What events have determined who we are today...

wanna-be-mortgage-free_2

lady_fuschia wrote:

Of course NOW I realise spending money and "having stuff" doesn't make life exciting. I mean there's only so much fun you can get out of sitting in your room looking at 18 pairs of shoes you never wear!

:rotfl: :rotfl: :rotfl:

That reminds me I really have to go through the shoes next! Have done the clothes already :j

This debt journey has made me realise that I too need a goal. I don't mean just getting out of debt (that's the MAIN one) but something small that I can achieve say each week. At the moment it's running a half marathon. So I'm focusing on that and by doing so I'm keeping away from the shops and not spending. So now in my life I have an interest or hobby as it were and that is fulfilling and rewarding. Although I think I'm addicted to the running now :rotfl:

wanna-be-mortgage-free_2

yeslek wrote:

i over analyse things in my head first, hence the coffee
there are plently of times where i flit about for a few hours then think screw it an blow £40 on some special edition dvd box set or new pair of shoes

As some would recommend on here, if you still have the receipt you can always take it back :rotfl: I can remember my last spree at Next. Came on here and someone advised me to take the clothes back, I knew they would say that so the night before I had cut out the labels so I couldn't

dinkylou

No major reason why I have overspent in the past. Guess for some people its easier to blame it on something rather than taking responsibility.

For me, it was just that I thought I could afford more than I could.

I didn't want to deal with the big picture and if I wanted something, I would buy it, simple as.

I'm drawn to pretty things and so now, I avoid the shops, or stick to the cheaper ones.

wanna-be-mortgage-free_2

dinkylou wrote:

No major reason why I have overspent in the past. Guess for some people its easier to blame it on something rather than taking responsibility.

Which is why Spendaholics is a good programme for giving practical hints and tips for people but on the other hand is giving the people who are in debt an easy option of blaming their problem on something in their past rather than taking responsibility - don't you think?

lady_fuschia

I suppose its just the way of society in general now- you have to blame everything that's wrong with your life on the fact you fell off your bike when you were ten.

I always think its better to solve long term problems by admitting to yourself that you f**ked up. Doesn't make you a bad person.

wanna-be-mortgage-free_2

lady_fuschia wrote:

I suppose its just the way of society in general now- you have to blame everything that's wrong with your life on the fact you fell off your bike when you were ten.

I always think its better to solve long term problems by admitting to yourself that you f**ked up. Doesn't make you a bad person.

By admitting it makes you a good person, a strong person, a determined person. All the good things that people on here are.

Do you think the spendaholics programmes are useful then?

yeslek

wanna-be-mortgage-free wrote:

As some would recommend on here, if you still have the receipt you can always take it back :rotfl: I can remember my last spree at Next. Came on here and someone advised me to take the clothes back, I knew they would say that so the night before I had cut out the labels so I couldn't

well i'v managed to curb that cd an dvd obsession i have buy renting dvd's and only buying one i know i will watch over and over (hint from here actually)
and i down music from one of the many russian sites...there isnt actually any album i want at the moment, i got them all for a fraction of the price.

though i'm not that bad. lol

Wyndham

wanna-be-mortgage-free wrote:

Which is why Spendaholics is a good programme for giving practical hints and tips for people but on the other hand is giving the people who are in debt an easy option of blaming their problem on something in their past rather than taking responsibility - don't you think?

Absolutley. It is about responsibility. And while there are some people who do have, say, a traumatic childhood event that really affects the rest of their life, for most people this isn't the case. But as we live in a 'blame' culture at the moment there is sometimes a need to find a scapegoat!

poorbutrich

I know exactly where my money problems have come from; choosing journalism as a career! Long hours, but so badly paid!!

GingerSte

I've got to say I agree with you all about the Psychologist blokes (actually there's more than one of them!). They do seem to make up their own mind and then try and convince "the patient" of their diagnosis. Having said that we only see the edited highlights, and so we're probably missing a fair bit.

I also fell off my bike when I was ten. Does this mean I've got something to blame if I fall off the wagon, or do I have to try and stay on the wagon?