#OOTD // More Finance Talk – my plan.

bluedressDress: ASOS
Belt: c/o OASAP
Tights: CANT REMEMBER SAD FACE
Shoes: ASOS
Necklace: Amazon

bluedress

 

I recently wrote a post about finance. About how I’ve always been TERRIBLE with money. I’ve always just bought what I want and I’ve never had the pain and stress of struggling for money.

Apart from my university years when my Mum would have to stick twenty quid in my bank so I could buy beans and Tesco value noodles.

A lot of people left some really great comments about their experience with money, so I thought I’d give you a bit of an update and let you know some of the things I’ve been working towards.

The main thing is my car. For the past 6 years or so, I’ve had a car on finance. Getting a brand new one every two years.

Man, it feels brilliant having a new car. It smells amazing, it’s all shiny, not a scratch on it! It’s fun watching the milage go up from single digits.

In November time, it would be time for me to get a new car. Again, being stuck in paying a monthly fee.

I’ve decided to put a stop to it, I’ve taken out a loan and settled my agreement with Ford. I’m now having the same amount come out of my bank account to go towards paying off my loan as I would have had coming out for the car payments.

car

This means that the car is now all mine and I feel much better because the way my online banking is set up, I can quickly pay more off each month. Which is the plan. To save money where possible and get it paid off as quickly as possible.

Some things I’m going to do are:

  • At the end of the month, transfer any extra cash over to pay my loan off.
  • Set up automatic direct debit to my savings account again.
  • DO NOT BUY NEW IPHONE. Just don’t. Help. This is hard. Instead, reduce the cost of my phone bill when my contract ends.
  • Use sites like VoucherBin.co.uk when I need things to get a discount. Sites that this can help get cheaper Holidays, Hotel Stays, Clothing, Homewear, Luggage and Healthy & Beauty Products.
  • DO NOT BUY NEW MACBOOK. Even though you can get it in gold. My heart aches.
  • Use up all my products before buying new. This includes mascara, foundation, shower gel etc.
  • Use up all my samples! Blog events = lots of samples. I could probably moisturise my whole body for 2 months with samples.
  • Stop impulse buying – if I want something, wait a day or two to decide if I really need it instead of logging onto Amazon straight away. Heart still aches.
  • DO NOT BUY APPLE WATCH. Do not need. No no no.

Right. That’s my plan. Operation: Pay off car.

To keep myself accountable, I’m thinking of keeping a track of what I’ve been able to save and how I’ve done it if anyone would be interested in that?

Money saving tips and posts may be in the near future. Please leave comments with your tips, your stories and your finance goals.

Woo!

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This is sponsored post. All ideas, stories and memories ( :p )are my own.

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53 Comments

  1. March 31, 2015 / 9:20 am

    I’m so bad with money. Like you, I’m a bit of an impulse buyer. My sister and boyfriend are EXCELLENT at saving, but I just seem to lack the willpower.

    Right now I’m hoping to move house in August though, so I’m focused on trying to save for a deposit for that. Though, typically, my camera broke this week so I might have to splash out for a new one of those! :/

    PS. Saving tips posts would be GREAT! xx

    Little Miss Katy | UK Lifestyle Blog
    Katy recently posted…Happy Monday | 10 Good ThingsMy Profile

    • Corinne
      April 1, 2015 / 9:05 pm

      I actually can save when it comes down to it, but then all of a sudden I want something big and end up saving it! I saved loads and then spent it all on a holiday to Florida and the spending money. Back to square one. Doom.

  2. March 31, 2015 / 10:08 am

    I’m exactly the same with money. I don’t exactly have a ton of disposable income right now but what I do have I just spend on tiny little things constantly to ‘treat myself’ instead of looking at the bigger picture and saving. If you have any tips for fighting these shopping urges (especially the new gold macbook, uugghhh) please let me know! x
    Hannah recently posted…Earl Grey, Orange and Chia Seed CakeMy Profile

    • Corinne
      April 1, 2015 / 9:12 pm

      It’s so beautiful this gold mac, isn’t it? I almost want my macbook to break so I have to get one haha!

  3. Jackie Harrison
    March 31, 2015 / 11:05 am

    You look stunning the dress is lovely.

  4. March 31, 2015 / 11:20 am

    You buy way too much Apple, right? But your mission car is SO fab and I hope you can own your car in no time. Good luck with that.

    • Corinne
      April 1, 2015 / 9:17 pm

      Is there such thing as too much Apple?

  5. March 31, 2015 / 12:10 pm

    I used to be awful saving money but now I have nailed it. I just weigh up if I really need something and then work out what I could do with that money if I didn’t spend it. I have had some great holidays through saving. Resist the urge Lucy x
    Lucy recently posted…CahootsMy Profile

    • Corinne
      April 1, 2015 / 9:18 pm

      Jealous that you’ve found something that works for you! Lucky!

  6. March 31, 2015 / 12:13 pm

    I’m not able to save money. When we had a little extra, we bought our first flat and spend a lot on renovating it. Then we moved to UK… and when we had a little extra… we bought our home and spend a lot (more than we should) on renovating it. I think there is a pattern :))
    Anca recently posted…Why I blog?My Profile

    • Corinne
      April 1, 2015 / 9:19 pm

      Haha! I guess money is there to spend and I think spending on your house is an investment, not a waste!

  7. March 31, 2015 / 1:49 pm

    That is a cute dress! I love it with the statement belt 🙂

    I hope you get lots of helpful advice and support around your finance goals with your blog! I’ve been finding documenting my wardrobe acquisitions and leavers has been a great tool for me to reach my goals and be more accountable, I hope it helps you with meeting your goals by blogging about it! 🙂
    Mica recently posted…March Update and What I Learnt From a Wardrobe DetoxMy Profile

    • Corinne
      April 1, 2015 / 9:25 pm

      Yeah I’ve noticed you’ve been doing that. I’ve really enjoyed reading those types of post! I think I forget what I own sometimes so just buy more. I should work on replacing only rather than gaining more thing!

  8. Rebecca Marie
    March 31, 2015 / 2:18 pm

    I am TERRIBLE with money 🙁 I can’t save to save my life! Becky | Rebecca Marie xxx

    • Corinne
      April 1, 2015 / 9:26 pm

      Haha. I always fall into the hype. I’m not feeling very confident about the next one coming out. Must. Have. It.

  9. March 31, 2015 / 3:45 pm

    I have to stop impulse buying too, I can come out of a store with 10 lipsticks, do I need any of it? No. Need to put myself on a makeup ban again. :-/

    Shireen | Reflection of Sanity

    • Corinne
      April 1, 2015 / 9:28 pm

      Haha. ‘It’s for the blawg’ is a great excuse 😀

    • Corinne
      April 1, 2015 / 9:28 pm

      Glad to hear that, I’ll try to write something soon 🙂

  10. March 31, 2015 / 5:37 pm

    Saving is so hard, especially when it comes to Apple products… damn their marketing team.. they are just so good! Your car looks really nice, it will be great to have it paid off!

    Ash | Liakada Travel
    Liakada Travel recently posted…Press for ChampagneMy Profile

  11. March 31, 2015 / 5:48 pm

    Taking control of your finances and spending can be tough initially but also really empowering and rewarding when you meet your goals. Eliminating all unnecessary spending is definitely the right way to go.
    Rowena @ rolala loves recently posted…Spring Beauty GiveawayMy Profile

    • Corinne
      April 1, 2015 / 9:29 pm

      It can be empowering! I just want to lower my monthly outgoings so I don’t feel so weighed down!

  12. March 31, 2015 / 6:00 pm

    Good luck!!! I’ve been trying to save money but I have a huge shopping problem 🙁 I’m trying to deal with it.
    kimberly recently posted…NYX Butter LipstickMy Profile

  13. March 31, 2015 / 7:16 pm

    that is such a lovely dress! and i’ve been meaning to get better with money as well and start making a budget for myself and everything. haven’t gotten started yet, though.. i don’t even feel like i am that bad with money, i just don’t have too much of it HA. and then i go and splurge on something stupid occasionally or lend money to others really carelessly. hoe you can stick to your plan, it sounds doable! xx
    Laura recently posted…project 365: 082-088My Profile

  14. March 31, 2015 / 7:16 pm

    You like your technology don’t you Corinne! I’m the opposite, my phone is three years old and my laptop 3 1/2 with no battery life and a broken keyboard. I’m just really lazy and indecisive when it comes to buy new products.
    If you don’t mind me asking, how much did your car cost per month on finance? I will need to buy my first car for September but i’ll probably just buy a cheap one. x
    Amy recently posted…This Week of Mine #5My Profile

    • Corinne
      April 1, 2015 / 9:31 pm

      It was about £180 a month. I did have a tiny, basic Ford KA a few years ago and that was only £99 a month. But I wanted to upgrade to something a bit bigger and with more features like air con and electric doors/windows.

  15. March 31, 2015 / 8:39 pm

    As soon as my wages go in each month I HAVE to sit down with pen and paper and work everything out. Direct Debits, rent etc, I deduct all of this first, leave myself with X amount as ‘purse’ money then split whats left between my savings acc (that usually pays the monthly credit card bill) and my ISA. This works. Some months are tighter than others, say if I haven’t done much overtime or I’ve got some events coming up, but it really helps me keep on top of everything. I manage our joint account too and take care of everything finance related so it’s a good habit to get into!

    Using up everything I own before buying new has probably been the BEST idea I’ve ever had. I’ve been doing SO well since January though I couldn’t tell you how much Ive saved as I think I’ve just spent the money elsewhere on nights out, cheeky taxi rides home etc…oops.

    Sarah 🙂
    Saloca in Wonderland
    Sarah recently posted…March Favourites 2015My Profile

    • Corinne
      April 1, 2015 / 9:33 pm

      Sounds like you do a great job! I never look at my money in such detail I just let stuff go out of my bank and hardly check it until I need to pay rent!

  16. March 31, 2015 / 10:31 pm

    I’m usually really good with money but lately I’ve been finding it so hard not to splurge! But I always try to use up products before buying new ones and if I’m buying stuff online I only will if I have a discount code or voucher AND free delivery! And I refill bottles of water rather than buying new ones all the time. Just little things but they do help!

    Good luck with your saving! x

    Josie’s Journal
    Josie recently posted…FASHION | Pieces That Work For Any Job InterviewMy Profile

    • Corinne
      April 1, 2015 / 9:35 pm

      I never buy bottled water, it’s such a waste of money!

  17. March 31, 2015 / 11:35 pm

    Love that dress! Also, I think it’s great that you’re getting your finances in order. That’s something I’m working on, too 🙂
    Akaleistar recently posted…Inspired by Into the WoodsMy Profile

  18. April 1, 2015 / 12:19 am

    Wow, such a pretty look. ^^
    New outfit is online…

  19. April 1, 2015 / 11:16 pm

    I like your car! Well, you’re very lucky to have never gone through a financial crisis, now my finances are not quite right, though not because of me but because in my country there is an economic crisis indirectly affected me, now I have a very cut budget the only good thing I’m taking from this is that I’m learning to manage and make magic with money lol I hope everything works out as planned you, I love your dress, Corinne good day!
    Rebeca recently posted…Viajes cortos / Short tripsMy Profile

    • Corinne
      April 1, 2015 / 11:18 pm

      Ah, she sounds horrible. I am lucky to not have been touched by it but at least you’re taking something away from your situation.

  20. April 2, 2015 / 11:24 pm

    I would definitely love to read some updates and some savings tips. I’ve been saving properly to buy a house since just before Christmas and it’s going well so far but I’d love to be able to push myself to the max. I think a spending splurge is required sometimes though just to keep me sane!
    Victoria xx
    Victoria recently posted…A summer accessory you may forget aboutMy Profile

    • Corinne
      April 4, 2015 / 5:27 pm

      Thanks, I’m gonna try write one for next week!

  21. April 5, 2015 / 11:42 pm

    I love math and so paying bills and saving is one of my favorite things to do.

    Right now, I just make sure I put some money into all my savings. I have more than 5 savings right now 😉 as for paying bills, I make sure I always pay more than the minimum and it usually is the same every month so I know what I need.

    My struggle is with my credit card. I need to use my debit card more and my credit card less.

    Overall, i just need to make more money…
    Arianne recently posted…Beauty: March Favorites 2015My Profile

    • Corinne
      April 7, 2015 / 9:35 pm

      It can be a struggle, can’t it? I rarely use my credit card i unless I can’t pay on a debit!

  22. April 8, 2015 / 4:34 am

    It wont work for you in the UK but in New Zealand I found moving to a beautiful town with CRAP shopping had helped me immensely with my saving. I’m not just being sarcastic either. Now if I really want something I have to stalk it online – and I’ve had SEVERAL bad experiences with THAT now.
    Maybe if you made a mood board of what’s at stake if you indulge in Apple and don’t SAVE… plus telling us all you’re saving is a neat trick – we will keep you accountable
    Paula recently posted…Shoesday = Tuesday + SHOES – The Bargain Files – Charlotte Olympia MasqueradeMy Profile

    • Corinne
      April 8, 2015 / 10:29 am

      Haha, I only ever shop online!

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