Need kick up bottom

Crown

Mozette wrote: »

Echo what Racer says about a spending diary, when you see how much you have spent on - whatever unecessary thing is your particular weakness

Tell you what, I spend £200 a month less on lattes now!!!

Glad it wasnt just me going this. Its madnes how it adds up. Even with just one cup a day you still spend nealry £50 a month if you go to Starbucks or Pret. £200 a month, £2400 a year just on Coffee!! :eek:

moneymaniac_2

Thanks for this advice- i really think that getting on board (this board) will help me!

Can you direct me to how i put a sig on my name?

Thanks v much indeedy

MM
x

Crown

towards the top of the page there is a menu with "USER CP". Click on it and there are options on editing your signature. Just make sure you stick to the rules of the forum

Dithering_Dad

moneymaniac wrote: »

Can you direct me to how i put a sig on my name?

MM
x

Click on the "User CP" link towards the top of the page and then in the "Control Panel" at the left of the page, chose "Edit Signature". While you're in there you might want to create a profile and also go to the "options" bit and choose "show avatars".

p.s. Will DFW ladies please stop PMing me, it was just a joke, I'm not really doing escort work!!

Mozette

Crown, I'll confess, when I say £200 a month, I mean, bare minimum £200, and let's be honest, most months it was nearer £400, and some months it was more. I tell you something else, I sleep much better now, and not just because I should (no, I WILL) be debt free next year, but I think all that caffeine was playing havoc with me!
Sorry to nick your thread a bit MM, but back on topic, really, it was 'only' a couple of quid - each - and what's a couple of quid? Nothing much, but add it up, and it means a debt free date so far in the future I doubted I would live to see it, or debt free next year! (Obviously it wasn't just lattes that I was frittering on!).
Don't be too hard on yourself though, I'm sure most of us slip up now and again - I do - but don't let that spiral into thoughts of 'oh I've spent £20, I may as well spend £200', just think, oh well, it's done, it's spent, but I'm not doing it again.

Storm

Hi MM :hello:

I was in a kinda similar position when I had my LBM - I was meeting minimum payments fine, and didn't even really bother keeping track of my money - it was only reading an article sayign that my bank were going to be clamping down on people who lived permanently in their overdrafts (me!) that I realised I HAD to do something.

Motivation works differently for different people, so have a look at onedayiwill's list & see if there's something there that strikes a chord with you.

Good luck, and welcome to DFW!

Mozette

I wondered about signatures, I've done one, let's see if it worked.
I'm supposed to be vaccuming you know!

moneymaniac_2

One and all,

Thanks for all your help and support. My light if flickering alright and i will put a sig on ASAP and i think a SOA will help too.

I cant get on here very much as not too much time while at work but will do my best and try and update in evening when home.

I have just set up a DD to go straight into savings account day after i get paid, as this will help me see what i REALLY have left for essentials each month and not fritter it away.

I also think i will try to explore my issues with spending, as i do feel it is related to issues of my self esteem and also issues with money passed on from my lovely mum and dad...

I need to explore this further and maybe even talk to friends about it who would never ever guess i had these feelings i am pretty confident, happy etc.....and feel that if people knew my real situation they would support me when i say i cant come out/go on holiday etc

I am trying to face my bid debts and i do know they wont go away. Lets hope that this is my first day as a DFW!!My OH is also on the case.

Thanks again, i truly appreciate all your comments

Have a lovely weekend;)

MM

taxi73

Hi there with both of you on board and a lovely house to look forward to..that's a great motivational tool...look forward to looking at your SOA and good luck...great those LBMs..are'nt they?