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!
No excuses
Options

teaandcupcakesplease
Posts: 213 Forumite


Hi, long term lurker, ocassional poster, First time Diary.
About me
I and 47 with a 8 y/o DD. I have a long term partner (20 +years) both work good jobs with reasonable income. My partner is excellent with saving me however, i'm a bit of a hit or a miss. I can save but i am fritter and a bit of a shopaholic. My goal is to save as much as i can without being miserable but recognising that i don't need stuff and to be savvy with the things i do buy. I am also diagnosed with MH conditions so that also puts a spin on things. I like to be organised and feel better with lists and plans, tidy house tidy mind that sort of thing.
I don't have a lot of debt but its debt all the same. Currently it stands at CC £1100. I have the means to pay this off but what happens is i just use the credit card again and run it up so this time, i have decided that for me, the only way i will learn is by paying it off over time that way it will matter more and perhaps teach me a lesson
I have also just about to transfer this over to a 0% interest rate.
I do a budget every month but i think i underestimate how much personal spends i give myself and perhaps i am too ambitious with saving so taking that into consideration i have a new budget.
i hope i get some followers.... over time ill tell you more about me but for now i have a few things to sell on FB pages.... i cant wait for payday now (MONDAY)
thanks for reading
About me
I and 47 with a 8 y/o DD. I have a long term partner (20 +years) both work good jobs with reasonable income. My partner is excellent with saving me however, i'm a bit of a hit or a miss. I can save but i am fritter and a bit of a shopaholic. My goal is to save as much as i can without being miserable but recognising that i don't need stuff and to be savvy with the things i do buy. I am also diagnosed with MH conditions so that also puts a spin on things. I like to be organised and feel better with lists and plans, tidy house tidy mind that sort of thing.
I don't have a lot of debt but its debt all the same. Currently it stands at CC £1100. I have the means to pay this off but what happens is i just use the credit card again and run it up so this time, i have decided that for me, the only way i will learn is by paying it off over time that way it will matter more and perhaps teach me a lesson

I do a budget every month but i think i underestimate how much personal spends i give myself and perhaps i am too ambitious with saving so taking that into consideration i have a new budget.
i hope i get some followers.... over time ill tell you more about me but for now i have a few things to sell on FB pages.... i cant wait for payday now (MONDAY)
thanks for reading
7
Comments
-
Following
Also new here and also a bit of a shopoholic!
I don't think I realised how much I was spending in certain areas until I went through 3 months worth of bank statements and categorised each item into groups. It was eye-watering how much I had spent on shopping, gifts and takeaways for example and gave me the real kickstart I needed to being better with my money!
Good luck on your journey!Debt free November 20221 -
sunshine_raincloud said:Following
Also new here and also a bit of a shopoholic!
I don't think I realised how much I was spending in certain areas until I went through 3 months worth of bank statements and categorised each item into groups. It was eye-watering how much I had spent on shopping, gifts and takeaways for example and gave me the real kickstart I needed to being better with my money!
Good luck on your journey!
0 -
Good luck on your journey! I can impulse buy very easily. If you can order things from your phone in a matter of minutes - you have an app, which works seamlessly, and your phone saves your details so you don’t even need to dig out your card, it’s so easy to spend a fortune.
I’ve taken the popular 72-hour approach. Wait three days, and if you still REALLY want it, then you can buy it. Change the three days to a week if you need to.1 -
Good Luck on your journeyDays to Orlando: 462- ☀️🎢1
-
londoner2019 said:Good luck on your journey! I can impulse buy very easily. If you can order things from your phone in a matter of minutes - you have an app, which works seamlessly, and your phone saves your details so you don’t even need to dig out your card, it’s so easy to spend a fortune.
I’ve taken the popular 72-hour approach. Wait three days, and if you still REALLY want it, then you can buy it. Change the three days to a week if you need to.
0 -
1
-
good luck,it sounds like you have some good plans in place! I also tend to fritter money away and then regret it,and like you I also feel at my best when I’m organised and in a routine, and yes I love a list and a tidy house! Just need to declutter a bit more,it’s only clothes etc I have too much of but I dream of being very minimalist!
Looking forward to seeing your progress,we sound quite similar!😊1 -
Amber1980 said:good luck,it sounds like you have some good plans in place! I also tend to fritter money away and then regret it,and like you I also feel at my best when I’m organised and in a routine, and yes I love a list and a tidy house! Just need to declutter a bit more,it’s only clothes etc I have too much of but I dream of being very minimalist!
Looking forward to seeing your progress,we sound quite similar!😊0 -
Morning all
my payslip was in. I was due a little back dated wage rise (not alot) so i have £185 extra. it wont always be like that as the wage rise is like 1% if that and with NI going up etc i will no doubt have a wage reduction going forward HOWEVER, it is what it is but this month i have the extra so to the credit card it goes. i have transferred over to a o% interest so will pop the figures down on Tuesday (once payday has been and gone and i know what the true figures are.)
I put a couple of things i had in my wardrobe on FB they still have the tags on them but realistically i wont wear them. they were both £45 on the tags (although i am positive they were sale items) anyhoo i have popped them on for £20 ono if they don't sell or no interest i will reduce the price and may even list on ebay. I don't like doing this. Not because its hard, tbh i'm just lazy when it comes to that..... (not point in lying lol)
Have the best day people. Lovely snow here and sun shining... always nice when your cosy and staying in lol - now to get on with work. (i work Full time WFH for the time being)
Tea x0 -
Morning so its pay day today and i have organised my money and re calculated the budget. I have given myself £200 per month if i don't spend it all it will roll on to next month or i'll save it in the house. I have started withdrawing money every month. There is something about not breaking a note for little things (which add up) and also having a wee competition with myself how long its in my purse for! I was always surprised with this after i quit smoking (10 year now) and how long a fiver could last me (cigs have gone up considerably since then!
What i would like to do is buy one of those budget planner binders i wanted one last month too but resisted the urge. I still think about it - often maybe i can put it on a bd list or something
I now have 0% on Tesco Credit card current balance £850 and next card £210 (i forgot about next when i started the diary) so today i have paid £200 towards debt. It would have been a little more but the Car Ins is due. i still haven't sold the clothes so i have one more site to put it on failing that its ebay.
I have a couple of nights out this month. nothing major a trip to pub and a cheap meal out with work friends. these will come out my £200. i don't really drink that much if honest but with the average drink costing £5 it can get expensive.
Todays job - sort out finances - done
List clothes on FB -
get Car insurance sorted-
Have the best day peoplexx
1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.5K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards