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