does anyone else do this?

iVillage Member
Registered: 12-10-2009
does anyone else do this?
7
Tue, 01-03-2012 - 2:50pm
Hi dsg friends, I just realized in the past couple of weeks that I will self sabotage my budget/saving plans all of the time but I won't touch my daughter's accounts. I realize that I also do this in other areas of my life so I am going to really work on this. Has anyone else dealt with this and had sucess overcoming it?

Liz

student loan paid off 2010

Bathroom remodel loan paid off 2013

Pending Car loan to be paid by the end of 2014!!!!!

 

iVillage Member
Registered: 11-14-2008
Tue, 01-03-2012 - 3:19pm

Yes all the time. I was thinking of changing some of the functionallity of my accounts this year. I'm still thinking. This is where part of the problem lies I think.

Dh and I have separate and accounts that are together. We have a joint chequing

iVillage Member
Registered: 12-10-2009
Sat, 01-07-2012 - 10:39am
Thanks Karen, that was helpful. I want a dyson vacume cleaner also and the are 50$ off at costco but I will resist. I decided to go back to work 2 weeks earlier then planned to give us a bit more peace i.e. Off our lind of credit and flaking a little towards debt. It will only be 2 4hour shifts so I think it will be just fine. I too want to create an account that is harder to dip into. I was even thinkng about setting up a seperate account for my at home pt job and just forget about the $ b/c it is only about 150 every two weeks. So not much but would be a great way to start saving.

Liz

student loan paid off 2010

Bathroom remodel loan paid off 2013

Pending Car loan to be paid by the end of 2014!!!!!

 

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
Sat, 01-07-2012 - 1:10pm
galstorelady wrote:

However, you know, when you keep coming upon things that you have wanted for a long time [snip] and you finally find a good deal or the one you want and you actually still want it....you tend to buy them, even if they are not in your budget. I think that is human nature.

iVillage Member
Registered: 04-10-2003
Sat, 01-07-2012 - 6:43pm
I'm sure you've looked into this, but any chance that you can get a refund for the tuition if you have a doctor's note? Just a thought! I guess I would be hesitant to spend so much money at the moment (but of course, given that aside from purchasing a house and car, I just spend the most money in one shot that I ever have) I'm REALLY biased!

Bex -

iVillage Member
Registered: 04-10-2003
Sat, 01-07-2012 - 6:46pm
Yup. I am what Karen refers to as a "fund flipper". I have separate accounts for all my sinking funds but so many times I'll steal from one to fund another. I really don't know why I bother with the different accounts. I should lump them into one, but for now it works for me. The one that I won't touch unless absolutely necessary is the efund. Even now with my crazy furnace expenditure, I'm still not planning on using the efund because I have 6 months so figure out how to deal with it.

Bex -

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
Sun, 01-08-2012 - 3:00am
girly_girl13 wrote:
I'm sure you've looked into this, but any chance that you can get a refund for the tuition if you have a doctor's note?

iVillage Member
Registered: 10-17-2010
Sun, 01-08-2012 - 7:06am

I do this in many areas...

I notice that if a relative sends money for my DD it goes straight to her savings (which never gets touched) but if a relative sends me money it automatically gets spent on DD.