Thursday 3 September 2009

Saving Suckiness

Saving for something sucks. Big time.

I'm doing really well with my car savings. But at the moment I'm in that crappy position of 'so close but yet so far'. I currently have £820.07 plus £92.52 to come from work expenses. I should've had the cheque by now but still haven't... very frustrating but hopefully I'll get it tomorrow. Fingers crossed anyway. That'll mean I have £910ish. Woo! I've been looking at a lot of KAs for sale locally and on ebay and am definitely set on getting one. Theoretically I could get one with the money I have. I've seen quite a few. But if I can hold out a bit longer and get to £1500 then I'd be able to be a bit pickier and get something that isn't ancient with tonnes of miles on it. It's just a question of patience and putting up with being skint and unable to really go anywhere except work at the moment.

Today some more things have gone into the paper, so fingers crossed they sell. I haven't heard anything yet. But there's still time. Still hoping for that lottery win too.. fat chance of that though lol. Have also been doing some things to cut down my monthly expenditure. Have switched my gas and electric, saving approx £6 a month, and gone through quidco for £62 cashback. Have also written to Orange complaining, as they agreed to drop my tariff back in April when I renewed and it STILL hasn't been swapped, so I've complained asking for them to correct it and reduce the tariff to £15 from £30 plus give me a refund of the extra charges since april.. so that'll be a nice little amount if I win. Fingers crossed! I just need to look into my phone/broadband now and see if I can find anyone cheaper. Have also cut my spending budget in half for the time being. I'm rarely going out. If I buy anything it's for the girls or housekeeping stuff. I'm just not spending any money on myself at the moment as I can't justify it as the need for a car is greater. So at the moment I'm just going without and the money saved is going towards a car basically.

Obviously not having as much of a life at the moment... haven't been out for lunches/dates with my boyfriend in ages, although he has also been ill. But I suppose one of the big factors is that as much as I want to, it just comes down to me feel guilty at not being able to contribute to the cost. I'm very stubborn and want to support myself, so sometimes I'm very begrudging in letting others pay for things. I'm sure Ian will back me up on that. I have a real problem with wanting to be sefl sufficient and if I can't be or can't pay my share of something it really knocks my self esteem. But at the mo I've got no choice which I suppose is one of the reasons I've not been suggesting going out etc to Ian and Cel or other friends. If I've gone out with friends I've barely spent anything unless it was necessary. The last money I spent going out was £1.05 for a whole weekend and that was for a donation to the hospice in which my mum was cared for when she was dying. Although not an essential expense, one i felt was justified. But even then I felt guilty when friends were buying me water or something. It's quite sad really. Hell, I've even stopped buying breakfast on the way to work simply to save the £3.38. I think the last time I spent proper money was on a cinema trip with my best friend Cel. Even then I felt bad for spending the money but it was very much worth it for a bit of an escape from frugalness. Plus it was a great movie.. lol

It does get to a point where I think it's quite sad. That I've been resorted to basically giving up having money, simply to be able to get something I need. It does get me down a little bit I'll be honest. Having to scrimp and save so much in the vain hope that it'll allow me to get out of this rut and get back into a normal life and off benefits. It's very demoralising. But for the moment I'm doing well with my saving and putting aside literally every spare penny. Hopefully it'll be worth it in the end and I'll be able to get back on track and start living again without having to think whether it'll cost me money I can't afford...

Oh well. Let's just hope it all pays off.

I often wonder though, when I do have the money and am able to get a car... will I find it hard to actually hand over the savings which I've scrimped and saved and sacrificed everything to be able to attain?

Guess only time will tell on that one.

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