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

unsavy_with_£

clearing_out_my_pockets wrote: »

Agree with jackieb - you may think that your friends can spend without worrying, but until you had your lightbulb moment, your friends may also have thought that of you. No one really knows what goes on behind closed doors. I know that when I had debt my parents didn't have a clue. They thought I had loads of money because I spent like I had loads of money.

Spending habits CAN be changed. We aren't spending a penny of our wedding on credit.

I love the term lightbulb moment! You are both very right, I dont know what goes on behind closed doors.

Did you ever tell your parents? Its brilliant that you arent getting any credit for your wedding, I really admire you.

I just hope my spending habits will be changed!

unsavy_with_£

I have been watching 'hoarding - buried alive' this morning, wow what an eye opener. For those of you who havent seen or heard of it, its a program based on people who hoard within their houses and they find the reason behind it and they have people help them to deal with it and tidy. So inspirational.

Its made me think about me and the way i have a cluttered life and why the house is full!

When I was little, I moved alot with my parents, they werent the stable of people and therefore we moved. I also lost alot of stuff on the way, and when I moved out all my childhood memories were put in storage and I never saw them again.

What I am trying to get at is.... I need to think about why and whats keeping all this stuff in my life, is it emotional? Is there a reason?

Do I really need everything? No not really! Am I going to use everything? certainly not! So what do I need to do...... think, reason with myself and put my debts first!

jackieb

It sounds a bit like Life Laundry. I used to love that programme. It wasn't as sensationalist as How Clean Is Your House and at least they tried to get to the reasons behind the way people were the way they were.

unsavy_with_£

Ooo that sounds like a good one! I would like to know what they mean by soapy water on how clean is your house? I know they use washing powder but would washing up liquid do the same?

unsavy_with_£

Well my down days need to be a little less, I have got myself into this, so I can get myself out of it! I can do it I have just got to get into it all and make it part of my daily routine. I am overcoming many things and I can overcome making more money to clear the debts.

So this week, one challenge I want to do is use the car less and walk more, its so easy just to jump in the car and drive everywhere but I dont need to really, whats a half hour walk.... good for baby, good for weight loss, good for bank account!

Next one, clear one drawer out a day... if there are letters to be dealt with deal with, rubbish to be chucked chuck, things to list on ebay list, anything to do do!

One good thing I have already achieved today, thanks to Martin :money: Ive got £17 worth of tesco vouchers unspent :j:j so they can go towards christmas presents.

Also going to use my boots points for christmas presents, Ive saved up lots this year so will put them to good use.

I cant let the rain get to me either with regards to going out walking, it looks like its going to rain, its only rain! Think of debt!

Also need to step it up big time with ebay! Declutter declutter declutter!

Surveys, bingoport, and all things cashback!

jackieb

Remember you can double your Tesco vouchers - but only in lots of £5, so you'd have £32 of vouchers instead of £17.

I do think they use washing up liquid a lot of time on How Clean is your House. Sometimes they soak pots and pans in biological washing powder to break down the grease. You'll should nip over on the old-style board on here. They have lots of good tips.

jackieb

I've bought an A4 diary for next year, with one page per day. I always have a diary in my handbag but thought a big one for the house would be good, so I can write down my daily spends in it. Can't do that in my handbag sized one. And hopefully my dh will write down his spends too.

Posh

unsavy_with_£ wrote: »

Am already in my overdraft and I don't know why so am now going to have to sit down and go through everything to check what's gone on.

Hi, I am reading through your diary and thought it a good idea to share my experiences with you. I get my monthly bank statement, some highlighter pens and a calculator and divide everything off into categories (Essential Items, Fuel, Direct Debits/Bills, Cash & Waste).
Colour each item in depending on category and total them up at the bottom and see how much you are spending on each.
I then try and cut back by £20 or so on the Cash and the Waste category each month. (I've only been doing it a few months but it's working ok).
I have now started to allow myself £15 p/week to spend on whatever I like, I transfer this from my current account to a spare account and only use that card. This way I shouldn't need to withdraw cash at all...I hope this helps. As I read through more I'll see if I can help you anymore.

jwil

unsavy_with_£ wrote: »

Ooo that sounds like a good one! I would like to know what they mean by soapy water on how clean is your house? I know they use washing powder but would washing up liquid do the same?

Washing up liquid would be fine for most things.

jwil

unsavy_with_£ wrote: »

Well my down days need to be a little less, I have got myself into this, so I can get myself out of it! I can do it I have just got to get into it all and make it part of my daily routine. I am overcoming many things and I can overcome making more money to clear the debts.

So this week, one challenge I want to do is use the car less and walk more, its so easy just to jump in the car and drive everywhere but I dont need to really, whats a half hour walk.... good for baby, good for weight loss, good for bank account!

Next one, clear one drawer out a day... if there are letters to be dealt with deal with, rubbish to be chucked chuck, things to list on ebay list, anything to do do!

One good thing I have already achieved today, thanks to Martin :money: Ive got £17 worth of tesco vouchers unspent :j:j so they can go towards christmas presents.

Also going to use my boots points for christmas presents, Ive saved up lots this year so will put them to good use.

I cant let the rain get to me either with regards to going out walking, it looks like its going to rain, its only rain! Think of debt!

Also need to step it up big time with ebay! Declutter declutter declutter!

Surveys, bingoport, and all things cashback!

Sounds like a good plan :T