I am not trying hard....

deliciosa

Snaggles wrote: »

I think you deserve more than that - have a row of hyperactive jumping smileys...

:j:j:j:j:j:j:j:j:j:j:j:j

how generous of you :j

deliciosa

Hiya englishmac!

such a great post, thanks! especially the bit about honest budgeting - so true, and many of us here have a tendency of setting unrealistic goals in our first excitement, and when we fail, we give up....

also, if i have to buy something, bringing just enough money to the store is very sensible, but gosh, THE HARDEST THING TO DO!!!!! I still get all sweaty and nervous if i dont have more on me than needed. Why is this?

got the amount of my debt written in my purse

DFW abbreviations explained here:

http://forums.moneysavingexpert.com/showthread.html?t=672601

Hope it helps!


x x x

rosh12

Thanks for this post- I can so relate. I never saw myself in debt... Yes, DH had about £7000 in a car loan, student loan, and old consolidation loan, and yes, somehow my credit card had crept up to £1500... Now, my maternity leave is finishing, I haven't been able to find a new job, we are reliant on DHs income... and I still seem to have the same spending habits. Your post is inspiring- I hope I can bite the bullet too.

deliciosa

rosh12 wrote: »

and yes, somehow my credit card had crept up to £1500...

they have this nasty habit, don't they :rotfl: :rotfl: :rotfl:

CAFCGirl

deliciosa wrote: »

hahaha :rotfl::j i can see you fuming and muttering in tesco :rotfl::T but you DO need to eat,

I looked like a woman possessed.:eek: Jumped straight back on the band wagon and didnt spend a penny today though

I actually managed to watch Curse of the Golden Flower.... forgot it was subtitled (in very small print) and had to sit pretty close to the t.v.... blink and you missed the plot But beautiful set though.... :A

I'm impressed at how many days you've been without Amex...

"My name is Deliciosa and I am an American Express Addict, It's been 8 days since my last swipe" :rotfl:
I think you defo deserve more than a tap on the shoulder... just not a DVD tho :rolleyes: lol

What are you planning on renting from Aunt-Buster this week then?
My weekend will be taken up with working and dealing with a new staff member... Just looking forward to a day off finally..... next wednesday! :eek: Friday 15th was my last, and I'm feeling it now

MaggieBear

dfw844 wrote: »

That really made me laugh - you probably didn't mean it but it made me think of those times I've had 'female' emergencies and no change for the machine in the ladies!!! You're right, even my huge credit limits can't help with that! And for the men out there a) sorry and b) no I didn't mean contraception

:rotfl: Oh that's priceless! (well within budget then )

MaggieBear

CAFCGirl wrote: »

Delic' and everyone else!

I dont know what you've all done to me, but I actually got annoyed with having to spend money on bread and milk earlier on! It ruined my ruin of no spend days!
LOL I was walking round Tesco's practically livid with the place and everyone in it!

Keep trying to tell mself I do need to eat! LOL as does darling husband to be!
And now I'm just laughing at myself....

:T Oh, I know this one you just kind of feel but why do you have to, right?

MaggieBear

deliciosa wrote: »

you see i am such an addict, if i dont know the pin, as you said... well i just use it online!!! :rotfl:

ook we can make this as a tough love club mantra: "there is no emergency that the plastic can help me with" ohh but what if... and if... and if maybe.. and what if......?????????? :o:o:o:o:o:o:o:o:o:o:o

Now my weekend looks the following: friday, sat and and sunday staying in town in aunt's house = no travel costs (i dont have travelcard anymore, cycling everywhere or pay bus on oyster....). friday dinner - free. sat lunch and din - free. sun lunch - aunt's fridge :rotfl: sun eve party - free. SOUNDS absolutely fab

tomorrow have to buy diet coke tho (£2.66) and i only have £1.24.... means i will go through drawers and pockets tonight. wish me luck!!! why don't we do a "who finds more cash in the house" challenge :j:j

The plastic's a bit insiduous like that, hu? I think I might need like an AA for plastic users - I have gotten rid of all bar one card though, which I need to keep in case work send me away somewhere... not that there's much I can spend on it at the moment

there is no emergency that the plastic can help me with

:rotfl: I'll need to start reciting that every day, I think

Your weekend sounds fab - and very DFW too


I think I've found most of the coins in my house - and stuck them in my Tardis money box but I'll take you up on that... hrm... kitchen drawers might have the odd wee thing in them...

Right, I'm on page 29 of your diary....

MaggieBear

deliciosa wrote: »

by the way, amex addict as i am - when's the last time I used my american express (- starbucks...)?

....
....
....
the
13th of february!!!

Can you believe it?

I have been using it every day, thrice a day! i was living off it! nothing could upset me more than places that dont take amex. and I am abstinent for seven days now!!!
i deserve a little tap on the shoulder don't i.

I think you deserve about a million of these: :T :T :T :T :T :T :T :T :T :T :T WELL DONE YOU!

MaggieBear

englishmac wrote: »

Budget honestly. Sounds easy but it isn’t, as most MSEers probably know. There’s no point in budgeting for £30 housekeeping if it isn’t realistic. You will fail immediately and it will just encourage you to give up before you’ve really got going.

Do not carry a credit card or cash if possible - carry your account card. This reduces the amount you have for ‘emergencies’
....
If you have to spend, plan it and carry only the cash you have allowed for the item(s) in question. If that is all you have, then you can’t overspend. Take a calculator with you if necessary.

To keep yourself motivated, plan specific rewards for successful milestones and specific treats for the times when you get disheartened. By doing this you reinforce your resolve to meet your goals by celebrating your success and allowing yourself a bit of indulgence for when you need a little TLC. By pre-determining your rewards/treats you still remain within your budget and have no good reason to feel guilty if you temporarily ease off.

Join your local library. Libraries are something we don’t tend to bother with in these modern times when our lives are so busy. But they are a great cheap way to read/access the internet/hire CDs and DVDs. If you pay for internet access but don’t use it much, it may be cheaper to ditch it and use a library pc. Choice of books, etc may not be as good as when you buy but you can usually find something and why not try a new subject/area such as autobiography instead of novel?

Buy supermarket own brands. .

I've snipped out the bits that really resonated to me - I really like your ideas, definitely and the reward idea is a good one. I must go away and have a think about it.

Thank you!