I Must Buy My Needs Not My Wants

diystarter7

Hi all

Good luck OP

I, we ie me and Mrs D have been pretty good with self-discipline as we have always been like that. But we are big softies come presents and  treats for our grandkids but that is fine.

Since leaving work at 55 yrs ago, I've become tighter when spending but on certain things

I often recite the MSE matra as per the first paragraph of my signature. Please see below if you are interested. Works for me but I was 99% there but it still helps.

Rosa_Damascena

diystarter7 said:

Hi all

Good luck OP

I, we ie me and Mrs D have been pretty good with self-discipline as we have always been like that. But we are big softies come presents and  treats for our grandkids but that is fine.

Since leaving work at 55 yrs ago, I've become tighter when spending but on certain things

I often recite the MSE matra as per the first paragraph of my signature. Please see below if you are interested. Works for me but I was 99% there but it still helps.

I agree, I've got more than enough stuff. However this last 5 weeks it has been spend spend spend on stuff that I want rather than need (eg this evening I have bought a load of perfume that I have worn for years), and I'm happy with these luxuries. You can't take it with you so I'm going to enjoy it while I can.

diystarter7

Rosa_Damascena said:

diystarter7 said:

Hi all

Good luck OP

I, we ie me and Mrs D have been pretty good with self-discipline as we have always been like that. But we are big softies come presents and  treats for our grandkids but that is fine.

Since leaving work at 55 yrs ago, I've become tighter when spending but on certain things

I often recite the MSE matra as per the first paragraph of my signature. Please see below if you are interested. Works for me but I was 99% there but it still helps.

I agree, I've got more than enough stuff. However this last 5 weeks it has been spend spend spend on stuff that I want rather than need (eg this evening I have bought a load of perfume that I have worn for years), and I'm happy with these luxuries. You can't take it with you so I'm going to enjoy it while I can.

True, very true and an aunt of mine used to say that when she was close to 60 went around the world, she loved it so much travelled continental about 3/4 times a year by the time she was 90 and fairly able she had a large house lived there for 50 yrs not want to move but very expensive to heat and look after and by stair lifts for all three floors - she regretted not saving enough as no one knows how long they will live.

As we get older especially recently - I always spend more on stuff we enjoy and recently got a 75in OLED tv - we paid a lot lot more than we talked about the night before but we love it, Same with the car - a couple of years ago, max was 50k but spent a lot, a lot more than that. We all do that but i do not want to be worrying about the roof 25 years down the road and not have the money for it - so its a balance and most people manage that who have lived in their own property as they have always needed money to look after it,

One thing I hate these days is having too much stuff and rarely out - so before away, we just buy new clothing and wear it when back and chuck it away more often than i did - so yes, spend it but it is harder when you've always had good amounts of cash and even better income living off pensions and leaving work 11 yrs before state pension age which is a few yrs down the road.

We are even more generous on wedding gifts etc as getting more generous in old age, lol.

Good luck

SergeantBaker

diystarter7 said:

Rosa_Damascena said:

diystarter7 said:

Hi all

Good luck OP

I, we ie me and Mrs D have been pretty good with self-discipline as we have always been like that. But we are big softies come presents and  treats for our grandkids but that is fine.

Since leaving work at 55 yrs ago, I've become tighter when spending but on certain things

I often recite the MSE matra as per the first paragraph of my signature. Please see below if you are interested. Works for me but I was 99% there but it still helps.

I agree, I've got more than enough stuff. However this last 5 weeks it has been spend spend spend on stuff that I want rather than need (eg this evening I have bought a load of perfume that I have worn for years), and I'm happy with these luxuries. You can't take it with you so I'm going to enjoy it while I can.

True, very true and an aunt of mine used to say that when she was close to 60 went around the world, loved it so much traveled continental about 3/4 times a year by the time she was 90 and fairly able she had a large house lived there fo 50 yrs not want to move but very expensive to to heat and look after and by stair lifts for all three floors - she regretted not saving enough as no one knows how long they will live.

As we get older especially recently - i always spend more on stuff we enjoy and recently got a 75in OLED tv - we paid a lot lot more than we talked about the night before but we love it, Same with the car - a couple of years ago, max was 50k but spent a lot, lot more than that. We all do that but i do not want to be worrying about the roof 25 years down the road and not have the money for it  - so its a balance and most people manage that who have lived in their own property as they have always needed money to look after it,

One thing i hate these days is having too much stuff and rarely out - so before away, we just buy new clothing and wear it when back and chuk away more often than i did - so yes, spend it but its harder when you've always had good amounts of cash and even better income living off pensions and leaving work 11 yrs before state pension age which is a few yrs down the road.

We are even more genrous on wedding gifts etc as getting more genrous in old age, lol.

Good luck

Who's the "we"? The wife you don't trust, just shows you can't buy happiness. 

diystarter7 said:

I dont trsut anyone and may sound brutal but I do not trust my wife 100% when she is out but I do trust her with our money as we have joit accounts etc, that is just me beig honest.

If I feel someone is taking the p, i will never speak to them and if it is going to be the T, they will be out first chance I get.

Thanks and thank you for the detailed post,

Pollycat

diystarter7 said:

Rosa_Damascena said:

diystarter7 said:

Hi all

Good luck OP

I, we ie me and Mrs D have been pretty good with self-discipline as we have always been like that. But we are big softies come presents and  treats for our grandkids but that is fine.

Since leaving work at 55 yrs ago, I've become tighter when spending but on certain things

I often recite the MSE matra as per the first paragraph of my signature. Please see below if you are interested. Works for me but I was 99% there but it still helps.

I agree, I've got more than enough stuff. However this last 5 weeks it has been spend spend spend on stuff that I want rather than need (eg this evening I have bought a load of perfume that I have worn for years), and I'm happy with these luxuries. You can't take it with you so I'm going to enjoy it while I can.

True, very true and an aunt of mine used to say that when she was close to 60 went around the world, she loved it so much travelled continental about 3/4 times a year by the time she was 90 and fairly able she had a large house lived there for 50 yrs not want to move but very expensive to heat and look after and by stair lifts for all three floors - she regretted not saving enough as no one knows how long they will live.

As we get older especially recently - I always spend more on stuff we enjoy and recently got a 75in OLED tv - we paid a lot lot more than we talked about the night before but we love it, Same with the car - a couple of years ago, max was 50k but spent a lot, a lot more than that. We all do that but i do not want to be worrying about the roof 25 years down the road and not have the money for it - so its a balance and most people manage that who have lived in their own property as they have always needed money to look after it,

One thing I hate these days is having too much stuff and rarely out - so before away, we just buy new clothing and wear it when back and chuck it away more often than i did - so yes, spend it but it is harder when you've always had good amounts of cash and even better income living off pensions and leaving work 11 yrs before state pension age which is a few yrs down the road.

We are even more generous on wedding gifts etc as getting more generous in old age, lol.

Good luck

I really hope you don't just chuck away clothing that would have been worn just a few times.
Charity shops are the place unwanted, decent items should go to.
Not landfill.

Sometimes a little treat is just the thing you need to make you feel less constrained by budgeting to the knuckle.
A little like having a small treat when you are on a diet to relieve the monotony of counting calories or whatever.
Exactly as this poster puts it:

OrkneyStar said:

I find that buying the odd small/cheapish want helps me mostly buy needs.;)

DrCarrie

London_1 said:

 'Happy Cash Stash' 

Love this! I am goiing to implement it. Many thanks.

London_1

DrCarrie said:

London_1 said:

 'Happy Cash Stash' 

Love this! I am goiing to implement it. Many thanks.

I have had a 'Happy Cash Stash' for over 60 years and its cheered me up on many occasions when life has been tough and a bit grim and the wolf wasn't only knocking on the door ,but trying to break it down My late Mum was a brilliant lady and years in front of her time I think. She had a collection of herbs and spices that was terrific and could make the 'beigest 'of meals taste delicious.Bearing in mind she had 14 years of wartime and post-war rationing and austerity.  Where she found them I'll never know, but find them she did, she grew an awful lot of stuff as well and as we had a very large garden that helped no end. 
I can remember her when we had a glut of tomatoes she would chop some up and sprinkle a small spponful of her precious sugar over them and we would eat them like strawberries I still like strawberries with a little sugar on top in the summer. She was the one who instilled into me tha value of a shilling, and how to make it do the work of two/three if at all possible Also to never if you can help it be in debt, if you haven't got the cash then you don't buy it was her strict motto. I think sometimes her and Martin Lewis would have got on like a house on fire Definitely a canny wee Scot bless her

JackieO xx