Little sayings and comments are jumping out at me, I'll try and explain what is bugging me. For instance, someone used the phrase, 'needed to get, had to get, two bags of ultra clumping cat litter'. It cost £8.19 from Sainsbugs. I don't understand why 'ultra clumping', is better that the ordinary clumping I get from Son of Morris for £1.50 a bag. Why did she have to get that particular brand, she had a choice, why did she go for the most expensive, I am confused.
Another member said she 'ended up in Tes&co again', and then declared 'she must stop doing that'. She spent £20 on, 'things they could do with'. How did she end up in there? Was she dragged in kicking and screaming? She didn't know about these things she could do with, untill she was in the store, they weren't on display by the front door saying come and get me. If you can't trust yourself to walk past 99% of the stuff in the shop and buy the 1% that you went in for, don't even step over the threshold. This woman should have her shoe laces tied together to stop her from walking into shops when she doesn't need anything.
Fancy sending a man to do the shopping without a list, madness. Most men haven't a clue. One woman ended up with a lot of cheap meatballs and fizzy pop and chocolate. Don't send him again love, untill you have given him a few lessons on what not to buy. Give him a list and the exact amount of money. If he can't be adult enough to make the right choices, treat him like a child.
Kids have been raiding the fridge, so what does one woman do, she pops off to the Co operative, and buys the little dears some more yogurts and bananas. Now fruit I believe in, you can give kids loads of fruit, it's good for them. But sweet comfort food that they can graze on at a whim, a big no. She shouldn't be a slave to her kids, I know, easier said than done and I haven't had any, but she should be leaving the fridge bare for a couple of days and giving them lessons on household expenses, and teaching them money doesn't grow on trees. Sorry, purse empty till Friday.
Oh dear, confession time, one member 'failed miserably in January, and doesn't really know what happened'. I dont think there is much hope there if her money is disappearing without her knowledge. Has she had her eyes closed for a whole month? If ever there was a case for writing down every penny spent, she would be the one to do it.
Spending money is not just about opening your purse and handing over your cash or swiping your card, it's the psychology behind it that's important. It's changing your mindset, weighing up all the options, using the choices you have to your advantage, not just blindly going with the flow.
I am sure some people think money has a mind of it's own the way they are dominated by it. If a shop is there they have to go in, if they have a few pounds dip in and spend. They have no idea how easily it slips through their hands, then look bewildered when there is a bit more month left before they get paid. They work long hours, get stressed, comfort buy, the bills and credit card statements come in, the pressure is on to earn more to keep up the lifestyle.
For goodness sake, there is only one answer........
STOP STOP STOP BLOODY SPENDING