My spending diary

littlepinkstars44

Ok so i have been advised by a few people on here to start a spending diary, as i have no idea where my money goes.
So i will start from the start of this week
(things in red are debt repayments)

Monday 17th November
£2.05 Coffee in college
£5.16 in post office (ebay+play.com sales)
£5 to Additions account
£2 to Kays account
£3.98 book i bought on Play.com
£12.95 on Clinique website (lipbalm)
£5 in Poundland (no idea what i bought!)
£9.62 to Arcadia Staff Card
£5.04 in RS McColls (fags and magazines)
£9 in Threshers (wine)
£4 lunch in Burger King
£40 in Mac (new brush set)
Total:£103.80

Tuesday 18th November
79p for a song on Itunes (no idea what it was)
£14.39 to Additions account
£3.05 for Starbucks
£2.50 for fags
50p dinner in work
£30 in Clinique (moisturiser and face scrub
£4 on Christmas Cards
£6 in Sainsburys (messages for mum, as she has hurt her back)
Total: £61.23

Wednesday 19th November
£2.50 for fags
£7 dinner for me and little brother in Morrisons
Total: £9.50

Thursday 20th November
£11.50 week bus ticket
£1 bottle of juice
Total: £12.50

mummy2mygirls

well done on starting this, i am thinking I should start one, its all the little things you dont realise that soon add up and if i see it written down i might stop and think a little before spending!
good luck on the DFW.
x

littlepinkstars44

mummy2mygirls wrote: »

well done on starting this, i am thinking I should start one, its all the little things you dont realise that soon add up and if i see it written down i might stop and think a little before spending!
good luck on the DFW.
x

thanks! I reallt need to do it, as i only get about £600 a month from my wages and student loan!

laura2481

Monday 17th November
£2.05 Coffee in college
£5.16 in post office (ebay+play.com sales)
£5 to Additions account
£2 to Kays account
£3.98 book i bought on Play.com
£12.95 on Clinique website (lipbalm)
£5 in Poundland (no idea what i bought!)
£9.62 to Arcadia Staff Card
£5.04 in RS McColls (fags and magazines)
£9 in Threshers (wine)
£4 lunch in Burger King
£40 in Mac (new brush set)
Total:£103.80

Tuesday 18th November
79p for a song on Itunes (no idea what it was)
£14.39 to Additions account
£3.05 for Starbucks
£2.50 for fags
50p dinner in work
£30 in Clinique (moisturiser and face scrub
£4 on Christmas Cards
£6 in Sainsburys (messages for mum, as she has hurt her back)
Total: £61.23

Wednesday 19th November
£2.50 for fags
£7 dinner for me and little brother in Morrisons
Total: £9.50

Thursday 20th November
£11.50 week bus ticket
£1 bottle of juice
Total: £12.50

I don't want to come across as harsh but all the stuff i've highlighted in pink, are all the stuff you don't really need (even if just for your health's sake you should give up the fags!:rolleyes: ) You are never gonna clear your debt if you keep overspending like that.

If you can't even remember what you bought, did you really need it??

And this is the voice of experience unfortunately, keep spending like this and you too can get a signature like mine...oweing £1000's and £1000's. I did exactly the same, and it's no fun in the long run....

Try setting your self a rigid budget for a week. Get cash out. Leave your cards at home. And stick to it. I'm on £15 a week at the moment, and soon gonna have to cut back to £10. It's really made me realise how much I was spending on things I never even needed.

(ps, probably could have got MAC brushes cheaper on Ebay, if it really really was an essential puchase!:))

And I hope this hasn't come accross harsh. or mean. I'm just worried you are heading in the wrong direction! (ie, my direction!!)

littlepinkstars44

laura2481 wrote: »

Monday 17th November
£2.05 Coffee in college
£5.16 in post office (ebay+play.com sales)
£5 to Additions account
£2 to Kays account
£3.98 book i bought on Play.com
£12.95 on Clinique website (lipbalm)
£5 in Poundland (no idea what i bought!)
£9.62 to Arcadia Staff Card
£5.04 in RS McColls (fags and magazines)
£9 in Threshers (wine)
£4 lunch in Burger King
£40 in Mac (new brush set)
Total:£103.80

Tuesday 18th November
79p for a song on Itunes (no idea what it was)
£14.39 to Additions account
£3.05 for Starbucks
£2.50 for fags
50p dinner in work
£30 in Clinique (moisturiser and face scrub
£4 on Christmas Cards
£6 in Sainsburys (messages for mum, as she has hurt her back)
Total: £61.23

Wednesday 19th November
£2.50 for fags
£7 dinner for me and little brother in Morrisons
Total: £9.50

Thursday 20th November
£11.50 week bus ticket
£1 bottle of juice
Total: £12.50

I don't want to come across as harsh but all the stuff i've highlighted in pink, are all the stuff you don't really need (even if just for your health's sake you should give up the fags!:rolleyes: ) You are never gonna clear your debt if you keep overspending like that.

If you can't even remember what you bought, did you really need it??

And this is the voice of experience unfortunately, keep spending like this and you too can get a signature like mine...oweing £1000's and £1000's. I did exactly the same, and it's no fun in the long run....

Try setting your self a rigid budget for a week. Get cash out. Leave your cards at home. And stick to it. I'm on £15 a week at the moment, and soon gonna have to cut back to £10. It's really made me realise how much I was spending on things I never even needed.

(ps, probably could have got MAC brushes cheaper on Ebay, if it really really was an essential puchase!:))

And I hope this hasn't come accross harsh. or mean. I'm just worried you are heading in the wrong direction! (ie, my direction!!)

Thanks for the advice, i appreciate it! As for the mac brushes, i usually do buy them on Ebay but this was their red christmas collection brush set, and i saved up for it, over 3 weeks!

Jesthar

littlepinkstars44 wrote: »

Thanks for the advice, i appreciate it! As for the mac brushes, i usually do buy them on Ebay but this was their red christmas collection brush set, and i saved up for it, over 3 weeks!

OK, so I don't exactly wear makeup much, but how many sets of brushes does a girl need? I've been using the same cheap set for about 15 years! :rolleyes:

~Jes

Ally16

OH MY i think i should start one of these get myself bk on track

But hey i agree with Laura2481 u spend a hell of a lot missus!! ha ha!!! ur a shopaholic by the looks of things just like me!

I know clinique makeup and face scrubs and stuff r good but i luv my makeup and stuff and i have a wee look round tesco to get cheaper ones which tbh do the same job!! cut ur beauty bill in HALF!!!

Good luck getting control of ur spending!! x x

CompletelyLost

Sorry if I sound harsh but you spent £82.95 on makeup in two days? Perhaps you could set yourself the challenge of using the makeup and beauty products that you already have, and throw any spare money at your debts?

I don't think I even spend £82 a year on makeup and I buy maybelline/bourjois/loreal/other fairly decent makes (and no I'm not an old fuddy duddy, I'm 21 and love makeup hehe). Most of my cosmetics are bought out of Boots vouchers that I've got from doing surveys. Maybe you could do that and save up your vouchers if you feel you *must* buy the expensive cosmetics?

98jdougl

Do you usually spend that much on make up on a regular basis? I know you mentioned that you had saved up for the mac brushes so that isn't a usual purchase but is this the amount you regularly spend?

Milly1974

Just want to pipe up to say congratulations on having the guts to post your spends. :j

I know people are warning you about the danger of your spending, and they are right, but I think you need to know that by confessing and realising where you are going wrong, you are taking massive steps in the positive direction.

Keep at it! :beer:

tirlittan

This is great! I love the idea of 'publicly' disclosing my daily spends. I do it for myself, but it's easier then to 'justify' the spends when it's just you. I don't think this weeks breakfast and lunch and snack buys would go too well down on here...:(Good luck with your spending diary, I may very well follow suit.