We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Facing reality
Options
Comments
-
I printed out a copy of the organised mum method, its basically a little bit of cleaning approx. 15mins generally and then you really focus on one room per day for approx. half an hour. Might be an idea to print out and split the days up between you both? Then if you don't stick to that, at least she might get the hint that it should be both of you doing half of the cleaning lolPennies starts again...........2022 - £13,579.221
-
Lookafterthepennies2020 said:I printed out a copy of the organised mum method, its basically a little bit of cleaning approx. 15mins generally and then you really focus on one room per day for approx. half an hour. Might be an idea to print out and split the days up between you both? Then if you don't stick to that, at least she might get the hint that it should be both of you doing half of the cleaning lol*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Sarahwithlove said:alt80 said:@Sarahwithlove I could manage no takeaways but no restaurants / pub meals (well when we can ha), absolutely no chance. I know a lot of people have took the !!!!!! on my diary about running my RR and the champagne too but not likely to give up either. Aware it probably sounds bad but I earn well and can't do the whole knitting my own yoghurt stuff, just not for me so 100 get where you're coming from.
The addictive spending is a massive problem for me - I would 100 see a say £500/m personal spends fund as a min target so not at the stage of chilling out more about that side of things.
I too like to eat out and probably did 5 to 6 times a month minimum before lockdown but again think it's something I need to cut back on. Making my own Nandos at home has helped.
If not having a goal makes it work for you then that's fine. Maybe instead put other rules in place. So only coffee once a week that isn't a business expense for example. Allow yourself £100 every few months to go spend on clothes etc. Going cold turkey doesn't always help but if you know say in Feb you'll have £100 to spend on clothing it makes it easier to go that long without.If we can ever eat out again wife and I agreed it’s once every other week and once a year at our favourite place which usually don’t get out with much change from £500.
My real dilemma when I spend I really like to spend and it becomes a habit all over again, get the buzz and need it again. Know it’s ridiculous and is 100 addictive behaviour. I also have enough clothing to probably last a couple of lifetimes and all decent stuff so better avoiding the triggers altogether for a while at least. I know what you mean about restrained spending the reasoning is sound but not really for me right now.1 -
alt80 said:Sarahwithlove said:alt80 said:@Sarahwithlove I could manage no takeaways but no restaurants / pub meals (well when we can ha), absolutely no chance. I know a lot of people have took the !!!!!! on my diary about running my RR and the champagne too but not likely to give up either. Aware it probably sounds bad but I earn well and can't do the whole knitting my own yoghurt stuff, just not for me so 100 get where you're coming from.
The addictive spending is a massive problem for me - I would 100 see a say £500/m personal spends fund as a min target so not at the stage of chilling out more about that side of things.
I too like to eat out and probably did 5 to 6 times a month minimum before lockdown but again think it's something I need to cut back on. Making my own Nandos at home has helped.
If not having a goal makes it work for you then that's fine. Maybe instead put other rules in place. So only coffee once a week that isn't a business expense for example. Allow yourself £100 every few months to go spend on clothes etc. Going cold turkey doesn't always help but if you know say in Feb you'll have £100 to spend on clothing it makes it easier to go that long without.If we can ever eat out again wife and I agreed it’s once every other week and once a year at our favourite place which usually don’t get out with much change from £500.
My real dilemma when I spend I really like to spend and it becomes a habit all over again, get the buzz and need it again. Know it’s ridiculous and is 100 addictive behaviour. I also have enough clothing to probably last a couple of lifetimes and all decent stuff so better avoiding the triggers altogether for a while at least. I know what you mean about restrained spending the reasoning is sound but not really for me right now.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
I'm sad to say we have now moved into tier 4 as of tomorrow. Christmas is cancelled 😔*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Same here! We haven't had to cancel Christmas plans - we had already decided we were going to stay home on our own. I'm just glad I'm not on my own. I'm hoping anyone on their own is in a "bubble" so that they count as a household - I know for my sister that isn't the case as her DD is in Scotland and her DS is in a bubble with a friend near where he lives so my sister is going to be on her own. This was going to be her first Christmas not volunteering for Crisis at Christmas - this was not because she didn't want to but because she is over 70 and advised not to apply by the organisation themselves. I really feel for her and anyone else who will be on their own.
1 -
Is tier 4 not allowed to mix with anyone, not even Christmas Day ? X1
-
Oh just read joe Denise reply, oh that’s just heartbreaking that her sister will be alone. I do understand the most important thing is people have to be safe. I really don’t know what the answer is to all this x2
-
Parkyp said:Is tier 4 not allowed to mix with anyone, not even Christmas Day ? X*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
joedenise said:Same here! We haven't had to cancel Christmas plans - we had already decided we were going to stay home on our own. I'm just glad I'm not on my own. I'm hoping anyone on their own is in a "bubble" so that they count as a household - I know for my sister that isn't the case as her DD is in Scotland and her DS is in a bubble with a friend near where he lives so my sister is going to be on her own. This was going to be her first Christmas not volunteering for Crisis at Christmas - this was not because she didn't want to but because she is over 70 and advised not to apply by the organisation themselves. I really feel for her and anyone else who will be on their own.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards