Please tell me the secret. It is out of control. We don't, happily, have debt other than the mortgage. But savings goals are not met, and I feel like I am letting down our family, our security for the future, by being ridiculously frivolous. DH does not give one shiny shit about it, as long as we are not in debt. Everytime I mention it to him, he just say's we're alright, but I'm the one that looks after the money. I can imagine him on turning 65, looking at me like and saying, where did it all go? Too late then, too late.
So confession I've just worked out, embarrasingly, that I've spent (the majority on me and the DC) 620gbp/mth on average on CLOTHES for the last five years. Almost as much as we spent on food, 800/mth (includes alcohol, take outs, nappies). If I'd been able to reduce clothes spending by 50% we could have had 18k in savings.
So how do you do it?! How do you resist? How do you set a budget and actually stick to it?
I know that we are very fortunate btw, I'm not bemoaning our general financial position, I just need to stop with wasting it, otherwise what is the point of earning it? A friend summed me up well a little while ago, instead of an emotional eater, I'm an emotional spender. We are going through a lot of stress at the moment, downturn in work market, moving etc... and I feel a bit depressed, but this is no excuse.
Any tips gratefully received!
(I'm going to add up toy expenditure tomorrow, and will have to hang my head in shame even further)
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How do you physically, emotionally and realistically STOP spending??
79 replies
HerRoyalNotness · 12/06/2013 21:27
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