My accountability thread - diary of an in-denial credit card spender

Sarahwithlove

I agree you need to get in habit of not taking other cards with you. If you have Google or apple pay remove the cards from there as well. 

Moneywhizz

The only way to get this debt down is for you to get control of your spending. Setting a personal spend amount for each week/month and keeping it in a separate account is your best way of doing that. If everything else is accounted for in your budget, including saving an emergency fund, there shouldn't be any need to take any other cards with you or use them for online purchases. It is hard to change your spending habits but many people on here have managed to do just that and are now living debt free, and able to choose what to spend their money on, rather than paying it all to debts. I am sure you will be able to do it too. 

Scott_Weiland79

MFWannabe said:

Scott_Weiland79 said:

UMFWannabe said:

Scott_Weiland79 said:

Random question here but are you doing anything extra too boost income etc?

Re going into the office I would only go in when you absolutely have too, if I go into the office its extra cost ie travel costs etc.

Re contents insurance personally I wouldnt bother unless you can click a good cashback deal like 50-60quid. Personally we don't pay contents insurance we have an emergency fund for that. Putting 20-30 quid in a savings account is a better option trust me, whats the point in having contents insurance you could pay hundreds for it over the years and never need it. Plus think of it this way if you put 25quid per month into a savings account and say you get an expected bill you have that money there then you can gradually replenish the account and your gunna earn interest. Win Win rather than lining an insurance companies pockets

Totally disagree with the statement reference contents insurance, contents insurance is not very expensive, approx £5 per month and covers everything in your home from tvs to carpets etc, that can amount to tens of thousands of pounds to replace should you have a fire or flood for example 

If they live in a city it’s highly unlikely they will get contents ins for 5 pounds. And yes they could have a flood but they also may not it’s not very likely unless they live on a flood plain.

A flood doesn’t just mean if they live on a flood plain 
Burst water pipe? Boiler issues? 

You need to think what it would cost to replace everything inside your home, trust me that is a lot of money
and yes I live in a city and my contents is £5 per month 

MFWannabe said:

Scott_Weiland79 said:

UMFWannabe said:

Scott_Weiland79 said:

Random question here but are you doing anything extra too boost income etc?

Re going into the office I would only go in when you absolutely have too, if I go into the office its extra cost ie travel costs etc.

Re contents insurance personally I wouldnt bother unless you can click a good cashback deal like 50-60quid. Personally we don't pay contents insurance we have an emergency fund for that. Putting 20-30 quid in a savings account is a better option trust me, whats the point in having contents insurance you could pay hundreds for it over the years and never need it. Plus think of it this way if you put 25quid per month into a savings account and say you get an expected bill you have that money there then you can gradually replenish the account and your gunna earn interest. Win Win rather than lining an insurance companies pockets

Totally disagree with the statement reference contents insurance, contents insurance is not very expensive, approx £5 per month and covers everything in your home from tvs to carpets etc, that can amount to tens of thousands of pounds to replace should you have a fire or flood for example 

If they live in a city it’s highly unlikely they will get contents ins for 5 pounds. And yes they could have a flood but they also may not it’s not very likely unless they live on a flood plain.

A flood doesn’t just mean if they live on a flood plain 
Burst water pipe? Boiler issues? 

You need to think what it would cost to replace everything inside your home, trust me that is a lot of money
and yes I live in a city and my contents is £5 per month 

lets agree to disagree here i am not saying anymore but i am curious what your excess is on your 5 pounds policy. and you mention burst pipes/boiler issues last time I checked excesses ranged from 250-500 sometimes more.