A Spendaholic in need of continuos shopping and a naughty debt!

unsavy_with_£

Hi Jwil

Thank you so much, did you make lots from your clutter? I need some free listing days on ebay..... Ive got some big bits I want to list!

Thank you for the sites, I will go have a look and join. vouchers sound great! do you mostly rely on these sites then for your spending money?

thank you

unsavy_with_£

Hi No money,

well done for starting a diary too! It is a great way to get it all out. How are you doing with your debts?

thats a good idea, I spend so much more than that a week and the cards go everywhere with me. I need to get out of eating out too, its so easy just to pick something up out of the house.

I will give that a try and see how I get on! thank u so much

jwil

unsavy_with_£ wrote: »

Hi Jwil

Thank you so much, did you make lots from your clutter? I need some free listing days on ebay..... Ive got some big bits I want to list!

Thank you for the sites, I will go have a look and join. vouchers sound great! do you mostly rely on these sites then for your spending money?

thank you

Hi unsavy,

I've made quite a bit, but we are still clearing the contents of a house so I have LOADS to sell. There's huge volumes of low value stuff.

I do rely on the surveys and bingoport for my spending money (don't always succeed though!). It does take a bit of time, but I don't mind when I get those vouchers as I can spend them without any guilt at all.

There's also Dooyoo where you review items, but I've not got round too much to doing that.

jwil

I think no money's suggestion of giving yourself an allocated amount of spending money each week will help because you can still buy something, but without going overboard.

.NoMoney.

unsavy_with_£ wrote: »

Hi No money,

well done for starting a diary too! It is a great way to get it all out. How are you doing with your debts?

thats a good idea, I spend so much more than that a week and the cards go everywhere with me. I need to get out of eating out too, its so easy just to pick something up out of the house.

I will give that a try and see how I get on! thank u so much

It's going slowly - managed to acquire a new CC with a 0% balance transfer for 14 months, so when that comes through will be swapping my highest interest cards to it to work through. Apart from that not much movement has come on the debts yet. Good things come to those that wait though as they say.

unsavy_with_£

jwil wrote: »

Hi unsavy,

I've made quite a bit, but we are still clearing the contents of a house so I have LOADS to sell. There's huge volumes of low value stuff.

I do rely on the surveys and bingoport for my spending money (don't always succeed though!). It does take a bit of time, but I don't mind when I get those vouchers as I can spend them without any guilt at all.

There's also Dooyoo where you review items, but I've not got round too much to doing that.

Wow thats great, even the low value stuff brings the pennies in nicely, its all stuff you wont use and would have chucked with the thought of 'I wont get much'

I like that - being able to spend without any guilt! Thats a really good way of doing it, I hope one day once the debt is gone and I am Savy with £ I too will be able to follow in your footsteps.

I will have a look at that too, i need to allocate a day this week to joining the sites and getting some sort of order about me.

unsavy_with_£

I am going to give myself a weekly spend as of next week. I think that will help me think twice about spending on non essential overly priced things.

unsavy_with_£

.NoMoney. wrote: »

It's going slowly - managed to acquire a new CC with a 0% balance transfer for 14 months, so when that comes through will be swapping my highest interest cards to it to work through. Apart from that not much movement has come on the debts yet. Good things come to those that wait though as they say.

Thats really good that you have been able to get that, thats brilliant and will help you so much! Any movement is good movement and that is a big movement!

I like your positivity!

unsavy_with_£

Woken up with a sense of low feelings, worrying about christmas (its quiet normal at this time of year, its when the cc comes out) and thought how I dont want to be like this next year.

Also been thinking about how I can reduce our monthly outgoings. I think I need to cancel the gym membership the OH is paying for, I can do exercising at home and walking. free exercising!

Need a lightbulb moment!

jwil

unsavy_with_£ wrote: »

I hope one day once the debt is gone and I am Savy with £ I too will be able to follow in your footsteps.

I'm FAR from debt free - this is what I do now, so I can still buy things. There's no way I can afford it otherwise. But it stops me from having a 'sod it' moment and blowing loads of cash on things I don't need. When I'm debt free, I'll probably still do some things as I quite enjoy them, but I won't HAVE to do them which will be lovely.

As I mainly buy books, I read them then sell them again once I've finished with them, so it works out that I can get some cash back too.