We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

over spend and over eat

Options
11011131516238

Comments

  • bluejeans
    bluejeans Posts: 552 Forumite
    Options
    Buffythedebtslayer Hiya and i just LOVE your user name its fab. OMG you sound so like me. I do all them things and more.

    look forward to reading your posts and chatting with you.

    Jo x
    1st January 2012 £2500 and 56lbs debts
    22nd Oct 2014 £1500 and 42lbs debts
  • tara747
    tara747 Posts: 10,238 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    Options
    Hi,

    Done a big reply to Tara's post and internet crashed, would take me ages to do it all again, will do it tomorrow as I suspect that Tara is in bed now, she will be exhausted after all that writing!!

    I have not had anything since dinner, no chocolate, sweets or biscuits today, will see how long I can keep this up for.

    Nite all,

    SL x

    Argh, I hate it when that happens!!

    Hope you get to redo your reply, will look forward to it!
    Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs 2/6/17 126lbs
    Save £180,000 by 31 Dec 2020! 2011: £54,342 * 2012: £62,200 * 2013: £74,127 * 2014: £84,839 * 2015: £95,207 * 2016: £109,122 * 2017: £121,733 * 2018: £136,565 * 2019: £161,957 * 2020: £197,685
    eBay sales - £4,559.89 Cashback - £2,309.73
  • tara747
    tara747 Posts: 10,238 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    Options
    bluejeans wrote: »
    Tara747 Hiya Good to have you with us. I just love your plan, very doable and realistic changes. You are sure to succeed, with all this fab help. Girls here are priceless, i feel like the word has been lifted off my shoulders since i have found them all. Look forward to your posts

    Jo x

    Thanks for the welcome, and well done on saying no to Avon!! :T That's great.
    Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs 2/6/17 126lbs
    Save £180,000 by 31 Dec 2020! 2011: £54,342 * 2012: £62,200 * 2013: £74,127 * 2014: £84,839 * 2015: £95,207 * 2016: £109,122 * 2017: £121,733 * 2018: £136,565 * 2019: £161,957 * 2020: £197,685
    eBay sales - £4,559.89 Cashback - £2,309.73
  • bluejeans
    bluejeans Posts: 552 Forumite
    Options
    Well i think thats me caught up ?? If I have missed any new Friends. please forgive me. I will be around everyday now, catching up is hard work. going now to make a coffee. my sister is coming to cut my hair. She is a hairdresser, thats one expense i have never had to pay out. OMG is extortion at the hair dressers. Mind you another one of my spends, is shampoo and conditioners. I think they are going to transform my hair into Rapunzel (cant spell that, but all know the gal) overnight. And considering I have very short blond hair this is never going to happen

    Catch yas all soon

    Jox
    1st January 2012 £2500 and 56lbs debts
    22nd Oct 2014 £1500 and 42lbs debts
  • Skint_Lynne
    Skint_Lynne Posts: 1,363 Forumite
    First Anniversary Combo Breaker
    Options
    Now for my reply to Tara,

    I think that you are doing fantastically well. I used to think that if someone had a big flash house, a fancy car, designer clothes and a fantastic lifestyle they were loaded. Now I know that it is usually all debt.

    I first got interested in saving money (although I haven't got very far yet), when I met a good friend of mine. To look at her, you would think she had nothing and would not have a clue about anything much, (sounds terrible I know, but you would need to meet her and then you would know what I was talking about).

    It turns out that she is the most clued up person with regards to money that I have ever met. She doles out free financial advice to everyone. Her house is paid off and she has thousands of pounds in the bank. She is 35 years old. How did she do it? Through sheer hard work and being sensible. She had it rough when she was growing up, and she decided that she wasn't going to go without anything when she was in control. She watches everything, from the price of her shopping to cigarette prices. (she goes on holiday twice a year to stock up on them, by doing this she gets her holiday and cigs and still saves money, and it is all above board and legal to do this). She makes do and mends if she thinks she will get more use out of something. She even paid for her own wedding, all in cash. Her and her DH work full time but both have part time jobs as well. They have a great social life though, they just don't waste anything and they are not pennypinchers. She knows her stuff, just wish that I had been as sensible!! Never mind, I am going to be sensible from now on.

    Have had to eat today, 2 sandwiches and some orange juice, still trying to keep away from the sweet stuff. (My youngest sister has nicknamed me Chops:rotfl: I need to stop eating).

    Will check in later, have a good day everyone!!

    SL
  • tara747
    tara747 Posts: 10,238 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    Options
    Now for my reply to Tara,

    I think that you are doing fantastically well. I used to think that if someone had a big flash house, a fancy car, designer clothes and a fantastic lifestyle they were loaded. Now I know that it is usually all debt. - same here, isn't it shocking when you realise!!! Now I just feel sorry for them.

    I first got interested in saving money (although I haven't got very far yet), when I met a good friend of mine. To look at her, you would think she had nothing and would not have a clue about anything much, (sounds terrible I know, but you would need to meet her and then you would know what I was talking about).

    It turns out that she is the most clued up person with regards to money that I have ever met. She doles out free financial advice to everyone. Her house is paid off and she has thousands of pounds in the bank. She is 35 years old. How did she do it? Through sheer hard work and being sensible. She had it rough when she was growing up, and she decided that she wasn't going to go without anything when she was in control. She watches everything, from the price of her shopping to cigarette prices. (she goes on holiday twice a year to stock up on them, by doing this she gets her holiday and cigs and still saves money, and it is all above board and legal to do this). She makes do and mends if she thinks she will get more use out of something. She even paid for her own wedding, all in cash. Her and her DH work full time but both have part time jobs as well. They have a great social life though, they just don't waste anything and they are not pennypinchers. She knows her stuff, just wish that I had been as sensible!! Never mind, I am going to be sensible from now on.

    Have had to eat today, 2 sandwiches and some orange juice, still trying to keep away from the sweet stuff. (My youngest sister has nicknamed me Chops:rotfl: I need to stop eating).

    Will check in later, have a good day everyone!!

    SL

    I like the sound of your friend. I may not have even bought a house yet but when I do I will aim for a very small and manageable mortgage!

    I put another £500 into my Halifax Reward e-saver from my non-performing current a/c today. I always think I have to keep some money in there for the one remaining DD that I couldn't be bothered changing over, but do I need a few hundred sitting there earning no interest? No. So now it's getting 5.8% in the e-saver. :T

    Getting the hang of it finally! Little things really do add up.

    Oh and I went into a well known clothes shop (begins with O) and noticed two things that I had bought in the sale (£15 and £10) are now both £5! So I'm going to return them and then buy them again. I do this every time I see something reduced further within a week or two of buying it (as long as I haven't worn the item, I'm not that skanky). Does anyone else?

    I've had four biccies today, oh dear! So you are doing well missy!
    Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs 2/6/17 126lbs
    Save £180,000 by 31 Dec 2020! 2011: £54,342 * 2012: £62,200 * 2013: £74,127 * 2014: £84,839 * 2015: £95,207 * 2016: £109,122 * 2017: £121,733 * 2018: £136,565 * 2019: £161,957 * 2020: £197,685
    eBay sales - £4,559.89 Cashback - £2,309.73
  • mdeebee
    mdeebee Posts: 381 Forumite
    Options
    I'm trying to think of a famous clothes shop beginning with "O" but I'm not getting anywhere.

    Can we have another clue please?
  • Skint_Lynne
    Skint_Lynne Posts: 1,363 Forumite
    First Anniversary Combo Breaker
    Options
    The 'O' is the same as when you are in the desert and you see a place to drink, and there is also an orange drink on the market called this, and it is a pop group as well. I hope that I am right after all of that.:p

    It's a bargain right enough getting something out of there for a fiver!! I've started doing that with clothes where I can as well. There is a next clearance quite near where I live and I spotted a pair of jeans in it for a tenner. I had bought the same ones out of the normal next, they cost me £25, so I will go and rummage in there from now on.

    My big downfall is eating out, my mum, me and my 2 sisters went to a chinese last week and it was £100:eek: , (I feel trouble ahead now). It was delish. We go to a thai place as well, that isn't as pricey as you can get a pre-theatre in there and all meals are half price until 7pm. I think that it will need to be cut out for a while though, I am skint until I get myself a job. Will need to register with the agency will do it later on tonight. Have eaten another 2 sandwiches for lunch, so still no bad stuff, will need to keep the good work up.

    Will check in later,

    SL
  • tara747
    tara747 Posts: 10,238 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    Options
    ............. :d
    Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs 2/6/17 126lbs
    Save £180,000 by 31 Dec 2020! 2011: £54,342 * 2012: £62,200 * 2013: £74,127 * 2014: £84,839 * 2015: £95,207 * 2016: £109,122 * 2017: £121,733 * 2018: £136,565 * 2019: £161,957 * 2020: £197,685
    eBay sales - £4,559.89 Cashback - £2,309.73
  • Skint_Lynne
    Skint_Lynne Posts: 1,363 Forumite
    First Anniversary Combo Breaker
    Options
    Meant to ask Tara, what do you do for a living? (Nosey is at it again:rotfl:!!)
This discussion has been closed.
Meet your Ambassadors

Categories

  • All Categories
  • 344.3K Banking & Borrowing
  • 250.5K Reduce Debt & Boost Income
  • 450.2K Spending & Discounts
  • 236.5K Work, Benefits & Business
  • 610K Mortgages, Homes & Bills
  • 173.6K Life & Family
  • 249.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards