Really cross (with me)

Anastacia

Morning All

I am rather cross with myself today for lapsing in my daily checking of bank account balance. I normally have a routine before starting work - email,egg money manager, mse, pigsback, freecycle, bbc news & weather, but i have been slothful.

& so....

Popped into the supermarket for a couple of things on the way home last night & my card wouldnt go through. Tutted a bit as it means I have spent more than i meant to & must have been more wasteful that i thought. This morning i checked my account to find that there is still £800 available credit (not quite out of the 'o/d' zone obviously ) & so I havn't actually spent anything like as much as i had feared.

So i was cross with myself all night for spending & not checking the account daily & this morning i am cross with myself for not checking it straight away ( i know why i do it, avoiding the truth).

I am such a muppet, have i not lernt yet that not looking helps no-one.

In June I am going to do a spening diary & find out for certain what my nasty wasteful ways are doing.

Excuse my ratty ramble:o

Anastacia

scottishspendaholic

Hi Anastacia,

I'm so silly like this too - I think I think that if I don't look at my online balance then it can't be bad and I am kind of protected from the reality and the money I need (or think I need) will magically be there when I need it - how silly is that?

Don't beat yourself up - at least you are still okay and not over your over overdraft - you are doing really well.

Love

scottishspendaholic x

isgman

try leaving yourself a "note" on the bedside table,, to "Check Check and Check Again",, this way you will have a "reminder" as soonas you get up..
(now what wass I going to check myself...LOL)

Anastacia

Thank you, feeling a bit better (especially as i am not the only one). Making a note to stick on the wardrobe door ! I have noticed that i check methodically for the first 2 weeks of the month & then miraculously forget as pay day get closer & things get tighter. The £800 was my after tax bonus & so normally i would have run out of cash.

Decided to divide it up between o/d & cc befire i get chance to spend it. But i am definitly completing a spending diary through june as I am being so wasteful.

Thanks again

Anastacia

PaleScene

Hi Anastacia - your morning routine sounds so like mine (I add clicks to the Hunger Site and it's buddies, plus a couple more banks and some days the phone companies!)

I have lots of times when I can't really be bothered but somehow the every day stuff does get done every day - aren't routines great I find it much harder to keep up with the intermittent things (esp a spreadsheet I do called Snapshot which gives me a true position for what money I have - I try to update it just before and at the time of any money coming in).

I hope you get your rhythm back :cool: