Wednesday, 15 October 2008
I'm halfway through October and not a single spend to date - this is AMAZING.
Wednesday, 1 October 2008
Once again I'm sticking to the no credit card spending one.
I'm going to be harsh this month as I overspent on my last months goals and go for no clothes purchases of any sort unless I get a windfall (i.e. win the lottery haha!)
I'm going to up my exercise and fit in a walk a day. I find walking stops you from looking on the internet or reading magazines plus it makes me tired without having to have a glass of wine to get some shut eye. All positive things really.
Friday, 26 September 2008
I'm really happy with the dress but not that happy I couldn't stick to the goals I set for the month. I've sorted out some clothes and put them on ebay. I've decided on a one in and one out policy, plus a sort out of clothes into using for gym, dusters and off to recycling.
It seems less is more. I can see things better.
The stupid thing is my saving on grocery bills has been used up by a clothes purchase when it should have gone against reducing my debt. Sometimes I can be a real idiot.
Monday, 15 September 2008
My biggest temptation are these and at £190 with my snagging record I'm stepping away from the lure.
What's not to like - help!
Tuesday, 9 September 2008
So far no spend on my allocation of £20 for the month. Normally I'd have blown it and be over. I've also not used the credit card which is a first as my total despite paying off a chunk had stayed the same through usage.
If only I could say something insightful but I reckon it all comes down to will power and choosing between debt and being in the black. I think also you have to lose the consumerism. I've tried all those changing energy providers and checking phone deals and you know what they are just playing with figures. Truly, you need to choose to live within your means and suffer short term hardship for long term gain.
Gulp, we'll see if I'm so chipper about it later in the week!
Thursday, 4 September 2008
My estimated interest for next month is £39.83, this is so hideous and is a big warning on the follies of credit. I haven't changed to an interest free because I'm worried I would spend on the card. This way I learn the hard way and it stays learnt.
I'm fighting the shopping urges even the its only £5.00 ones!
Tuesday, 2 September 2008
1. Do not use credit card
2. Do spend more than £20 - allocated clothes budget for month.
Both those are enough for me at the moment as to achieve them both would be a massive step in the right direction. I like that you can break it down into bite size options.
Monday, 1 September 2008
Sunday, 31 August 2008
We enjoyed the late summer evening.
Didn't think about clothes ro fashion once!
Saturday, 30 August 2008
I'm going to attempt to thrift instead - I'm sceptical about this as I find charity shops quite smelly. I seem to go into ones that smell of wee or the person near me does! Terrible thing to say I know but I've been spoon fed on high street shops, mind you I suppose Primark gets very grubby.
Even as I write my mind is mentally purchasing items.
Will this longing ever end?
Wednesday, 27 August 2008
The lovely SharonRose has a great, in fact two great blogs and it was her new blog $haronRose - $pending, $aving, Me that inspired me to rethink and make the effort to do something about my debt again.
Originally I was inspired by Make Do & Mend a book by Kate Battrick and of the blog Make Do & Mend she really got me in the budget mindset and I started the year quite well but then felt I was being a self indulgent t**t and stopped obsessing about my attempt not to spend. So things have gone slightly down hill but I feel it is even more important to get back on track.
I've managed to reduce my credit card debt to £2756 and my overdraft is at £600 but I need to make more effort to be debt free. I'm so easily beguiled by new clothes and the excitement of a new look I find it hard to resist a purchase. So here's hoping blogging will give me the extra stress to fess up to bad thoughts or deeds
Tuesday, 26 August 2008
It has inspired me to keep a blog diary again to help me kick the spending habit.
I'm going to work out my approach but will start posting again soon!
Thursday, 28 February 2008
Old Janet has got a point, however I realise there is a great community of people all around the world who share info and spur you on. I enjoyed undertaking the blog venture and it has really helped me to sort out my priorities and finances. I can't recommend Make Do & Mend - how to buy a designer handbag etc enough. It is a great little number.
One final world- Janet Street Porter you are such a f*****g opinionated git but fair play a bit too accurate too.
love to all out there x
Friday, 8 February 2008
However, I am hard pressed to explain what is essentially a love of clothes. I am as passionate about clothes - a wide and varied selection in the same way someone loves a football team.
I don't support just one shop or one designer - more an overwhelming desire to visually display styles and looks.
I realise this is pointless if you don't have the funds or don't work within a budget. I am giving up purchasing designer items and sticking to the high street. I did look at Primark & Peacocks given the prices but my heart is ready to go to the conference league yet.....
On a plus note I've redistributed my funds to stem the interest charges on my credit card. This is sure going to help with reducing the debt and also as I cut it up I'm not spending on credit. Things are looking up however hard the struggle!!!
Will I see the sunshine again on my finances...is there an end to making my sandwiches for work?
Thursday, 7 February 2008
Wednesday, 6 February 2008
I had voices in my head - buy me buy me.......
But I was good and walked away. I didn't moan when I got back to work after lunch instead I struck up a conversation about Ross Kemp!
How will I avoid the temptation?
Tuesday, 5 February 2008
Monday, 4 February 2008
It will mean my credit card debt goes down quicker and I won't be able to go very mad with an overdraft so it wull only be once I can do this...
Sunday, 3 February 2008
The £12 canvas bag from Peacocks is mine!
Will I beat you to the tills at Asda??
Saturday, 2 February 2008
Two glasses of wine were all I had......
Luckily today's High Street fashion page number in the Guardian's weekend magazine is the pits - it actually put me off clothes. Mind you the measure is funny with their Coleen v Kate mention not to mention Kelly & Kate.
Also the Fashion bloogy awards are upon us and if you want to vote here is the link, http://mahalofashion.blogspot.com/
Do smiley faces last?
Friday, 1 February 2008
Tonight I have a hot date and am mentally thinking what look to achieve and how to put it together. Also I've mentioned lack of funds as I don't want to stretch myself or be a money grabber even if he is paying. I've suggested an easy bar for an earlyish drink and set myself a time limit. I'm filled with resolve and strictness that is very pleasing to the wallet if not to the eye.
At least I can slink out early on a Friday from my desk....
Will I stick to my guns?
Plus does any blogger out there know why my spell check isn't working? Help please.....
Thursday, 31 January 2008
All I can say is...I have learnt a very hard lesson the very very hard way. New year, new beginnings, all on the right track.
What will the next month bring - any joy? Any cash windfalls? Any light fashion relief?
Wednesday, 30 January 2008
Tuesday, 29 January 2008
I actually couldn't be bothered to buy Grazia this week which is amazing.
I'm also starting to see a veneer of cheapness regarding clothes. My fave shop French Connection is off limits and I'm coping well. After a few weeks of feeling dreadful I think I can cope with the limits I'm under. I am worried about the coming season but my strategy is to adopt white and wear it lots!
Will me new found resolve last?
Monday, 28 January 2008
Next year it could all be mine. I so heart this skirt!
A gorg Oscar de la Renta number from net-a-porter
Full cotton twill skirt
Blue cotton twill skirt with a removable flared petticoat underneath.
A mere £1,900!
However if I had no debt and had saved all year this could be mine...............
Do I have the will power to stay on the straight and narrow? Would I save or splurge?
Sunday, 27 January 2008
It was Brokeback Mountain and a poignant time was had by all - although quite childishly, some of us had to look away or resort to giggles at the sex scenes. My flatmates boyfriend particularly struggled with it all, though he did think the film was an epic - like us all.
So the antidote to it all was a Sky Plus offering of Ross Kemp in Afghanistan. I don't think we were meant to laugh at it. It was really interesting to learn about the soldiers but Ross Kemp with his Taliban scarf had us in fits. See, being a debt ridden girl isn't all dullness.
Will my friends be as supportive in February?
Saturday, 26 January 2008
I'm hardly providing advice a la Style Bubble or Mrs Fashion (to mention but two as they are British). There are also a few other fashion addict type musings going on too. I am the only one concerned with not spending another penny on a single item of clothing until my debt is gone and I have a clothing budget I stick to.
I have to confess this is the hardest thing I've ever done, because I truly love clothes and define myself with my outfits. Come on, I hear a few people say - are you that shallow. Durr, yes! OK I recycle (a lot), keep healthy, don't smoke and at the moment due to funds don't drink or even go out much. I read novels, the papers and am generally well informed. I like music and films but clothes are my passion. I can date any item within a year or two - spot a designer label a mile off in TK Maxx - no mean feat.
Ultimately I do this to help me beat my addiction which harms literally no one but myself.
Friday, 25 January 2008
I actually felt quite sane after flicking through a book called 'In the red' - a bit of a Make Do & Mend rip off if you ask me. The author keeps a diary about her recovery as a shopaholic. All very dull in reality and to self absorbed to entertain me!
One thing I do agree with Alexis Hall, the author of book - you have to go cold turkey. However unbearable it is - it is the only way.
Where I differ is obvious. My debt is mismanagement of all my fiances overall made worse by my love of fashion. I don't have to have the latest it bag nor do I buy something to emulate someone else. Nope, mine is a pure love of an item and a mind that produces wonderful images of how to wear it and what it will feel like. I spend selectively but until this year conveniently forgot about living within your means. And yes my debt includes, travel, nights out, off-licence visits and oh moments of madness in Space NK.
Honestly there is nothing like someone else's stupidity to cheer you up.
Will smugness come before a fall?
Thursday, 24 January 2008
Yes, yes I know it is only an hour but that hour used to fly by and now it seems an age. I do read a few blogs but I love the style ones which only adds to the torture. Although some inspiration is gained for mixing and matching of existing items.
I've done the book shop number already this week, a la Ms.Battrick and again very useful, it fills a spot. But today is Thursday! I've ate my home made sandwiches (don't!), I've had a look at Style.com, happily couture is way out of my league, and now I'm bored.
If I wander outside I don't trust myself not to take a peek.
Looks like I'll have to make friends with someone from audit!
Hows does a girl keep on the straight and narrow?
Wednesday, 23 January 2008
Tuesday, 22 January 2008
It is heading in the right direction. I feel saintly. I've spent nothing and paid some back.
Ha when all around me are falling (the footsie that is) I'm crawling back into credit.
Still praying for that lottery win though!
Do I dare celebrate? How does one celebrate with nothing?
Monday, 21 January 2008
Striped short sleeve top with placket detail and gold buttons 100% Cotton. Machine washable.
Sunday, 20 January 2008
I'm in the midst of planning how to look 2008 with 2007 s/s stuff. I'm heartened by the fact the trends are mainly similar/same as last year but for a fashion addict a few subtle shifts are enough to make you tear your hair out.
It is the knowing it's not quite bang on trend that fills me with despair. How I long to gain the nonchalant style of a Nigella/L'Wren/Deyn/Wintour - peeps who regardless of their age or the seasons must haves - have a look for them. OK Deyn is going to struggle in a couple of years time if she's to avoid the Boy George problem - the look that went on for way toooooo long!
I take comfort from the belief that old Kate Moss suffers like I do, but she at least has the benefit of choice/money and a stylist to hand. Me, I'm too poor, to unknown and am not being sort out by a single stylist. Fashion addiction is a downward spiral and I'm still in search of the up.
Will I acquire a stylish demise? How does one become stylish not fashionable a ls Ms.Chanel?
Saturday, 19 January 2008
Friday, 18 January 2008
Luckily no one is in the mood for nights out after our Christmas excess - too many clubbing nights and parties. Tonight I'll be out for about 2 hours. One hour travelling and the other whilst my small glass of wine or half a beer lasts. Great!
Will I get through the month without a splurge? Is it worth it?
Thursday, 17 January 2008
This morning I woke up sporting my newly acquired Spice Girls t-shirt. I won it on the office away day sessions -ok! The slogan 'who do you think you are' appealed to me. However, I'm remembering my competitive approach to said comp to win said t-shirt. I think the pretty boy from Customer Relations took his drink elsewhere after my shameless singing on the karaoke. I think I did Kylie, Britney, Madonna and the Spice Girls or was it Geri quite proud. Let's face it they are safe in their day jobs and I've got a free item after weeks of nothing.
I'm going to brazen the obvious remarks out all day. I perfected my facial expressions in the shower this morning -faintly amused or sneer depending on delivery.
A girl has to get what she wants by fair means or foul - doesn't she?
Wednesday, 16 January 2008
All I know is that for two nights I have binge drunk on the company. Is there a subliminal message when sent on away days. Will bore you to death first then give you the opportunity to drink yourself to death. Hurray now you've gone we don't have to a) go through the effort to sack you or b)pay you off with too much money.
Does all of this mean I've forgotten about clothes? Have I become so utterly numb that I lose the will to look or shop?
Sunday, 13 January 2008
Least I'll have no access to net or stores or the coming Grazia.
Saturday, 12 January 2008
It might just be me but the thought of someone saying nothing usually gives them the upper hand. I begin to wonder what they are thinking. This only applies to my fellow fashion savvy mates. In all other areas of my life I lack a competitive edge but give me an occasion and I put a general to shame with my tactics and battle planning. I love my friends but I have to be top dog in the fashion stakes. Dreadful but true. I wish I could be at ease and care free. Have you any idea how hard it is to not compare yourself? I know it is a most pointless and useless thing to be hooked into and I need to transfer this ability to bloody spreadsheets or something practical otherwise I'll find myself with a child mainly to dress up and play dolls with.
Back to the dungarees. The best thing about them is they represent great value for money. I could adopt tomboy chic and rework every t-shirt, shirt and top I've got with the dungarees. Or I can just make do with my wide legs jeans by taking 2 inches off the hem and wear as above but inject occasional riviera chic. After two evenings in with Kate Battrick's book, I've got £40 to spend on my spring/summer wardrobe. Yes the budget is done.
Dungarees or altering my wide leg jeans?
Friday, 11 January 2008
All in all a good day.
Thursday, 10 January 2008
It's an easy read and I do feel quite motivated but I'm not exactly cock a hoop over an evening doing spreadsheets. I'd much rather compile must have wish lists!
On the plus side my credit card is going in the right direction - down - only £5,698.29 to go!
Wednesday, 9 January 2008
I walked past beguiling copies of Grazia, I peered in an inconsolable way at Vogue and I stopped myself flicking through Elle, Red, Eve, Easy Living even Glamour to name but a few.
Then I walked into New Look and picked up previously mentioned t-shirt top and went to counter and parted with £10. The only plus point is, it wasn't my credit card - oh yes the maxed out beast would have refused me anyway. No, it was with my food money. Maybe I'm reallocating my funds to be thin and still have new items. Mind you starvation isn't what I had in mind. No food and I am one angry momma.
I'd like to blame Mrs Fashion for her comprehensive compilation of the forthcoming trends of S/S 2008 season. Not only did the top say Marc Jacobs to me but also Riviera and conjure up all sorts of easy seaside glamour. I felt I was a Chanel tomboy. Oh Mrs Fashion your inspiration fed my imagination. but lets face it I'm a weak willed with no sense.
Can I redeem myself?
Tuesday, 8 January 2008
Can I resist the splurge of anything from £1.90 to £2.50 depending on what Grazia is charging from week to week? Will I feel bereft? How will I cope without my fix regardless of how disappointing it can be?
Monday, 7 January 2008
Anyway Mrs Fash did an e-interview with Kate Battrick and her book Make Do & Mend - how to buy a designer handbag whilst remaining friends with your bank manager and your conscience. I ordered it yesterday off Amazon and am also pleased Ms Battrick has started a blog.
I'm also trying to steer away from net-a-porter and read moneyexpert.com instead. To date no highs or sighs of delight from a quick read - more furrowed brows and in takes of breath by the dullness of it all.
Lets hope this book is worth it.
Am I in danger of never laughing again? Why would I care about Billie Piper's wedding dress when I can't even afford new pants?
Sunday, 6 January 2008
Thanks to the wonder that is Sally Brampton I'm beginning to think that I might come out the other side. I feel slightly liberated to think that the compulsion is so powerful I can't necessarily do it alone.
Only dampener on my need to seek help for my addiction is money. No slinking off Priory style or even a hum drum counsellor - no money to pay for it.
How will I make progress and deal with the guilt, shame and need that is fashion?
Saturday, 5 January 2008
Friday, 4 January 2008
On the way out sans purchase I did peek a look at the white top, I'm still tempted but .......
How good am I? Will I suddenly go om mad bender a la Pete Doherty?
Thursday, 3 January 2008
Sleep did not come easily to me last night - the black flats were fought off, the DP black dress was the lead role with the New Look stripy tee a good supporting act.
Oh god is there no escape? Will I succumb to a purchase that is money earmarked for credit card pay back? Am I destined to the high street not Bond Street or Knightsbridge for the rest of my life?