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

uberzoldat

Hi PAP,

from another one with the OU I say go for it, it can be really fulfilling.

Do you really think you are fritting all your cash away? I think that if you are worried about it you will put it right next month, at least you are concerned about it. I think it's healthy to scare yourself moneywise sometimes, give yourself a reality check. Much better than burying your head in the sand IMHO.

Gemmzie

Don't feel down PAP, you're YFS so why shouldn't you spend a bit on yourself sometimes! You have £470 left in savings - that's A LOT more than a heck of a lot of people and more than you had pre-debt-free.

Work out your budget for next month and the dent this will make if it calms you down but I think, it's your money and you earnt it.
Little treats are what being debt-free is all about and keeps you out of mega debt from depriving yourself.

elona

PAP

Have a look at www.thebookpeople

I got a set of ten books that should have been £5 each for £9.99

for my 13 year old daughter and then got another set for her to give to friends (one at a time) for birthdays , Christmas etc.

You might be able to get a book or small set for him for a lot less (or even keep a couple aside for later)

postingalwaysposting

uberzoldat wrote: »

Hi PAP,

from another one with the OU I say go for it, it can be really fulfilling.

Do you really think you are fritting all your cash away? I think that if you are worried about it you will put it right next month, at least you are concerned about it. I think it's healthy to scare yourself moneywise sometimes, give yourself a reality check. Much better than burying your head in the sand IMHO.

ohhh really, i am tempted but i think i need to find out which course will suit me... i shall ahve a think

well i have spent £427 :eek: or would have by payday... now i know £207 is college but thats nearly £200 thats scary... ok i know another £100.00 covered bills from when my bank mucked up everything but i still find it very frightening. maybe because i am so frugal and live my spare time on here i dont know? Fingers crossed when payday comes i can put my £300 as i do each month into savings and i would like to have a no spend month and save my monthly spends of £80 too but my trousers are falling off me as i am trying to lose weight :rolleyes: plus i should have booked our holiday for may too £200 :wall: best go and pick the tree in the bottom of the garden :rotfl:

postingalwaysposting

Gemmzie wrote: »

Don't feel down PAP, you're YFS so why shouldn't you spend a bit on yourself sometimes! You have £470 left in savings - that's A LOT more than a heck of a lot of people and more than you had pre-debt-free.

Work out your budget for next month and the dent this will make if it calms you down but I think, it's your money and you earnt it.
Little treats are what being debt-free is all about and keeps you out of mega debt from depriving yourself.

see gem this is how i feel, as my second time in debt was due to being to fugal but sometimes i think i am letting some people/someone mainly myself down... yet i look at the people i work with and they never stop spending... i seem to have replaced the debt weight around my neck with the saving weight but it shouldnt be like that should it?

postingalwaysposting

i wonder if someone can help a minute with calculations as i have been trying for 3 days and i cant do it :mad: i want to see if i do the 1/3 thing... you know 1/3 house keeping/bills, 1/3 saving and 1/3 spends... what would these be when i earn £770 after ni, tax, union and pension?

margaretclare

postingalwaysposting wrote: »

i wonder if someone can help a minute with calculations as i have been trying for 3 days and i cant do it :mad: i want to see if i do the 1/3 thing... you know 1/3 house keeping/bills, 1/3 saving and 1/3 spends... what would these be when i earn £770 after ni, tax, union and pension?

Divide £770 by 3. That gives you £256.66 for each of your 'thirds'.

HTH

Margaret

Gemmzie

So you need to divide 770 by 3?

Gemmzie

postingalwaysposting wrote: »

see gem this is how i feel, as my second time in debt was due to being to fugal but sometimes i think i am letting some people/someone mainly myself down... yet i look at the people i work with and they never stop spending... i seem to have replaced the debt weight around my neck with the saving weight but it shouldnt be like that should it?

It shouldn't but it can be! I'm the same, I have my little savings jars and I hated taking any money out of them.

Now I treat myself now and again. Still getting the best prices, cash back etc and the guilt is going because I'm still spending smart.

The balance will come

postingalwaysposting

margaretclare wrote: »

Divide £770 by 3. That gives you £256.66 for each of your 'thirds'.

HTH

Margaret

thanks margaret, can you tell why i am going back to college anyways this is the real 1/3's... its a little different ~ rent/bills ~ £236.78, save ~ £300.00, spends (driving, weekly budget and £80 'me' money) ~ £200.00 = £736.78 the remainder is just spare