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The dreaded credit card.. » Pandabear

Posted by Karen_kay on March 11, 2004, at 18:11:04

In reply to Re: Hypomania and spending a lot... » Racer, posted by Pandabear on March 11, 2004, at 17:26:56

Girl (is that right? If not, I'm SOOO sorry and replace that with "Boy"), I'm so bad with money that I've pretty much decided to marry rich. I have no other option unless I become filthy rich and higher an accountant to handle my finances and another to watch the first....

But, about the credit card.... I cut mine up. Can you do that? Or at least have your dad hold it unless you need it? You shouldn't need it, as a debit card works just like a credit card now anyway, EXCEPT you can't take any money out but what you have. And if you don't have money for something, you shouldn't be buying it in the first place, right (I'm talking myself into it, not talking to you,,, just reassuring myself...)... So, why not have your dad hold your credit card if you don't feel safe tearing it up. But, I felt safer tearing it up then I did with it around. Trust me on that, because I go through money faster than I go through men...

And if your dad helps you figure out your bills, why not ask him to help you figure out a (Oh, I know, this hurts) BUDGET? I personally don't have one, but my old man takes care of the bills. But, when my boyfriend didn't take care of the bills, I had to have a budget (which can allow for a small portion for spending on coffee, etc.) or I wouldn't be able to eat. It helps if you stick to it. Try to look at your previous few months of bills to get an idea of how much you spent in the past and set it that way.

And one more suggestion: (And I do the same thing you do, especially when hypomanic) Tie your money into a Christmas Club or something like that through a bank, where you get penalized for early withdrawal. (Trust me, a savings account didn't work for me)... That way, at the end of the year, you'll have money for presents (if you celebrate) and some left over for yourself, and you can buy yourself something nice. Or, you could always buy me something nice for suggesting it. I love diamonds, you know. It hurts to give your money to the bank at first, but it is helpful.

If all else fails: Why not give your extra money to your dad for safe keeping? That way, if you get in a bind, you can always get some back without being penalized at a bank, but he'll also be a stickller for letting you have it unless it's for bills or another necessity.

Hope these tips helped a bit. And, if they fail, why not try to find a rich husband, which is what I'm planning on doing....
kk


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poster:Karen_kay thread:323254
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