When I acquired my first ‘didn’t belong to a bank I was with’ credit card it was honestly with the best of intentions. I have spent most of my employment history on a zero hour contract basis. A zero hour contract is basically a contract where I would be employed by a company on an …
Continue reading “I started off with the best of intentions, honest! (Also NSD # 3)”
My name is Flo and I’m an over buyer. The world is made up of under buyers, over buyers and probably a huge amount of sane normal people who buy as and when they need something. Lucky gits. I am someone who buys multiples of everything. Does a shirt I like come in three different …
Continue reading “The pleasures and sorrows of over buying (and NSD #2)”
On January 1st 2015 I bought a five year diary. Here is what I wrote 2 years ago today: “Somehow I have become a financial hell hole again. I don’t know how I do it.” Hmm, somehow I still hadn’t grasped the concept of spend more than you earn = bad times. Or to put …
I am pleased to report that today was a ‘No Spend Day’ (NSD) meaning so far this year 1/3 of the days have not involved any money leaving my wallet. Yes the year is only three days old but I will take victories where I can. In December I think the weight of 2016 had …
Let me tell you the main thing about getting into debt. Getting into debt is super easy. Think about it, it’s managing your money that is hard. Making all those decisions, putting things back if you can’t afford them, saving up for things, that’s the hard stuff. But if you have had at some point …
It has been a while since I last posted, and I guess it’s time to come clean. Through a combination of bad/casual/infrequent employment over the years since graduating, and also a result of ‘being a twat’ with money, I have rocked up nearly 6K of credit card and overdraft debt. This is in addition to …
