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"And I am done with my graceless heart, so tonight I'm gonna cut it out and restart"

24567

Comments

  • dimestorediamond
    dimestorediamond Posts: 202 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 2 March 2016 at 8:44PM
    xxxxxxxxxxxxxx
  • dimestorediamond
    dimestorediamond Posts: 202 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 2 March 2016 at 8:44PM
    xxxxxxxxxxxxxxxxx
  • dimestorediamond
    dimestorediamond Posts: 202 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 2 March 2016 at 8:44PM
    xxxxxxxxxxxxxxxxx
  • dimestorediamond
    dimestorediamond Posts: 202 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 2 March 2016 at 8:44PM
    xxxxxxxxxxxxx
  • dimestorediamond
    dimestorediamond Posts: 202 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 2 March 2016 at 8:45PM
    xxxxxxxxxxxx
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Your mum sounds very much like me before I got my LBM! Being savvy about money is a funny thing. We weren't particularly well off when I was growing up, but never really wanted for anything important. My parents never instilled any money training in me - I think they thought you just picked it up naturally like them - they were brought up between the wars in working class families where you watched every penny. I've been rotten with money since a teenager, but my sister, who has had absolutely the same upbringing as me, has always been the total opposite! I sometimes think you are born a certain way when it comes to handling money. The good thing is that you've had your LBM while you are still young and have oodles of time to make a difference.


    You said that you were having problems recording your spending - before I downloaded the You Need A Budget software (which I thoroughly recommend by the way), I started off with a free spending diary app on my phone. This is handier than a paper diary as you can quickly enter your spending on the go and then record it properly later. Might make a difference for you.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • dimestorediamond
    dimestorediamond Posts: 202 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 2 March 2016 at 8:45PM
    xxxxxxxxxxx
  • killerpeaty
    killerpeaty Posts: 2,663 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Is there no way for your work to contribute to your parking costs?


    Some people have a natural interest in money, the thrill of the chase for a bargain, getting excited about watching your savings grow or feeling fantastic about the interest you receive, knowing that it's the best you can get at the time. To me, finances are a hobby that I can put away if I wanted to, but to other people they are a minefield and stressful. A friend of mine considers herself great with money, yet has no aspiration to save, just gets the most she can from her money. I'm not like that, I love to see interest.

    I hope the above doesn't come across as condescending in any way, I just wanted to contribute to the conversation :o
  • dimestorediamond
    dimestorediamond Posts: 202 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 2 March 2016 at 8:45PM
    xxxxxxxxxxxxx
  • shinner
    shinner Posts: 670 Forumite
    Seventh Anniversary Combo Breaker
    Just wanted to say hi and keep posting it seems to be helping you get things off your chest. This forum is full of lovely people who will support you. :)
    sealed pot challenge 099
    2013 £365 in total
    2014 ???? Target £400
    debt 1 [STRIKE]6753[/STRIKE] [STRIKE]6386[/STRIKE] 0000 debt 2 [STRIKE]4973[/STRIKE] [STRIKE]4731[/STRIKE] 0000 debt 3 [STRIKE]3673[/STRIKE] 0000 debt 4 [STRIKE]2400[/STRIKE] [STRIKE]2239[/STRIKE] 0000
    OH debt [STRIKE]3800[/STRIKE]2780
    Bank of Mum [STRIKE]£2750[/STRIKE] 2000
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