Struggling but determined... Mostly!

Wellyboots6

Thanks

Good things are happening, I just need to open my eyes a bit more to spot them I think. On my facebook I did used to do a 'Todays Good Things' status every day and challenged myself to list 4 good things that had happened that day. It did end up mainly being about the weather and food though! Maybe I will start doing that again though, it did help me feel more positive about things.

Skint_yet_Again

katy721 wrote: »

It did end up mainly being about the weather and food though!

:rotfl::rotfl::rotfl:

I know the feeling. Come over to the Old Style Moneysaving board and join us on the 5 OS Pleasures in your day today part 2. Helps keep me sane

meow5678

Just subscribed, did you manage to sell the tickets?

You're doing well, sometimes you have to take a few steps back to go forward.
I think mindset changes are harder than the physical paying off of the debts, but you'll get there - just don't be too hard on yourself!
Happy debt-busting!

Wellyboots6

I did sell them in the end, just crossing my fingers the payment transfers from paypal to my bank OK. I know what my luck is like!

I am getting there with changing my mindset but still finding it difficult. When food shopping for example I decide what I am buying e.g. bread and will then look for the cheapest. I do still impulse buy though. I did a food shop this evening and as I was loading everything on to the checkout I counted how many purchases were impulse buys and I think about half were By the time you unload your shopping and have a queue of people behind you it is a bit difficult to change your mind about buying something though.

Skint_yet_Again

Good news about selling the tickets :j Hope the money transfers ok

...and well done with the shopping planning. Perhaps you need to look at what sort of things you impulse buying ? Is it toiletries or nice pre-made meals or "special offers" (or cakes? this is my downfall )
TBH I stopped buying in Morereasons because I would get caught up in 2-for-1's and just kept filling my chest freezer then not eating the stuff. I got rid of the chest freezer and now manage with 3 drawers in my fridge/freezer. Then I switched to A1di. I try and plan meals for the week and then check what I already have in and make a list of what else I need to buy for those meals only. Once I have everything on my list I allow myself 1 impulse buy. That 1 treat that you can't resist (usually a packet of biscuits in my case ).

Wellyboots6

I seem to be impulse buying chocolate! I never even used to eat it!

I got out with the intention of buying bread and salad for example, and yesterday managed to get bread, salad, icecream, chocolate, hair dye, a tin of peaches... the list goes on!

This was the first time though that at the check-out I actually looked to see what impulse buys I had got. Usually it goes through and I pay no attention.

If it were easier to change your mind at the check-out about things then I could just unload what I didn't actually want.

That's why when I do online shopping I hardly buy anything, I delete so much before I actually pay. I can't do online shopping for things I need quickly like bread and milk though, and the delivery costs a lot.

Grrr!

Skint_yet_Again

Perhaps you could try writing your list with the cost of each item then only take that amount of money with you and leave your cards at home ? I do this if I go to shops for basics like milk & bread as it stops me picking up "offers" and I only come out with what I went in for

Wellyboots6

That might be a good idea. I have been saving my receipts, so I can go through and see how much things cost and do my shopping list from there
I will give it a try, although shouldn't need shopping for a while now

Wellyboots6

Pet insurance claim came through, finally!

Just got to NOT spend it!

Thinking I might not cash the cheque until I have ordered dogs next lot of meds so I can make sure I spend it on that

Skint_yet_Again

Good news that pet insurance finally paid you. Good idea about delaying banking cheque if youre worried about splurging

I see you have updated your signature and youve paid off your loan and nearly paid off your OD and HMRC.... well done :j