I've been in debt for decades. I have credit cards and use them. I used to live off them but since I get paid more now than when I was in college it's not as bad. I still put too much on them though. I've got a student loan and we have 2 hire purchases we are paying on & 4 cards between 2 of us (3 credit, one store credit).
I have long term goals. Sometimes though when I'm down it seems like I won't ever be able to save and then blow my budget and go a bit crazy. Which takes me back to square one. I want to get better though. One of my long-term goals is a medical one. I don't foresee every really being able to save enough for that plus the down for a house. Both are equally important to me and both are pretty major expenses.
I do the bills for my wife and I, try to do the budget and try to save. I give us each a little spending money and lunch money and I think this has in general helped mostly. My biggest stumbling block is that sometimes I don't do the books when I should and then have to take money out of our small savings to cover what we did spend. I want to get better at it this year.
I've also made myself an "I'd Like" post so I can try to better plan what I spend instead of going crazy and getting stuff. I've got a bad memory and sometimes will buy stuff because I've been wanting it for a long time and keep forgetting what it was, so when I do remember I try to get it all. And I figure that might help me stay focused and plan better, I can save my fortnightly spending allowance for the "big-ticket" items.
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Date: 2009-12-27 07:34 pm (UTC)I have long term goals. Sometimes though when I'm down it seems like I won't ever be able to save and then blow my budget and go a bit crazy. Which takes me back to square one. I want to get better though. One of my long-term goals is a medical one. I don't foresee every really being able to save enough for that plus the down for a house. Both are equally important to me and both are pretty major expenses.
I do the bills for my wife and I, try to do the budget and try to save. I give us each a little spending money and lunch money and I think this has in general helped mostly. My biggest stumbling block is that sometimes I don't do the books when I should and then have to take money out of our small savings to cover what we did spend. I want to get better at it this year.
I've also made myself an "I'd Like" post so I can try to better plan what I spend instead of going crazy and getting stuff. I've got a bad memory and sometimes will buy stuff because I've been wanting it for a long time and keep forgetting what it was, so when I do remember I try to get it all. And I figure that might help me stay focused and plan better, I can save my fortnightly spending allowance for the "big-ticket" items.