for showering tomorrow morning! Is it really sad that it's on a par with how excited I'd feel on Christmas Eve as a child?
    • Katzen
    • By Katzen 21st Feb 13, 9:57 PM
    • 348 Posts
    • 1,164 Thanks
    Katzen
    Not sure if this one is a need or a want, so must be more of a want. A new pair of cushioned trainers is on the agenda and I have decided to oblige but only after losing 12lbs. Rewarding myself for staying motivated.
    Originally posted by The Boss
    Could also be viewed as a need Boss, new shoes are a lot cheaper than new knees! Good luck with the weightloss, hope you manage it soon and enjoy those trainers
    2013- Needs not Wants
    Sale completed 7/6/13 Starting LTV 90%(plus fees) Current 89.4% 151,924.19
    Goal #1 savings 1212.75/1000
    Dec GC 75.62/150 NSD 0/15 Gym 0/5 AFD in December?!
  • 365days
    Hi, weve had to remove your signature. If youre not sure why please read the forum rules or email the forum team if youre still unsure - MSE ForumTeam
    • Katzen
    • By Katzen 22nd Feb 13, 7:57 PM
    • 348 Posts
    • 1,164 Thanks
    Katzen
    Love it 365! Got some more of my shizzle on fleabay this week. Was going to spend my gains on some wool at big discount but the store at my mums doesn't stock it so I've been prevented from spending. guess it will just have to go in my car insurance fund then!
    2013- Needs not Wants
    Sale completed 7/6/13 Starting LTV 90%(plus fees) Current 89.4% 151,924.19
    Goal #1 savings 1212.75/1000
    Dec GC 75.62/150 NSD 0/15 Gym 0/5 AFD in December?!
  • minicooper272
    I hear it's a free listing weekend this weekend (can't remember if anyone said it in this forum or not).

    Time to list those items I want more than 99p for!
  • minicooper272
    I must stop going near town at the weekends! I go because I need one or two things, or because I'm bored and want a nosey in the charity shops...

    I had to pay for parking today (I usually walk), then I went a little nuts on yet more toiletries and some cookies from M&S. It's not anything I won't use at least, but just need to get out of this habit of buying things just while I'm there.
    • Katzen
    • By Katzen 23rd Feb 13, 5:59 PM
    • 348 Posts
    • 1,164 Thanks
    Katzen
    I must stop going near town at the weekends! I go because I need one or two things, or because I'm bored and want a nosey in the charity shops...

    I had to pay for parking today (I usually walk), then I went a little nuts on yet more toiletries and some cookies from M&S. It's not anything I won't use at least, but just need to get out of this habit of buying things just while I'm there.
    Originally posted by minicooper272
    Its a dangerous game that mini! I hardly ever go to town as we can get most of what we need out of town but did pop in last week and struggled to behave. Did find a trip to the library satisfied my urge to come home with something in my hands though!
    2013- Needs not Wants
    Sale completed 7/6/13 Starting LTV 90%(plus fees) Current 89.4% 151,924.19
    Goal #1 savings 1212.75/1000
    Dec GC 75.62/150 NSD 0/15 Gym 0/5 AFD in December?!
    • Katzen
    • By Katzen 24th Feb 13, 9:39 PM
    • 348 Posts
    • 1,164 Thanks
    Katzen
    I have been sooooooo good this weekend and have to share...
    Been in Leeds visiting my parents. Mum and I enjoy lots of crafting things and, as always, spent the weekend in craft shops and at a papercraft workshop; and I only bought one scrapbook album and some glue with my Christmas money from my Nana- and nothing else, not even wool! Did manage to get my wool fix as Mum bought me some for my birthday but didn't indulge in any other wool and knitting bits or pretty papers, stamps, glitter or buttons. I don't know if any of the rest of you are crafters, but if you are you will understand how major this is! And if you're not, feel free to mock me
    2013- Needs not Wants
    Sale completed 7/6/13 Starting LTV 90%(plus fees) Current 89.4% 151,924.19
    Goal #1 savings 1212.75/1000
    Dec GC 75.62/150 NSD 0/15 Gym 0/5 AFD in December?!
  • minicooper272
    Well done Katzen! I wish I had your restraint! I keep wanting to get in to crafts, so don't quite sympathise, but I can understand it! I can still persuade myself it's a waste of money as I'll never use it... But it's a great hobby to have.

    I don't feel like a slept much at all last night, even though I did sleep solidly for the whole 8 hours. I was so exhausted I needed a caffeine fix, and I had to buy a diet coke (don't drink coffee). I regretted it, because it left me starving and craving sugar, and I spent a further 1.20 on sweets to get the sugar hit Early night and no sweeteners tomorrow!
  • MissMelLady
    I got a permanent marker and wrote on my Debit and Credit card: "DYNI?"
    (Do you need it?) that way whenever I take my card out to purchase an impulse buy it makes me think...

    Sealed Pot Challenge #2035 40.70
    Weekly Spend Challenge w/c 10th November - 3.90/30.00
    Debt free since 17/10/2013
    • catshark88
    • By catshark88 25th Feb 13, 8:14 PM
    • 849 Posts
    • 4,792 Thanks
    catshark88
    I got a permanent marker and wrote on my Debit and Credit card: "DYNI?"
    (Do you need it?) that way whenever I take my card out to purchase an impulse buy it makes me think...
    Originally posted by MissMelLady
    What a great idea!
    "Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris
  • flyinggiraffe
    I do not need festival tickets
    I do not need festival tickets
    I do not need festival tickets
    I do not need festival tickets

    I do not need festival tickets
  • Skint but Optimistic
    Well, I dont want to spend anymore money but I suppose I need to. A filling has come out and you know what that means!
    Debt free date August 2019- working on it! Current Debt 33020.97 Focus - saving pots & Aquacard Central heating saved - 554/ 3500 Working towards a future where I am not paying for the past!
  • The Boss
    Could also be viewed as a need Boss, new shoes are a lot cheaper than new knees! Good luck with the weightloss, hope you manage it soon and enjoy those trainers
    Originally posted by Katzen

    Tis true, but I have a fair few pairs that are newish. I am only 8 pounds from my target now so will be forking out by mid March with any luck.
    You don't have a "credit score". They do not exist. The number you are referring to is a a random number produced by the credit reference agency using incomplete data to make money out of you.

    Different lenders score applications for different financial products differently so there is no 'catch all' score that determines your credit worthiness. Lenders use data from your credit file and also data from your application form that is NOT recorded on your credit file, such as your salary (a key driver), when assessing your application. Different lenders have different criteria, another reason a "credit score" means nothing -data that is considered good for one lender may be considered bad for another. Or vice versa.
  • elly68
    well done boss on getting so close to target,katzan i know lots of crafters so very well done .we are doing well here my amazon gift vouchers are still intact .
    jeez but reckon 30,000 but this will come down
  • minicooper272
    I'm a bit pants at this whole 'need not want' stuff! Yesterday I bought a chair that I didn't really need. It wasn't expensive (3 second hand), but still not a necessity. It's a new month now, and definitely a good time to start over! I might give myself a small wants budget of 20-30, see if that helps, but I don't need anything but food and entertainment for the next couple of weeks.
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