Posted by Rach on July 20, 2004, at 0:33:56
In reply to Re: Why is it the same old triggers.. » NikkiT2, posted by Noa on July 16, 2004, at 20:03:43
Hey Nik,
I used to have really BAD debt probs too. Now things are a lot more manageable. I don't know what your system is like over there, but here I've got 3 different bank accounts. I've set things up so on pay day (pay gets put directly into my account), some money automatically gets transferred elsewhere.
I have one account that I can only access through the internet. There is no card/cheque/phone access possible, and it has no fees. Pay day, an amount I'll never miss gets transferred into that account. At one point, it was as little as $9 a week being transferred. But you know what, after a few weeks, if I couldn't scrape together a dollar, I had $27 in that account for food or transport.
So one account is savings/emergency money, one account is bills & rent, and one account is other stuff (your books allowance would go in there). On pay day, I would draw out the amount of money for weekly expenses like food and transport, and pay cash for everything.
If there's something else I want (hair cut/books etc), it comes out of 'other stuff' account, and so when bills come around there is money in the bills account, or if I get desperate, in the emergency account.
This has worked for me (it goes off kilter every now and then - like right now, to be honest, because I'm suddenly earning less than half of what I used to earn), but it's a way to trick myself into not spending all my money and living pay day to pay day.
x
poster:Rach
thread:364979
URL: http://www.dr-bob.org/babble/2000/20040626/msgs/368074.html