you know when all you lovely people give advice...

postingalwaysposting

ZTD wrote: »

Stuff "people" - what do you think?

what do i think, really and truthfully?.... yes i want a car, i dont want to think after 2 years, 2 months off work, over £3,000 spent on lessons have been thrown away... however there is a battle going on daily about this, between my head and heart and i cant seem to find an answer the positves outweigh the negative but there is still 'something' that i cant put my finger on, although i have a feeling i know what it is and i just feel it would be easier if i just use it as another thing 'ticked off the life list' :rolleyes:

tesuhoha

Its a difficult one. Have a long think about it and decide what you want. You will work out a solution if you think about it. There is always a way.

tesuhoha

So what does your head say and what does your heart say?

SarahNeedle1872

postingalwaysposting wrote: »

1~4 i agree with however still not 100% on the furniture, i guess i will have to review if once i recive my card...

5~ well there is a choice of 3, i heve chosen the cheapst. The problem is not many hotels that offer all inclusive offer single room and there is no way i am sharinga room with my mother and her oh. She hasnt got an credit card, the one she had i am stilll paying trough my bank (£100 rent) on her behalf. She wants to take me abroad so the sun holiday is out of the question... well techically the £200 is part of my payment for the holiday is £466 each so then i would only need to pay £266 before may. Then my mum and her oh are paying tehre parts however they have £200 worth of vouchers to redeem to. I don't really understand this bit.... how can ur mum say she wants to take you abroad when u appear to be paying for it I think what Tes has said is a good idea, if ur mum/oh pay you monthly until closer to the time, at least then u will not have to fork out ur own money for it, in the 'hope' that ur mum is going to pay you back.

6~ the problem is i am a walk over, my second name is door mat, even in work they know i will miss out to help everyone else, sadly is another faluire with me... one day This is definately NOT TRUE!!!! Take a look back thru ur thread and see how far ur relationship has come ref ur mum/money.

7~ i dont know what i am saving now though? i dont know what i want? yes a car in the short term and more towards my pension... i wanted to get to the 3* your wages this month... not now Why do you need to save for anything in particular? Tes's idea about thinking of ur saving as a loan is great, pretend its not there!
Since my LBM I am obsessed with watching my savings account grow, and it is gonna kill me to have to withdraw it to pay my CC off - altho I will LOVE the look of a £0 balance on my CC :T

Hi PAP, just been catching up with the last few days posts on ur thread, and stumbled upon this one.... please forgive me if it appears critical, as it's definately not how its meant.....

I must say, I am completely in awe of you..... not only have you got urself out of debt twice, but you are determined to save as well - I would love to have the dilemma ur facing atm! In fact, I think u should pop on round to my house and sort my budgets out!

Re the car, u should be buying it for YOU, not PEOPLE.... Remember PAP, be strong, u have proved to urself in the past that u can. U are a wonderful person, so selfless, but sometimes u have to remeber to look out for you first, then others.

Take care

Sarah x

postingalwaysposting

sorry all i am reading another diary this site is addictive :rotfl:

tes, my head say yes, in the long run i will be spending an extra £80 on top of my £48 for bus fares but it will give me freedom. My heart says no as i know it wont be good enough for my sister as her stuff is always better, more expensive etc etc if i was truthfull i want to save for one of my 'dream' cars... ranging from 3k ~ 9k :rolleyes:

sarah... criticals good i am now tempted to say that about the holiday, you know hint that maybe we should get a late deal.. and that if i save we could get a holiday for 1/2 the price if they save first then maybe we can do that? even if i open a building society account (which i cant access as i am always in work and its a branch bank thing) and chuck everyones savings in that?

as for your coments regarding my budgetting etc <~ happy cry, i know tess always mentions that i am good with money but i dont see it as i have been doing it for years... at last i am good at something :T

thanks

right i am in desision mode and i am going to look at all my accounts etc etc and see what i am saving into each pot and time scales... i am only 21, the way i am taking regarding pensions etc anyone wiuld think i was 59 :rotfl: i will be back with some decisions

Gemmzie

postingalwaysposting wrote: »

natwest, i know it should work (i use account jars) but knowing i can transfer money in two clicks (internet banking) it doesnt work... at all i guess i need to go back to my savings jars in ing as i cant get at them... one thing i regret about this site, going over to the savings forum and transfering everything out of my ing account because they think its a bad rate :wall: then it snowballed and i am here now!!

gem i dont know about that card? is it a credit card? i dont really want another credit card as i am scared i will go on a spree like i did in january... i am even scared about getting this one for mu furniture

It's kind of a credit card but not really, more like a charge card with an added saver.
It's a much lower rate than a regular card if you are overdrawn, it's a Mastercard so you get better protection on purchases than a debit card. If it's in a plus then you get 4.22% interest plus 0.5% cashback.
I stick all my spending money on there and then I'm not tempted to overspend as I know it'll cost me interest and if I under spend, I get a nice bit of interest on it.

postingalwaysposting

Gemmzie wrote: »

It's kind of a credit card but not really, more like a charge card with an added saver.
It's a much lower rate than a regular card if you are overdrawn, it's a Mastercard so you get better protection on purchases than a debit card. If it's in a plus then you get 4.22% interest plus 0.5% cashback.
I stick all my spending money on there and then I'm not tempted to overspend as I know it'll cost me interest and if I under spend, I get a nice bit of interest on it.

mmm gem that maybe an idea then... have you got a link that i can take a closer look?

postingalwaysposting

plan of action... what do you think?


Bills

Incomings
wage ~ £770.00 after tax, national insurance, union and pension

Outgoings
£100.00 ~ mum/rent
£65.00 ~ BT
£11.00 ~ house insurance
£3.28 ~ bike insurance ~ ends September
£48.00 ~ bus cards
£80.00 ~ driving
£9.50 ~ weight loss resources
£20.00 ~ christmas savings ING
£40.00 ~ 0% furniture card
£9.72 ~ magazine subs ~ every 3 months starting October

Bills total ~ £376.78 ~ with magazine subs £386.50

Savings

Holiday ~ may 2008 ~ needs paying March/April ~ 6 months saving ~ £400 divided by 6 = £66
Holiday savings ~ may 2008 ~ needs to be transferred mid April ~ 6 months saving ~ £200 divided by 6 = £33
Car savings ~ £150 ~ 7months (once back from holiday) ~ £1050

ING account ~ christmas savings ~ £20 per direct debit above
ING account ~ car savings ~ £150
ING account ~ holiday spends ~ £33
Building society ~ holiday savings ~ £66

Savings total = £249.00

Spends

Spends available each month ~ £124.50 ~ £40 of this is weekly spends ie £10 per week

Spends total = £124.50

Income ~ £770.00
Bills ~ £376.78/£386.78
Savings ~ £249.00
Spends ~ £124.50

Income ~ all above = +£19.72/+£9.72

Gemmzie

postingalwaysposting wrote: »

mmm gem that maybe an idea then... have you got a link that i can take a closer look?

http://new.egg.com/visitor/0,,3_78868--View_1636,00.html

If that doesn't work go to https://www.egg.com and click on Egg Money

Gemmzie

SOA looks good to me PAP