Who owns this money again?

CH27

Kitty777 wrote: »

I agree...I seem to be 'living on the breadline' to almost save as much as I can. I really do see saving as an extra bill...

Gosh, this is more messed up than I realised...

You need to have some balance in life.
By all means save something every month but you need to allow yourself an amount for entertainment eg cinema or coffee etc.

Kitty777

I have also been known to do overtime at work, just to put money into savings..

I have my tax due at the end of next month. I may just put that money aside and then treat myself a bit

Buzzybee90

Kitty777 wrote: »

I have been told by a few people, that I could get hit by a bus one day and then my savings are useless (well, they are not..but to me they are).

I also don't think I will ever save enough to be happy...I could win the lottery and save 99% of it. :P

I may set myself a target of 5,000. Save that, and then live a bit. Until i get a new job

Sounds like a good idea to me, my boyfriend and I set an initial target and we hit in in March :j however since then we have moved, bought a car and a MacBook - things which we hadn't planned on buying before we moved - it's always great to have the back up! If we hadn't have had the save mentality then that stuff would be out of reach for us - but we still made sure we had a bit of fun. Back on the saving wagon now after all of that!!

Tropez

Yeah, you do need to enjoy your life a bit. I didn't realise at first that it was quite such an obsession with you. It's very sensible and prudent to save money, even if you have no specific target that you're saving for but you shouldn't do this at the expense of enjoying your life. We've all only got one of them so you should think of things that you would like to do and that you could save a little toward.

Also, don't live on the breadline if you don't have to. Leave yourself some money to pamper yourself and have fun with. Feeling good about being you is a massive step toward overcoming anxiety issues you may have - it's not the cure but it is a step.

PasturesNew

With £5k and no particular plan, I think your social anxiety has let you get "stuck" in your safe zone.

Why not try to split your new savings in half - and save half what you intended - and splash out half ..... and see how it goes. Say a month on, month off at first. See how it feels. Month on = October, meaning the next month on = December, so Xmas time, when at least going out will mean seeing sparkly things

Kitty777

I am going to discuss these things with my partner tomorrow...
I am sorry if I misled you all, this is such a good forum and I guess I just needed a rant/someone to talk too.

Funny thing is, I don't have any high interest accounts for my savings. I may put some in an ISA or something and the rest for...me

PasturesNew

The bottom line is: he sounds like a good bloke and good fun. It's cheaper to spend a few quid having a good time with him than to lose him and spend money trying to find a replacement half as good

Errata

Clearly your partner benefits from you owning a car. Does he make any contribution to the cost of petrol, tax, insurance, maintenance?

Kitty777

PasturesNew wrote: »

The bottom line is: he sounds like a good bloke and good fun. It's cheaper to spend a few quid having a good time with him than to lose him and spend money trying to find a replacement half as good

He is a good man
But never really had the same money issues that I had as a child that is all..

Kitty777

Errata wrote: »

Clearly your partner benefits from you owning a car. Does he make any contribution to the cost of petrol, tax, insurance, maintenance?

When we go on long trips (100 miles etc) he pays half petrol costs, and pays for parking/buys me a drink if it is shorter journeys. He has also helped me with a few car maintenance things free of charge that could of cost me £10-£100 at a garage. But only 2-3 times