HELP! Have cut back all I can but am still over-spending!

suburbanwifey

ScrimpingandSaving wrote: »

"If you stopped drinking, having 'fun spends' and kids savings/pocketmoney, you could easily afford to go and see your dad. You need to rethink your priorities because at the moment your are being so defensive, you arent willing to accept that you have a scewed sense of entitlement."

I will take some good advice given in one of the last posts. I will take the good advice on board and leave the rest.

Putting money away for my children is an essential. That will not stop.
Pocket money is only £2 a week, what difference will that make?
I have already outlined how I am cutting back on drink, did you not read that? Or are you just too keen to have another dig at me? What is the point for having a go at something I have already taken on board and made a decision on?

Cutting down all of that will not provide the extra £900 or so we will need for a trip to Orkney. It's a non-essential trip. Just like a yearly holiday, you take it if you can afford it and you don't if you can't.
I saw my dad when he was down for Christmas. I ring him every weekend. He'll just have to wait until next year before we can all visit him.

Don't let the one's dissecting your life to bits get to you honey, you know what some on the internet can be like. Just read this whole thread and the know-it-all's as usual spoil the helpful genuine advice some on here are able to and do give. Don't react, makes their day. If everybody cut out everything that was non-essential to the know-it-alls on here, no life would be worth living I agree. Try to find a balance but cutting everything out isn't the answer, and I for one would not stop that saving of 100 pounds per month, that's your security blanket. If I were you, I'd cut down that grocery bill, keep my wine treat (you do deserve it!) and don't let these on here upset you x

CH27

ScrimpingandSaving wrote: »

"A screwed sense of entitlement" again I think posters are themselves just having a go in order to make themselves feel big and clever.

I really should not come back onto this thread. I have said how I am making changes and yet people are still coming back to have another go and yet another.

What do you have to do on this board? Bow down and kiss the feet of those who disagree whilst wailing that your whole life is a mistake and begging them for forgiveness? At what point do posters read "I'm making changes" and then decide that it's just not enough and they should attack some more for the hell of it, because upsetting people in real life might just make their day and weekend? Is it because I didn't take your advice about the hayfever Flea? Is that what has got up your nose (no pun intended)?

I am a real person and I do actually have real feelings. I have made those feelings quite clear and stated several times that it's been a difficult journey for me but one that I've learnt from.

You must see some sort of entitled lifestyle in my posts. I wonder if you live in a sackcloth and eat nothing but bread and water? If that is the case then yes, I probably do live quite extravagantly.

That's me done now. Kick me off this thread please. It's not doing me any good and it not a very pleasant start to the weekend.

Stop being a drama queen

People are looking at the big picture & sometimes it's hard for people to hear.
Yes you are making changes & kudos to you BUT there are other changes you can make.

The beauty of this place is the diversity & range of opinions.

suburbanwifey

That 'screwed sense of entitlement' comment from one poster on here has really annoyed me! Reminds me back to a thread I was talking on a year or so ago where I got attacked for saying I took half an hour when I had a shower! I ended up letting it get to me, defending myself by saying I washed my hair, shaved and exfoliated etc and that's why it took so half an hour and I paid for my water by water meter, I was told I was wasting earths precious resources! I had a screwed sense of entitlement etc. and was basically a prima-donna LOL - when I pointed out that my hubby and I pay more in tax and NI than most people earn per month it still didn't shut them up. Feeling angry because idiot strangers attacked how I choose to spend my money we have worked damn hard for should not have got to me and no longer does, but I really feel for this woman who posted here asking for help.

Screwed sense of entitlement? jesus ... is it no wonder people come here for help and then run when the over zealous know-it-alls start.

Grips my **** I'll tell ya.

I'm shutting up now too as idiots really do annoy me!

365days

Don't let a few wind you up. There is an ignore function. Just click on the user name and it will come up. It doesn't take long to suss out the people whose opinion is worthless to you. Clicking it can be quite liberating.

tabby_cats_mum

I really can't believe how mean people are being fortunately the nice people are tipping the balance the right way.

S and S you keep drinking your wine, everyone needs to relax and that is your social outlet, I am the same, I rarely have a night out but my Saturday night bottle is non negotiable (the Frday/Monday night one possibly could be!!)

My children have second hand clothes, it's called upcycling theses days, other children have my childrens once new but still immaculate clothes, saves the planet.

As to the insurance, well if I posted an SOA I would get shot down in flames because I am paying out so much in probably unnecessary insurance for various things but that's my choice just as you've made your own.

I would recommend meal planning as that has helped me budget and I only use cash now to make me think about what I'm spending.

Good luck, keep us posted

XXSCOTSLASSXX

Apologies if my post offended was not the intention, the comparison to alcohol and contents insurance was intended to maybe make you think a little however I can see this didn't fall into place... I don't think anyone is intending to offend however some of your reasoning's etc do seem way off priorities wise.

I have seen the devastation loosing your home in a freak accident can bring, which is maybe why I can't understand the reasoning behind the contents insurance, and yes some people have no choice in having it or not, that is not your circumstances tho I can bet if you asked anyone in a high flood area who is now unable to get home contents insurance if they could would they take it .... 100% would say yes most defiantly. My brother and his wife are both in extremely high paying jobs, have no debt, a vast amount of savings...if they had no contents insurance replacing everything would have financially crippled them...please bear in mind the average contents insurance covers £75,000 . Anyway I will butt out, my contribution is worth nothing lol wish you all the best in the cutting down please don't be put off by some of the responses (mine included!!) the site is fantastic and you will gain much insight and tips from many posters

mullymessiah

Do you work from home or for yourself? Either way is there a chance to increase income? What about a declutter? How's about a selling clear out and putting that towards the pub instead?

lizzy23

take the good bits and ignore the judgements, no one has any right to judge how you live your life, you know you're overspending and with some good advice, you know where you can make savings (have to say Lidl is your friend) you strike me as an intelligent woman, i'm sure you are well aware of any risks and are comfortable with them, good luck with it all, my bit of advice, use cash for your shopping if you do end up going, thats you're budget when its gone its gone

bess1234_2

This has gone on long enough now! think of all the thousands of people reading this forum desparate to reach out for help. This is not the way to help anyone.
Everyone who's had a pop at the op, you have all given enough evidence to have a pop back at you, but that would make me no better.

We all come to moneysaving in our own way, and the simplest thing like meal planning and grocery budgets spreads ripples throughout your life. Stop shooting people down because they want to make a start, and get a life !

OP a bottle of wine tonight ( on a friday too!) to recover from this, and celebrate the start of your financial freedom. But switch the computer off first and put it under the kids beds , so you can't think of letting all your frustration out at people after a drink. Not that i would ever do anything like that:rotfl:

suki1964

suburbanwifey wrote: »

That 'screwed sense of entitlement' comment from one poster on here has really annoyed me! Reminds me back to a thread I was talking on a year or so ago where I got attacked for saying I took half an hour when I had a shower! I ended up letting it get to me, defending myself by saying I washed my hair, shaved and exfoliated etc and that's why it took so half an hour and I paid for my water by water meter, I was told I was wasting earths precious resources! I had a screwed sense of entitlement etc. and was basically a prima-donna LOL - when I pointed out that my hubby and I pay more in tax and NI than most people earn per month it still didn't shut them up. Feeling angry because idiot strangers attacked how I choose to spend my money we have worked damn hard for should not have got to me and no longer does, but I really feel for this woman who posted here asking for help.

Screwed sense of entitlement? jesus ... is it no wonder people come here for help and then run when the over zealous know-it-alls start.

Grips my **** I'll tell ya.

I'm shutting up now too as idiots really do annoy me!

Oh I remember that thread, was bloody hilarious :rotfl::rotfl:

As I said to the op, there's some on these boards who aren't happy less they are heating and lighting the whole house on one candle and expect everyone else to do the same. And yep there's some of them contributing ( I say that loosely ) to this thread

I do wonder if they actually even read what they write and check that it has anything to do with the op before they hit send?


Some people need to get over themselves and accept their lives are not the op's life


Op, you don't have to explain yourself to ANYONE on here, so don't. Use the ignore button, you will find it under the user's name. We have a great expression here, don't feed the trolls, ignoring is the best way to starve the wee beggars. :rotfl::rotfl: