Must stop spending

little_miss_spendtoomuch

How is it Monday again already?!

I moved £300 into our joint bill savings account last week so we now have £916 saved for when we do start getting bills through. I'm going to get a meter reading and phone up British gas to see if I can set up a direct debit.

No idea how I have managed this but I have racked up £1000 on my spending credit card. The card I said I was going to clear next month. Thing is, I use it to buy like train tickets and stuff but always pay it back each month so I never get charged any interest.
I need to go through what I have bought to see what I can take back.
£436 was my monthly train ticket I bought this morning and I have already budgeted to clear that on pay day.
I have been wearing the same black jeans to work for the last two years and last week they split across my bum!! So embarrassing!! So enough was enough- I over ordered from m and s with 20% off on different trousers with the hope I could find a couple of pairs. I always needed work shoes. I've needed these since I started and have got away with wearing battered old ballet shoes and winter boots. But they are no good for my feet and I work for a smart company. I found a pair of shoes for £49 and then got 20% off. So I spent over £200 of shoes and trousers and need to work out what to return. My dad owes me £110 but that's still a lot left to pay on my cc next month

little_miss_spendtoomuch

I think I have worked out how to clear my card and it’s not as bad as I first thought.
I narrowed the trousers down to 4 pairs but after seeing my credit card I will choose just two or maybe three pairs to keep. They were all under £20.
I’m so naughty but one of the purchases was an £88 jumper from a different shop which I do not need!! I’ve had my eye on it for ages and it then had 20% off. Still too much money! I bought it online and collected it from store yesterday. Tried it on last night and my reaction was ‘meh’. For £88 I was very underwhelmed. Husband didn’t like it either so that will be going back either today or tomorrow. I’m such a fool. Clearly I haven’t changed my spending ways. It’s just so easy when you start putting stuff on a cc to just put more on. Sometimes I do just need to get things out my system though with something I think I need and must buy. When I do buy it I then change my mind. It just takes me a while to realise! Ha. I’m going to do my calculations when I get to work but I should be able to clear the card on pay day

little_miss_spendtoomuch

Ugh I check online everyday to see if they have done my council tax and it’s up there Band E just like I thought. How is a tiny three bed semi £2000 a year?! Our neighbours live in a 3 storey 4 bedroom house and they are also band E! How is that fair?

angela110660

Seems mean to me. Have a look at the gov.uk website as to how they work them out for a new build I would suggest.

little_miss_spendtoomuch

Thanks Angela, it says it’s based on property value so I have emailed them asking why we have been banded the same. Really don’t want to be paying £2000 a year

Just went and returned the overpriced jumper. That’s £88 heading back to my cc and a slap on the wrist.

little_miss_spendtoomuch

I can’t remember the last time I had a NSD because I buy chocolate everyday. I’m addicted. I know it all adds up and I know it would be cheaper to buy multipacks rather than one on its own. Today I bought a galaxy for 60p but I could have bought a pack of 4 twirls for a pound. But I never want to buy the pack because I want to be good and I tell myself that today is the last chocolate bar. Not true.
Anyway the only way I can stop buying and eating chocolate is to completely cut it out so I’m giving it for for November. Just in time for my advent calendar in December! Ha.
I’m hoping it might help save some pennies and lose a bit of weight!

little_miss_spendtoomuch

Hello pay day!! Finally!

I’ve paid £900 to our joint account.
Put £300 in my holiday fund.
Put £100 in my savings pay back account and paid £436 to the credit card.
After moving money about my bank balance is £666. Bit freaky seeing as it’s Halloween.
I still owe £302 to the credit card but that’s not going to leave me with much so I need to look at what I have on this month. I just want the card cleared but I don’t want to end up spending on it again!

I’ve got £700 in my savings pay back account.
£1700 in our future/baby savings.
£300 in my holiday savings.

We had one of those money savings pots which you have to break when it’s full. We have had it about £4 years and it was full of old pound coins so we smashed it the other week to find £113. Lol! Not too impressive for 4 years. We had a rule where we would only put pound coins in it so it didn’t get full of pennies but maybe that would have been better. Anyway, we banked it and that’s now sitting in a joint holiday account.

Last day of chocolate today and then I’m giving it up for the whole month!!

abba1772

I wouldn't beat yourself up over spending on your card.......at this time round you are in control not the card as you're aware you've spent on it xx

A whole month without chocolate I'm not sure I would be so brave lol xx

little_miss_spendtoomuch

Thanks Abba I just know how quickly it all adds up. This is from one month so I just want it gone ASAP.

Ha I don’t know how I’m going to give up chocolate either! I’m addicted!

little_miss_spendtoomuch

I phoned our gas and electric suppliers today to set up a direct debit as we haven’t received a bill and haven’t paid anything since we moved in in June.
I looked to set up an account online but the only option it gave me was £92 a month.
£92 a month??!!!!
Am I just really naive or am I being ripped off here? First my council tax and now this. I thought new builds were supposed to be energy efficient!

So I phoned them. 28 minutes later we agreed on £75 a month. I could have paid less but he recommended £83 and I didn’t want to pay less than I needed to.
I didn’t realise gas was so expensive. I never paid it in my flat and this guy reckons £50 a month is normal