fell off the wagon...

postingalwaysposting

kick me back on please i have no debt but i am supposed to be saving but i have been spending again (see sat spending thread) and now i can only make the 'bog standard' direct debit (budgeted) into my savings... why? well i have £90 to last me till the 15th of october and i have just lent my mum £20 till the 13th of next month :mad: total £70 and now i cant start driving again till after my holiday... yes i am going holiday next month too on the 16th :mad: how can i save properly? i cant post date cheques (not allowed) and i cant set up a direct debts for say £150/200 as i dont know what i will get paid each month (next months will all be sick pay) i was doing so well too :mad:

rog2

Hi PaP,

You don't need kicking back on - you're already climbing back on by yourself!
Just think of your holiday (try not to sub your mum too much or you won't have any spending money yourself:rolleyes: )

Good Luck
Rog2

postingalwaysposting

rog2 wrote:

Hi PaP,

You don't need kicking back on - you're already climbing back on by yourself!
Just think of your holiday (try not to sub your mum too much or you won't have any spending money yourself:rolleyes: )

Good Luck
Rog2

thanke rog, i like saving, i dont look at the 'pot' often as i hate signing into the account but i know its not going up at the speed i would like :rotfl: mums a sore spot at the momment, she is short because i am keeping her house keeping money to pay a dca on her behalf... thats why she has asked for cash, and i am soft and believe it or not i gave her my card and said 'take what you like ' :eek: but she has only taken £20 :T i must stop that and harden myself luckly its self catering so we will stock up at aldi but i wont be spending down there :rolleyes: i am just waiting for that money tree to grow in my garden :rotfl:

D&DD

Hiya can I just ask when you get the tree going if you'll save me a cutting :rotfl:
Seriously though if you're managing to get away and not go back into debt just kick back and enjoy it!Just get back on here on your return and we'll keep you in line

postingalwaysposting

D&DD wrote:

Hiya can I just ask when you get the tree going if you'll save me a cutting :rotfl:
Seriously though if you're managing to get away and not go back into debt just kick back and enjoy it!Just get back on here on your return and we'll keep you in line

d&dd, it will be cutting all around :rotfl: yep i think you are right i have not got the temptation though to get into debt which is good i think i just have to discipline myself, i do now (because of mozzie challange) but its a saturday that always lets me down

moozie_2

postingalwaysposting wrote:

thanke rog, i like saving, i dont look at the 'pot' often as i hate signing into the account but i know its not going up at the speed i would like :rotfl: mums a sore spot at the momment, she is short because i am keeping her house keeping money to pay a dca on her behalf... thats why she has asked for cash, and i am soft and believe it or not i gave her my card and said 'take what you like ' :eek: but she has only taken £20 :T i must stop that and harden myself luckly its self catering so we will stock up at aldi but i wont be spending down there :rolleyes: i am just waiting for that money tree to grow in my garden :rotfl:

Hey pap :hello:

You are doing well hun and don't you forget it! You've been unwell and stuck indoors for ages and you've been keeping your spending really low - you should be proud of yourself! :j

We all go through patches where things don't go according to plan and maybe you are going through one of them at the moment but the main thing is that you're pulling yourself back on the wagon and you are still continuing :T

The one thing that concerned me though was giving your mom your card! I know we love our mums and yours is an extra special one but it's not wise and it would be best if you could avoid doing that in the future. No offence to your mum, I am sure she wouldn't do anything silly but sometimes temptation when you are under pressure (like she is) can be greater than sense I feel bad for saying but there, it's out now

Take care sweetie and keep your chin up!

postingalwaysposting

moozie wrote:

Hey pap :hello:

You are doing well hun and don't you forget it! You've been unwell and stuck indoors for ages and you've been keeping your spending really low - you should be proud of yourself! :j

We all go through patches where things don't go according to plan and maybe you are going through one of them at the moment but the main thing is that you're pulling yourself back on the wagon and you are still continuing :T

The one thing that concerned me though was giving your mom your card! I know we love our mums and yours is an extra special one but it's not wise and it would be best if you could avoid doing that in the future. No offence to your mum, I am sure she wouldn't do anything silly but sometimes temptation when you are under pressure (like she is) can be greater than sense I feel bad for saying but there, it's out now

Take care sweetie and keep your chin up!

thanks mozzie i have and will do well and as you say this is just a bad patch, i am sure i will come out the otherside i just wish every month could be the same :rotfl: mozzie course i will get on the wagon, you cant get rid of me that easily :rotfl: eveyones taught me so much, and although most of it i wont need till i am older i am thankfull to them the mum thing, i know i was wrong doing it but i have a soft spot with mum (as you know) and i just dont like seeing her unhappy... dont feel bad about saying that mozzie i am glad you have, i know i shouldnt do it but i just dont think... she wont have anymore from me this month anyway because if she does it will make her short when her wages come in... thanks hun

Verbatim

Sounds like you're doing pretty well to me!

postingalwaysposting

Verbatim wrote:

Sounds like you're doing pretty well to me!

thanks

elantan

i think were all allowed a wee slip up as long as we learn from our mistakes ..funny thing is i say that to others and totally mean it ..but when i do it i stress ...i think though as moozie says giving your mum your card and saying help yourself no matter how great they are and how much we love them is something we need to think about ..maybe that can be this lesson ..i always try to look at the positives:p