tarta skirt
lifestyle,  OOTD

#OOTD tartan skirt // Let’s talk finance

tarta skirt

Skirt: c/o OASAP
Jacket: c/o The City Rack
Tights: Primark
Boots: Internacionale
Necklace: Amazon

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I love tartan! I’ve had my eye on this tartan skirt from ASOS for a while and I’m glad I finally got it. Tartan all day, every day, I say.

Sooooooo. Finance.

I’ve a confession. I’m shit with money.

I guess the good thing about being a childless adult is that you can indulge in what you want. I earn a decent amount of money so I’ve always just bought what I want, when I want it. I’m a brat, yes. But I have no love in the form of a husband or children, so I buy things instead. Ya know, to fill that void.

You win some, you lose some.

I’m one of those people that have it in me to get into 50k of debt with credit card bills. When I was 18, I bought my first laptop on one of those buy now pay later schemes. It worked out for the best in the end for me, as it meant I had a laptop for when I went to university the year after, Mum wasn’t best pleased.

When that laptop got so hot that it melted on the inside and sparked when I put the charger in, I had to retire it. I took out my first credit card for the sole purpose of buying a new one. After a few days of using that laptop, the battery stopped charging so I ended up taking it back. My credit card limit was small, so I couldn’t buy a new one. So I had to cope with my old Big Burtha which I had got for Christmas when I was 14. My dad was into computers so managed to he put more memory in it and upgraded it.

During my first year at uni, I worked Saturdays on a checkout at Tesco. I do look back and wonder why, now. My wage for 7.5 hours a week only just covered my car insurance and laptop payments! But I’ve always been materialistic and I don’t think I could have taken my car off the road (even though I only used it to drive to my Saturday job!) or gone without my laptop!

I had a brief spurt with buy now pay later catalogues when I decided I urgently needed some new clothes for uni! Luckily. I was a bit smarter by then and paid it off right away!

It’s 9 years later and I’m still a bit daft when it comes to money. I’m impulsive and reckless. I have a brand new car on finance and I’m starting to get the urge to save more. I managed to put a lot of money away, but then spent most on my holiday to Florida and then built it up again. While I was building my savings up my credit card was getting higher and higher so with a bid to put a stop to dept, I used it all to pay my credit card off.

Next thing on my list is to pay my car off. I have the option to get a brand new car at the end of the year, or I can take our a loan to pay it off fully, which I think is what I want to do and work before paying that off.

Once this is done, I can be truly debt free. Apart from student loans. But who on earth counts students loans?

I think credit cards and buy now pay later schemes do have their benefits, but it can be all to easy to slip into the habit of putting things on credit and paying them off bit by bit. By doing this, you’ve already spent your wage before you’ve got it!

How are you with money? I’d love to hear any tips you have on saving!

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

1. noun: a female blogger that writes about her own experiences, observations and opinions. 2. verb: to act like a complete idiot or to do something stupid. e.g: She did a Corinne.

30 Comments

  • Corinne Davies

    I’m young (15) so I don’t have as much responsibility and don’t have a credit card, so money problems aren’t much of a worry for me. However I do have some tips for saving money,whenever I have any money in my purse that I’m not spending, no matter how much, I put it in a jar, this way I’m less likely to be tempted to buy things and after a while you can reward yourself with all the money you’ve saved x

    http://corinnexdavies.blogspot.co.uk

  • Rachel

    Go Corienne, way to go and on your way out of debt. My hubby paid off $11,000 of debt in 6 months before we married. I helped him out financially while he put almost all his pay checks towards paying it off, or he used some tax returns money towards paying it off. I have only known the luxury of a credit card once and that was for gas but I paid it off immediately with the next paycheck. I guess I don’t know what it is to be in credit card debt personally but I know it is a pain for others. I believe in cash or saving for what I want. Great post! Glad you are tackling these now rather than later.

  • Lucy

    Lovely skirt so cherry. Managing money is something they really should teach at school rather than nonsense that you will never use. Without these skills life can be tough Lucy x

  • Shireen L. Platt

    I have been careless with money for the first few years in my very early 20s but after that I buckled up. I forced myself to purchase my condo at the age of 27 and discipline myself to always pay mortgage first and then live off whatever that’s left. I was frugal but I was proud to have a roof above my head with my own money. It was not easy especially all my friends were shopping like mad but in the end of the day, I was very proud to own something that most if not all of my friends didn’t have. 🙂

    Shireen | Reflection of Sanity

  • Jessica

    When I was at uni, I worked out my money for the term, took out all my expenses for bills etc and then had a weekly budget for my food and going out. I recorded how much I had spent weekly and generally stayed on track.

    However, now I’ve moved back home I’m really lazy and have stopped budgeting. Probably not a good idea!
    xx

  • DainteShop

    oh I just love this outfit ! You look super adorable in it 🙂

    i have finacial problems too… When I see something in the store I just have to buy it and I don’t even think whether I have that amount of money or not. So I guess I’m shit with money too xD

  • Sarah

    Set an amount and commit to putting that exact amount away every month on pay day. Set it up as a standing order so the money goes out of your main account into your savings account on the same day, that way you don’t get a chance to spend it and I swear, you quickly get used to that money NOT being there and your savings build up nicely without you even having to try!

    When it comes to credit cards, I’ve only ever had one, and I’ve made a point of paying it off in full every time a bill comes in. If you can get to a point with your CCs where this is doable I really do recommend it, when it comes to finances I want the most stress free way of dealing with my money!

    Student debt is friggin pointless, they take around £10 a month from my wages to pay it off which doesn’t even cover the interest and NOBODY takes student loan debt into consideration when offering you CCs or a mortgage or a loan. I don’t even factor mine into my finances!

    Sarah 🙂
    Saloca in Wonderland

  • Mrs C

    Oooo, I like this ‘Lolita-ish’ outfit and that Tartan skirt can be quite sexy actually. I would probably be filed for bankruptcy had it not be for my husband. I’m hopeless with money, prefer to spend than safe. Now I am better. I have list of things I want (never a need haha) and I limit myself to X amount per month. So far so good!

  • Rose Journey

    I’m pretty good with my money thanks to my father teaching me how to budget. Last night I signed with mint . com in the hope of getting better with my money and to help me stop worrying about money so much. It is so weird that I know I’m good a budgeting yet I always worry about messing up and coming up short because of an emergency.

  • Paula

    Cute tartan skirt – wish I had the legs to pull one off 😉
    I think buy now pay later is good so long as they’re interest free and no fees, otherwise you end up paying way more for something that is obsolete as soon as you leave the shop. As for buying a new car, as long as yours get you from A to B I would pay it off, cars are one of the worst purchases you can make as they devalue a few thousand as soon as you leave the lot.
    Having said ALL that, I cant talk as I have about 75 pairs of shoes and that many again necklaces… not exactly investing wisely :’D

    ♥ Paula Shoe Fiend.
    http://shoe-fiend.blogspot.co.nz/

  • Mystery

    I can totally relate to you – haha I did smile when I read you’re SHIT with money. So blunt 🙂
    I ALSO bought my MAC on an account thing and I actually ended up paying A LOT more over a period of two years than I would have if I’d just paid it upfront….. sometimes we don’t think that far ahead do we????
    Sounds like your laptop suffered a pretty tragic and bizarre death!!!! HOW did it get that hot!?

    http://mystery-girl007.blogspot.com

  • Katie

    Oh I really have it in me to end up in debt, it’s why I’m terrified to get a credit card even though people keep talking about credit ratings and how I might need one when I want to get a house. I do have a decent amount of savings (I admit to being super spoilt in that my mum helped me pay off my student loan for my 21st & 22nd and possibly half my 23rd Birthday present. With the understanding she isn’t going to help me when it comes to buying my own house), but my bursary disappears pretty fast. I’m getting better at budgeting, but I still don’t quite have it down. Practice makes perfect eh? Good luck getting out of debt.

  • Kerri

    We’re quite good with money, between Kris and I we earn a good monthly income and to be honest, we don’t really have to worry. Even when just I was working, we still did alright and although we’d be skint by the end of the month, we still had most of the things we wanted.

    Generally, Kris deals with the bank and the money, I just ask to buy things haha. Or I just buy stuff and paypay email him with the bill! Savings-wise we’re also pretty saving, but that’s down to earning enough to easily put it by.

    Luckily we don’t have credit cards in Belgium like in the UK, we have to pay the balance off in full every month, so it’s not even a credit card despite the bank telling me it is. sigh.

  • Amber

    Being a student with no job i have to be careful what I spend money on. I get a loan, but not a huge one cos of how much my parents make. But I hate taking money from them so keep that to a minimum. I’m desperately looking for a job. I don’t buy things for myself often, and when I do I spend little, I only shop in charity shops now or markets. I’m trying to save up for the future though . I need to be able to pay rent when student loans aren’t coming in! xo

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