Mmm - not good - can't stop spending!!

DylanO

BitterAndTwisted wrote: »

I do understand your viewpoint but I don't agree with it. If people want to spend their own money, money they can afford to spend, then I'm happy for them to spend it. What I choose to do with own cash is neither here nor there. I suggest you try to be a tad less jugemental about people you know nothing about. You sound rather unpleasant

The irony may kill me...

Stephb1986_2

I thought the reason some people may have "spare" money for is to enjoy it what's the point in having it if you can't enjoy it?? Paying bills etc is boring but I pay my bills and have spare money every month why shouldn't I enjoy spending it when I've worked hard for it?

It's not like I'm sat on the dole with 15 kids with thread bare clothes on and I'm going spending £250 on a handbag, I have no kids my own car fully paid for, I live with my folks. I'm not asking anyone else to pay for my luxuries

Steph

ChrisEvanson

This is an interesting thread as I recently stopped and looked at where our money was going and my credit card bill was mostly a lot of tat and stuff I didn't really 'need'. Now we are ok, we aren't rich, we have managed debt, we both work. But I want other things and the 'tat' spending was stopping that. Other things? Yes - more quality furnishings etc - I would rather wait and have nice things (flooring, furniture, white goods etc) than second hand or cheapest.

Before anyone gets on their high horse I realise we are well off compared to some,but I am a bit fed up also of not saving.

I always said I would never buy a new car, and as it stands, I wouldn't.... BUT I can see a time when money (inheritances, paid off mortgage, etc) allow us to. So why not. Same goes to those who can afford to buy Radley handbags etc.

The big thing to me is - Does it give you pleasure? I think it is sad if you feel you 'must have' say a handbag or new shoes but are just as miserable the day after as you were the day before. I also think its great if your new shoes or handbag give you loads of pleasure. I also think its sad buying tat continually and getting no pleasure. So I have stopped.

I think there is far too much judging going on here.

I am looking at it and thinking the OP isn't in massive debt, so whats the problem? Clearly its not giving her pleasure, so stop. Thats all you need to do - draw a line, take a deep breath, and stop.

Often its a replacement for something missing in your life - kids, sex, job satisfaction, nice house, mum, dad, whatever. Now that to me is sad.

the_cat

Boots888 wrote: »

I

So stop judging me judging them - most people with any iota of "common sense" and decency will understand my viewpoint.

So anyone who disagrees with your point of view is an indecent idiot then?

Ah yes, clearly the well thought out arguement of a gifted debater....... First sign of disagreement, you move swiftly to hurling random abuse.

Nice one:rotfl:

the_cat

Anyway, back the the OP....

One thing jumped out at me. In your first shopping trip, you said you found nothing 'at a price you wanted to pay'. If you had bought one item that you really, really wanted (albeit at a higher price) maybe you would overall have spent less?

In a quality versus quantity way, a more expensive item that truly meant something to you and you really loved would probably fill the spending 'need' better than lots of cheaper items that are just 'ok'

Person_one

building_with_lego wrote: »

If I have (let's say) £103.23 in my current acc I'll move £3.23 to savings. I do this every few days.

That's not a bad idea!

I'm slightly OCD about having nice round numbers in my savings account so I only tend to transfer money in when I can afford £50 or £100. I might try to switch the OCD to my current account and do what you do, I bet it adds up quite quickly and you don't really miss the little amounts, am I right?

Thanks for a great tip!


(...off to log in to online banking...)

ChrisEvanson

the_cat wrote: »

Anyway, back the the OP....

One thing jumped out at me. In your first shopping trip, you said you found nothing 'at a price you wanted to pay'. If you had bought one item that you really, really wanted (albeit at a higher price) maybe you would overall have spent less?

In a quality versus quantity way, a more expensive item that truly meant something to you and you really loved would probably fill the spending 'need' better than lots of cheaper items that are just 'ok'

I think part of the problem is we are moneysavers. If you aren't careful everything has to mega bargain, fully researched, so we get the best deal. That's fine in many ways but it does take the fun out of shopping sometimes and I know I end up buying stuff because 'it's a bargain' even though I don't really need or want it. As the old saying goes - 'it's only a bargain if you NEED it'.

Emmzi

Posting about your lingerie purchases screams "attention seeker" to me. People who need to seek attention are not confident it will come along on its own.

So I think you might buy stuff because you have low self confidence and think you need it to look pretty. So I'd invest in some further education or counselling to tackle that first.

I am sure you are quite good enough for the world exactly as you are.

LillythePink

Emmzi wrote: »

Posting about your lingerie purchases screams "attention seeker" to me. People who need to seek attention are not confident it will come along on its own.

So I think you might buy stuff because you have low self confidence and think you need it to look pretty. So I'd invest in some further education or counselling to tackle that first.

I am sure you are quite good enough for the world exactly as you are.

It wasn't posting about them to say look at me - it was more about the amount - I could have worded it differently

It's not about low self confidence etc - it's just binge shopping which I shouldn't do

DELLBOY_2

LillythePink wrote: »

It wasn't posting about them to say look at me - it was more about the amount - I could have worded it differently

It's not about low self confidence etc - it's just binge shopping which I shouldn't do

i just thought it was for the other halfs benifit

the shopping that is