Great 'How do you stop yourself spending?' Hunt



  • ButterflyBee
    ButterflyBee Posts: 309 Forumite
    First Anniversary Combo Breaker
    I too follow the pigy bank technique. 3 banks and each a seperate function. I have standing orders for all my seperate savings accounts(including daughters) and a different bank for my salary and direct debts and a simple bank account(no overdraft facility) for my weekly spending which includes food,fuel and entertainment. AND after every week if I have a little left I immediatley log on and transfer this to my savings account. So effectivley I have three piggy banks.

    Getting back to your question "how do I stop myself from spending" I never cary cash and I only have my dr card on me (without an overdraft facility) and if I have no cash in the bank then I cant face the embarrasment of it declining. I guess pride comes before fall in my case!
    Return and Restart August 2016
    22 Months to be debt free Aug2016 £12971.00:p:o:p By Jun2018
    PAYDBX2016 #155 = £2268.93/£3414.93 00% paid
    UK Debt #00 = £9857.23/£13039 6% paid
    EmSavFund #204 = £85.00/£1000 6% paid
    Mortgage #00 = £183084/£183093 00% paid
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