Aibu to think skint is skint and not il just delve into my overdraft...

[M0naLisa]

When I'm skint I am skint it means I am down to my last £5 like I am now until Tuesday. My sister is always saying she is skint her benefits have been stopped cosmic something or other (she finished work 4 week ish ago) and benefits have messed up so it's all stopped except her CTC.

It's our mums birthday beginning of September and tonight mum, stepdad and some mates are going for a meal to whether spoons and then bowling. Me and Dh were meant to be going but as bowling is £11 each plus the meal we can't afford it said we wouldn't go. My sister sai she couldn't go as she was skint so mum said that's ok.

I've just spoke to my sister and she asked me if I was going over there today so I said no I can't afford it. She then went on that she was off to get ready because she was going for the meal with mum and stepdad and their friends. So I mentioned that I thought she was skint and she said 'i am so what'
My mum does that same thing 'oh I'm skint but were off out tonight drinking

I said to my sister when I'm skint I'm skint it means I'm down to my last whatever not that I can delve into my overdraft. And sister said 'so it don't matter'
:/

Aibu to think when your skint your skint and you can't delve into an overdraft? We dot have an overdraft btw

It pisses me off that

If you dont actually have an overdraft then of course YANBU. Your title kind of implied that you have the option though.

My child benefit was due on Tuesday but it was in my account on Saturday. I presume because of the bank holiday. Have you checked it's not in already?

Then why are you arsed about it being moved? Surely they just handed you a convenient excuse to get out of going.

Then again I'm not surprised my sister has a brand new car on finance courtesy of my dad he bought it for her when she was working then when she was pregnant she said she needed a Bigger car - she didn't but get ex at the time wanted a faster one do she let him pick a sport model car

Cue 2 years on her ex is now an ex obviously and she's left paying for a car she can't afford a d not only that dads paid for her brake pads and disks doing plus her MOT on Thursday yet if I ask dad to lend me just £20 I get told he's skint!!!!

Sometimes I wonder what it's like to be a single mother living across the road from mummy and having 'no money'

No this isn't a one off it's all the time

I am arsed because if she'd have kept it at next week we could have gone but she changed it in favour of her mates.
Which is what happens a lot

I would consider myself skint if I had to make use of my overdraft for essentials.

Yes it's not in.

At the end of the month we go into the overdraft. Like we are in it now. Dp gets paid on tuesday. We are maybe £50 in it. But we try to keep out of it am always manage on our budget. But this month called for school shoes, uniform etc which sent us over. I guess YANBU to your opinion.

Yanbu-It sounds to me like your family-mum, sister put you under pressure to spend money that you don't have.

Your family are obviously shit with money, you have obviously previously been shit with money, you are now clearly taking a more sensible approach with money. Let it wash over you. You'll be in a better position when you end up with good credit due to good spending habits.

I personally don't begrudge people a bit of fun every now and then even if they are skint. Her overdraft is her business and YABU to judge her. If she's borrowing off you then that's differnt. Otherwise run your finances the way you see fit and let her do the same.

You could say that.
My sister will ring daily asking 'are you coming over I'm bored'

I tell her no because it costs me £10 in petrol just to get there. She never comes here. I get fed up of her moaning about having no money then in the next breathe she's going for meals to pubs with her mates and dn then she'll ring me asking if I'm coming over and il say no I'm skint. And she'll reply with yeah so am I

I would consider myself skint if I had to dip into my overdraft for essentials, that's not my money. I would be borrowing it at interest.

Yeah that's fine Kelly but give it a few days and shell be moaning she has no gas
Or only 11p on the electric as she's got no money to put on the meters

Different people have different understandings of what 'skint' is and it seems to be based on their own circumstances.

to people who have money, it is not having cash right there and then to buy that luxury item they fancy (and then saying bugger it and dipping into their savings)

For some it is the week before payday when they've only got a hundred quid left

For some it is reaching down the back of the sofa praying for a few coins because they have no bread in the house and a totally empty purse and nothing to sell and nobody to help them

My parents moan about how poor they are if they only have £100 left a week after all bills and everything necessary (eg food and fuel) have been paid.

I went through a period of feeding my family on £25 a week and I think they don't know what skint is.

But it's a feeling you have about your own situation.

I live in my overdraft! Haven't been out of it for years.

The annoyes me sometimes too. When i am skint then i am really skint, ie £1.08 in the bank, no overdraft, no savings, and having odd meal combinations from the freezer.

My friend recently said she was skint, but is going on 3 holidays this year and buys all of her fresh food from a farm shop. To me, that is not skint.

When i say im skint, i mean i can afford to pay the bills and not much else spare. When partner says hes skint he still goes on 100 pound food shops he means that once its done he has no disposable income left. I know what you mean though it means different to each person. My bro is always skint but is going on a luxury holiday, because he has little spends he says he is skint. Im short this week meaning 20 quid to last till next monday but only milk to buy skint to me is bills paid nothing else

I had an interest free overdraft for years when I was a student, so I did get into the habit of dipping into it (actually I used to just move the whole lot into a higher interest account so always had an overdrawn balance). I'm the type of person who'd go to the meal even when my bank balance is at zero - because I've had times in my life when I was very isolated and had no social contact, so I feel I have to grab it when it comes. I just wouldn't feel all virtuous about my clean balance when I'm sitting at home on my own.

Though I don't think I'm as bad as the OP's sister. I try to avoid the overdraft now as they charge immediately, whereas my credit card gives me an interest free period and I always manage to pay it off when the bill comes.

Skint does mean different things to different people - 'skint' to me means I don't have any/much money left in my budget for that month, but then I do have access to savings and credit cards so could access that if need be...

I might say "I'm skint" when asked to go on a night out or buy somehting because I haven't got money in my budget for it, that doesn't mean I don't have any money at all - just that I don't have spare money, just 'already allocated money' - I might 'reallocate' money for a birthday dinner, but that would mean I have to take it from another 'pot'.

I'm skint when I'm down to my last £20. Doesn't happen often nowadays as I had to iva all my debts (25k which i got left with when my exh and i split up) and don't have an od and can't get credit. Paying back the debt with a largish sum a month. I still shop as though I'm skint and buy second hand rather than new apart from the kids clothes which I buy from primark or supermarkets.
My dd3s pram, cot, Moses basket etc were all second hand.
But I am better with money now.