Should I get more credit when I promised hubby I wouldn't?

chevalier

Hi there,
It really is a question of education. What lessons do you want your son to learn. That he can enjoy himself for little or no expenditure, or that the only way to be happy is to buy something new?
I quite regularly go into my local Oxfam to buy fairtrade tea and coffee. I go with my son. If he has been really good he gets to have one of the second hand toys in there for say 50p. He thinks that is fab and enjoys the toy just as much as if we had gone to Toys r Us. I never go into those sort of places and if say we go into Woolworths to buy clothes, he already knows that he can look at the toys but I am not going to buy him anything.
It just means that when it is his birthday he gets a lovely surprise because if there has been something he really wants that's when he gets it.
If you need to have some more money, then I suggest you check that you are on the cheapest tariff for
Gas
Electric
Phone/Broadband
Sky/Ntl
Mobile Phone
Switching to the cheapest supplier of these thing could save you more than the £275 overdraft the bank is offering you. And it would show to your husband that you are taking saving seriously.
It is very easy to be taken in by the advertising, that implies that children are not happy unless they have the latest clothing, shoes, toys etc. But my two sons have all their clothes bought for them on ebay, or were hand me downs. And they don't know any different. One of my older sons most favourite tops was 50p from a charity shop!
Best of luck

justmumcookcleanertaxi

hi as a mother of two little ones I know just how you are feeling. Thats How I got into the mess I am in at the minute. Went shoppint, the kids asked for a toy in the supermarket,No I said but bought them a cheaper one. The next day they asked for the same toy and guess what mum bought it for them. They must have really wanted it as they asked for it two days on the trot ect ect. I have had my light bulb moment and my kids spent yesterday playing with two cardboard boxes that were in the loft, one made a television from it the other made a dog basket for himself (bless). They are 3 and 6 and they have so many toys they do not play with them because they can't find half of them because they are at the bottom of the toy box. I know you have decided to not get the overdraught well done but I thought I would just add my twopence worth. Hang in there the two years will be over before you know it.

tesuhoha

What i used to do was have my family allowance paid into a separate savings account so that when the kids really needed something like shoes or new clothes i had some money put aside just for that purpose. i would have to drive into town to take it out so that gave me time to really think about whether to spend it or not. Of course i realise that not everyone could afford to do this but if you can its good to think of it as their money and you can save any surplus funds for their future education.

earwig

hi dont do it my oh and me was just the same we would only buy kids clothes from next if they fell over they got a toy done somthing good like going to bed 7 days on the trot with out making a fuss got a dvd freinds kids got a game so did our ect you get the idea
but it was all with other poeples money not our od cc loans the result one little miss who is horrified if she gets clothes for presant moans about not haveing the lasest dvd even though she never wacths them still got wrappers on them
she was a spoilt brat little man 2o months old hasnt been afected by it we stopped it last yearer who the happer him asnt got halfthe stuff sis had but he plays with what hes got george clothes are just as nice as next but cheeper
little miss just lolls around the house saying she board she got more thing than toys r us she has a power barbie jeep sting in the garden only uses when freinds come over other wise she not botherd
please belive me all your little boy wants is your time not your money and deffeintly not anyone elses and think of oh dose he mean that little that a quick spending spree is worth more than his trust
i think you allready know the answer to your question or you would be out spending it instead of beening on here be strong phone the bank tell them you dont want it and forget about it
you will all be better of with out it please take it for someone who done what you are about to it leads to bankrupcty that what happen to my oh 36.000 :eek: thousand of pounds of debt and i can honestly say only 1 thousand of that was esstual the rest just went on stuff we didnt realy need the kids are much happer now we dont have all the credit and so are we if i can do anyone can and my nickname was shopping queen

fairylights_2

Don't do it! The bank are trying to do you a "favour" but it's only in their interests (litterally) for you to take an OD with them. Think how your OH will feel if you promised you wouldn't do it again and then you did. I'd be mortified if I found out my OH had broken a promise like that.

Your son won't need lots of things - just spend time with him! We bought some little easter chicks from the poundshop last week and today are going to be easter baking. We won't be buying easter eggs for ANYONE this year, they're all having home made treats instead. And if they don't like it, then tough!

**purpleprincess**

Don't do it!!!

halloweenqueen_2

I don't know how old your boy is, but what about pocket money? A £1 or 2 each week and he gets to buy what he wants with his own money and save up for a bigger thing. My DD spent money like water until it became her own and I wouldn't put any more to it, she became a much more discerning shopper!

AMILLIONDOLLARS

Take a long hard look at your Signature, Debt Free May 2008!!!


If you keep on spending it MAY READ DEBT FREE MAY 2015:mad: :mad:


DO YOU REALLY WANT TO SPEND THE MONEY? I THOUGHT NOT:eek:

Pigeongirl

AMILLIONDOLLARS wrote:

Take a long hard look at your Signature, Debt Free May 2008!!!


If you keep on spending it MAY READ DEBT FREE MAY 2015:mad: :mad:


DO YOU REALLY WANT TO SPEND THE MONEY? I THOUGHT NOT:eek:

eep!!!!!!!

mountainofdebt

if, for some reason, you feel the need to spend money on your son becasue you feel guilty about perhaps working (don't worry not going to start bashing working mums as I'd have to bash myself first!)

remember, what ever the age of the child all they really want is for you to spend time with them and do stuff with them ......what about getting those cake mixes (OK I know not really MSE and could be done cheaper OS!) with cartoon characters and doing that with him ????