AK
Member
Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline
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as soon as you get paid shift money to other account(s).
Thats what I do.... you forget about it short term, but remember if you really need it.
I'm shite at saving - always have been, always will be 
Only time I get do any worth while monthly saving is when I'm saving for somthing (house deposit, new car etc)
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AK
Member
Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline
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Nights out are crackers.... 
Take £100 out... wake up with £40 in your wallet and think its been a very cheap night
Then a week later all the shitry slow cash machines you have to pay to use come off
DOH
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emicen
Member
Registered: 26th Jul 10
Location: Glasgow
User status: Offline
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quote:
Originally posted by AK
Nights out are crackers....
Take £100 out... wake up with £40 in your wallet and think its been a very cheap night
Then a week later all the shitry slow cash machines you have to pay to use come off
DOH
The two dirtiest words in the drunken vocabulary: cash back 
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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Cash back is fucking horrendous You forget that the reason you're using your card in the first place is because you've spanked your budget in notes already, and it just goes downhill from there 
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Gareth
Member
Registered: 2nd Mar 00
Location: Derby, Drives: EVO VIII MR & pug 308
User status: Offline
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quote:
Originally posted by Norcy91
quote:
Originally posted by Neo
quote:
Originally posted by Gareth
You should be loaded living at home wait till you've got a mortgage and bills to pay!
This, hate the people at work that moan they are skint when they are on the same amount/more but live at their parents 
I'm not loaded when i'm a first year apprentice! I wish i'd have started this when i was 16 really, not 20.
But yeah i get what you mean, i'd have no chance of being able to afford to pay a mortgage or bills with my current wage.
Yeah i just based that on the fact you said "good steady income" which could be 30k a year for all i know
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Norcy91
Member
Registered: 15th Sep 08
User status: Offline
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quote:
Originally posted by Gareth
quote:
Originally posted by Norcy91
quote:
Originally posted by Neo
quote:
Originally posted by Gareth
You should be loaded living at home wait till you've got a mortgage and bills to pay!
This, hate the people at work that moan they are skint when they are on the same amount/more but live at their parents
I'm not loaded when i'm a first year apprentice! I wish i'd have started this when i was 16 really, not 20.
But yeah i get what you mean, i'd have no chance of being able to afford to pay a mortgage or bills with my current wage.
Yeah i just based that on the fact you said "good steady income" which could be 30k a year for all i know
Yeah thats true! I wish i got something anywhere near that
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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I have major spending issues at the minute Everything I earn gets spent no matter how much overtime I do. Figured no mater what I buy, I'll want something again next month and it just keeps going on like this.
I'm spending £300 a month on weekends out in town - this has to stop as it's doing me no good at all. Two nights out and 5 days ill.
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Xs
Member
Registered: 12th Apr 02
Location: Lanarkshire
User status: Offline
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quote:
Originally posted by Andrew
I have major spending issues at the minute Everything I earn gets spent no matter how much overtime I do. Figured no mater what I buy, I'll want something again next month and it just keeps going on like this.
I'm spending £300 a month on weekends out in town - this has to stop as it's doing me no good at all. Two nights out and 5 days ill.
If I could only spend £300 a month on weekends I'd love it, sadly do that a weekend. They should turn off cash machines after midnight on friday and saturdays!
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by AK
Nights out are crackers....
Take £100 out... wake up with £40 in your wallet and think its been a very cheap night
Then a week later all the shitry slow cash machines you have to pay to use come off
DOH
I hate that, they are so slow that it can be 4/5 days later depending on what day you did the dirty deed. I never use those cash machines normally, as someone else said cash machines should be switched off after midnight
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Jon_C
Premium Member
Registered: 7th Dec 05
Location: Suffolk
User status: Offline
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quote:
Originally posted by Xs
quote:
Originally posted by Andrew
I have major spending issues at the minute Everything I earn gets spent no matter how much overtime I do. Figured no mater what I buy, I'll want something again next month and it just keeps going on like this.
I'm spending £300 a month on weekends out in town - this has to stop as it's doing me no good at all. Two nights out and 5 days ill.
If I could only spend £300 a month on weekends I'd love it, sadly do that a weekend. They should turn off cash machines after midnight on friday and saturdays!
If you spend 300 quid over the weekend while out on the beer you clearly earn way too much money or really need a new hobby
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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quote:
Originally posted by Jon_C
quote:
Originally posted by Xs
quote:
Originally posted by Andrew
I have major spending issues at the minute Everything I earn gets spent no matter how much overtime I do. Figured no mater what I buy, I'll want something again next month and it just keeps going on like this.
I'm spending £300 a month on weekends out in town - this has to stop as it's doing me no good at all. Two nights out and 5 days ill.
If I could only spend £300 a month on weekends I'd love it, sadly do that a weekend. They should turn off cash machines after midnight on friday and saturdays!
If you spend 300 quid over the weekend while out on the beer you clearly earn way too much money or really need a new hobby
Or a coke problem.
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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I'm a money saving bastard...
Instead of paying insurance monthly (usually 30% extra a year) get a savings account and put money in every week/month so when the year is up you will have enough to pay it at once.
If you have credit cards I got one that is only 7.9%APR yes 7.9%...but has no insurance so I took out insurance for £25 that covers that card and all my other card and everyone in the households cards 
Eat at home more 1 takeaway could feed you for 2 days maybe.
etc
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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Get wrecked before you go out to the pub!!!
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John
Member
Registered: 30th Jun 03
User status: Offline
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Money saving so you've got a credit card you need to pay interest on and also paying money for useless insurance 
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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How is it useless if my cards get nicked or I buy from a fraud...I get my money back.
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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quote:
Originally posted by John
Money saving so you've got a credit card you need to pay interest on and also paying money for useless insurance
Haha I thought the same
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by sand-eel
How is it useless if my cards get nicked or I buy from a fraud...I get my money back.
Like you do as standard you mean?
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