Why does money saving make me feel so sad?

Norton_Blade

Aimee-lou wrote: »

Money saving is heartbreaking....

But...I know that it's worth it.

That's the thing, the little 'uns don't realise what they haven't got... they just see what they have got. And if a debt-free Mummy and Daddy are a happy Mummy and Daddy, that's all they'll know for a good few years yet.

I love getting a bargain... there isn't a day that goes by without some freebies coming through the post or some kind of money coming in through surveys and quidco.

I'm debt free now (apart from my student loan, but they're getting that over my cold and lifeless body, the set of scammers!) and saving for a house deposit. Without the worries that debt brings, you can get pleasure out of saving money.

Again, just keep saving, saving, saving You'll get there one day.

Chick2organise

Hey, you should be very very proud of yourself, its fantastic that you have done it!!! you are an inspiration, i wish i could be in your shoes and get my bottom into the motivation way of thinking instead of this depressed unmotivated moaning thing i am at the moment, seem to be back to square one!!

be proud of yourself!! any tips on how you got your motivation??

angelicmary85

Norton_Blade wrote: »

That's the thing, the little 'uns don't realise what they haven't got... they just see what they have got. And if a debt-free Mummy and Daddy are a happy Mummy and Daddy, that's all they'll know for a good few years yet.

I think that's one of the best posts I've read in a long time. I feel exactly the same, people are always on at me to buy new things for my daughter (17months) and I've just had a wee boy (he's only 8days old) who apparently needs 'stuff' but I feel that a debt free household is the most important thing I can give them just now so they can benefit from family holidays and nice clothes in their teens.

I had a wee spending spree a couple of weeks back though, I came into a wee bit of cash but I made a couple of big payments to things (about £900) but I still felt bad for not using all the money to pay off a credit card of something. You'll feel good about it soon!

Join in the 'payment a day thread' (or PAD for short!) It's a really basic way of paying off debt and you'll soon be so hooked that you'll be disappointed if you miss a day!

Hopeful34

Hi mumpig. Thanks for starting this interesting thread. I've been lurking around the forums and have now also decided to get involved. I need to sort my debt out and have been trying to cut down on my spending but it is a bit like being on a diet and constantly feeling deprived. I'm trying to remember my bigger goal, pay off the debt and then have my money to spend on the things I want with a clear conscience. It's hard to remember sometimes that a £5000 or whatever credit card limit doesn't actually mean that I have £5000. I also get frustrated that any repayments seem to go on nothing, but it's just that I've already had the thing. So now when I think about going into debt for something, I have to remember that I probably won't even remember or be using it in six months so I certainly don't want to be paying it off then. When we're all debt-free, all the money we're used to repaying will be ours to spend or save as we wish and I think that will make me very happy. Good luck!

Hopeful34

Does anybody here know how to subsribe to a thread? I'm not very computer-litterate! Help!

mumpig

Wow how kind people are! thanks for the support and feeling much better today!
and to the lady with a young baby, I had a very tough year when my two were small, clothes & presents from jumble sales etc (before the charity shop & poundland days!) and all they remember is the fun we had making things, riding on buses, homemade entertainment etc. They were fed well and loved and they didn't notice anything else, your child has the best in the world, the love of two parents. Best wishes.:A

CouponWoman

mumpig wrote: »

Sorry in advance if I get this all wrong, this is my first post, but been an avid watcher/reader for a while, so about time I dip a toe in the forum pool.
I've been trying to be good!:j
I've done Martins budget planner....(came out in the black Phew!)
Swapped my gas & electric company...
Water meter being installed next Sat...
Got a £18-50pm discount on my Virgin media package...
Just paid off my first credit card this morning of £579.59....yet I feel depressed rather than pleased with myself?
Maybe its the thought of the other things I could have done with £579.59???
Do you feel like this, I am a DFW!!!!

...and thanks to all the posters I've not been able to say thank you to before as I've just registered, but this site is an inspiration! :A

Hi

give yourself something else to do by printing off all the money off coupons.

there is a thread, called printable coupons, where you can print coupons off and spend them in Tesco.

I only joined mse a few months ago and I have saved around £500 on my shopping bills. Its very addictive and most people on the "coupon thread" are very nice. In fact, last week I saved over £25 in just one week.

You get lots of advice on how to maximise your money on a weekly basis. ie. they tell you how to get more coupons.

I am sorry if I am telling you something you already know, but just in case you didn't, most Tesco's take coupons even when you have not bought the product,

When you have some spare time, take a look. I am glad I did as I have saved a fortune since I got made redundant a few months ago.

Norton_Blade

Chick2organise wrote: »

any tips on how you got your motivation??

I really really want to own my own house, so started tackling the debt with gusto and when the debt was paid off, started treating saving the same way.

The small dfw things thread is a good one to keep you motivated and show exactly how much you are doing to be good:

http://forums.moneysavingexpert.com/showthread.html?t=1725533

And another thing was to "pay your debts first"... i.e. pay off all you can on the day after pay and learn to live on the rest. As you start to pay off your debts, this figure will start to increase and you'll see a difference in how much money you have to live

And like everyone else has said, treat yourself... but do it at the end of a good month when you find yourself with money left over. It's a good incentive to stay disciplined

Bored_Housewife

Has anyone got the link to the Tesco printable coupons, I put it in the MSE search but it didnt come up.

Thanks in advance

Naomim

Bored_Housewife wrote: »

Has anyone got the link to the Tesco printable coupons, I put it in the MSE search but it didnt come up.

Thanks in advance

http://forums.moneysavingexpert.com/showthread.html?t=1684515&highlight=coupons

Does anybody here know how to subsribe to a thread? I'm not very computer-litterate! Help!

When you reply, at the bottom of your reply, under the submit button there is a box with "Additional Options" there it says notification Type and a drop down list where you can choose to subscribe.

HTH

Naomi