struggling to get started :,(

mandymoo86

Ok so here it is,
Im quite new to this site and i have tried setting myself a plan of action to get my overdraft paid off its £600 and im getting charged every month so i figure this is the first thing i should focus on to get my debts paid off.
The problem is i get paid in cash every week from work and its every saturday so by the time the bank is open on a monday half of it is gone and i then think there is no point only putting a bit in the bank so i end up spending that too.
i cant seem to control it i got paid £80 yesterday into my bank and that is all gone already and i dont seem to have anything to show for it i seem to be spending because im misrable i need to get a grip can anyone help me i dont know in what way i just need some advice and maybe help with a suitable plan

thanks for any help
please be kind not in a good place atm

BlushingRose

Would doing a spending diary help?
You could do it on a week by week basis, just to see what you're spending your money on x

Barbeduk

Have you got someone you can trust locally, mum, dad, sibling that you could give the cash to bar your 'pocket money'? If they're very kind they could pay the cash into the bank for you on Monday.

What's causing the spending? Resolve that (yes, easier said than done) and you'll be half way there.

mandymoo86

thanks guys
i suppose i could my sister would do it for me never thought of that to be honest and i know what im spending the money on which is the worse think i have kept a diary i just cant seem to stop i see everyone on here throwing themselves into saving every penny but i just cant seem to do it i dont have the drive everyone else seem to have i might try write out a more suitable plan and put it on here tonight and i am going to look at my reciepts see what happened to the £80 yesterday wish me luck :-(

BlushingRose

Try doing a statement of affairs and making a note of everything you *have* to spend money on at the moment and what might be left over. List what you spend on bills, rent, food etc..

reallyAnnoyed_2

I think your main problem is not putting the money in the bank. It's much easier/tempting to spend if you have cash in your pocket. Can you ask your employer to pay in your bank account?
If that is not possible then on Saturday when you get paid ( I assume you work on Saturdays?), give money to someone you trust and ask them to bank it for you on Monday.
It's not ideal as that person may also forget or loose money - at the end of the day, it's your money and you should be banking it yourself.

bexiboo92

As "really annoyed" has suggested definitely talk to your employer.

My boyfriend was spunking £200 a week within 48-62 hours when he was getting cash, last month he asked his boss to give him £100 cash 3weeks a month and then a cheque. That cheque lasted us 2weeks and helped us pay all our bills

Sounds silly, but maybe try not going out for a few weeks? Then you'll have no temptation to spend the cash...

theoretica

Do any banks near you have deposit points or cash machines you can pay into? It might be worth changing your account to one where you can pay the money in on Saturday.

ss3n08

I always used to spend my petrol money but now I put it into my boyfriends account every payday and he gives me it when I needn't. I have never been without petrol money since I started doing it. Once I forgot it was there as I was on holiday and ended up with a nice little bonus. My point is that if there is someone that you really trust and they are willing to help then use it because it really helps.

mandymoo86

to be honest i dont have to pay for anything apart from my phone bill which is £21 and internet which is £16 apart from that my £400 a month goes on me just spending it on pretty much nothing i could easily pay my overdraft off i am going to make sure my wage goes in the bank this week
later on i will put what i spent the £80 on on tuesday i have worked it out now

mandymoo86

ok here it is
£20 to pay my mum for borrowing money
£12 plastic boxes ( not really needed)
£6 bacon sandwich and coffee at cafe
£12 shopping (not needed i had loads in fridge)
£6 2 taxis (not needed i could have walked)
£20 ordering some dieting stuff online ( not needed saw it in a mag and wanted to try it)
£10 toy for my daughter (a treat for being good )

so in the end my child benefit money went on rubbish i didnt need i only really needed to pay my mum back and could have bought my daughter a cheaper toy (she got it for doing well at school so it was needed)