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piątek, 22 maja 2015

Busy day yesterday

So this Thursday another pay day, i decided not to make a budget though I made a rough one in my head, went shopping- just some food, we ate out, had to change tyres in our car, and book holidays!!!
Tyre's         270
eating out     20
cigarettes        8
plane ticket 355
food            130
Total           783

Income             300
balance            -483

So after all:
debit on account 780
carry over debt   200
total debt            980

money left in account/pocket  190

Now I will explain:
To buy new tyres it was planned for 29th may after my payday but unfortunately it is flat nearly every day and it is a must spend.

We still to get this week:
fuel 30
cat food 25
meat 20
cigarettes 25


Debit on account will be paid off on the next payday in full.

Our holidays:
So it is 6 days in Fuertaventura all inclusive option for 2 adults:
flights 355 with Ryanair
bags      90
hotel   270 will be paid at the hotel on arrival
Total:  725 for a couple all incl :)
Not bad
We are leaving in June so the weather will be fab.

This was the cheapest thing we could find.




środa, 20 maja 2015

Time to sum the week

So last week went good and bad...so so.
Not all plans were done and not all went as per budget but was not bad.

Bills: just one bill left for internet (60) it is due on the 25th may.
Debts: my accounts is debited on 17 and credit card is credited on 200.
Spending: we didn't go to the vet, no time.

On account left 73  which will go for:
Bill 60
debit 17
         77

Balance -4!

So what went wrong?
1. My hubby spend 20 for a game
2. He also got another pack of cigarettes so he spend 40 instead of 25.
3. We had a take away for 20.


Now when I look at it it went very good! I am happy with the results.
What do you think guys?

wtorek, 19 maja 2015

Compulsive buying disorder



Compulsive buying disorder (CBD) also known as oniomania comes from greek ὤνιος ṓnios "for sale" and μανία manía "insanity". It is obsession with shopping and buying that brings negative consequences. Compulsive buying "is experienced as an irresistible–uncontrollable urge, resulting in excessive, expensive and time-consuming retail activity [that is] typically prompted by negative affectivity" [ Kellett and Bolton (2009, p. 83)].

















History:

Compulsive buying disorder was first described clinically in the early 20th century by Bleuler and Kraepelin, and they included CBD in their textbooks. Bleuler writes: "As a last category Kraepelin mentions the buying maniacs (oniomaniacs) in whom even buying is compulsive and leads to senseless contraction of debts with continuous delay of payment until a catastrophe clears the situation a little - a little bit never altogether because they never admit to their debts". Bleuler described CBD as an example of a "reactive impulse", or "impulsive insanity", which he grouped alongside kleptomania and pyromania.

CBD was not a popular throughout behaviorists of 20th century.First big research started in 1990 and were described worldwide in US, Canada, France, England, Germany and Brazil.

CBD is still not classified in DSM-IV but was added in DSM-III-R as example of "impulse control disorder not otherwise specified".


Epidemiology

According to Psychiatric Times [December 01, 2006] CBD affects 1 in 20 adults. As unexpected as it sounds according to study done by Lorrin K. (professor of psychiatry and behavioral sciences in Stanford University, California) showed that 6% of women and 5,5% of men have symptoms associated with CBD. Men usually tend to buy electronics, gadgets, tools, books and CD's while women buy clothes, make up, craft items or objects for home.

According to those study people with symptoms of CBD are more likely to have their credits within 500$ to 100$ of their credit limits and where 4 times likely to very often or often make minimal repayments. They are also younger and with yearly income of 50 000$ or lower.





http://www.medicine.ox.ac.uk/bandolier/band153/b153-6.html


Symptoms

Main symptoms of CBD are:
  • Shopping or spending money as result of feeling disappointed, angry, or scared 
  • Shopping or spending habits causing emotional distress in one's life 
  • Having arguments with others about one's shopping or spending habits 
  • Feeling lost without credit cards 
  • Buying items on credit that would not be bought with cash 
  • Feeling a rush of euphoria and anxiety when spending money 
  • Feeling guilty, ashamed, embarrassed, or confused after shopping or spending money 
  • Lying to others about purchases made or how much money was spent 
  • Thinking excessively about money 
  • Spending a lot of time juggling accounts or bills to accommodate spending 






Consequences

Consequences of compulsive buying disorder can be divided in several categories:

1. Financial- that will include overspending, bankruptcy, loans, ruined credit history, extreme debt, late bill payments.

2. Social- family conflicts, divorce, broken relationships

3. Emotional- low mood, depression, anxiety, other compulsive disorders like mood, eating and substance use disorder, lowered sense of life, suicide.

4. Legal- theft, use of illegal substances, homelessness and many more


Causes

Causes of CBD are unknown but it is believed that they start in early childhood when the child was neglected by parents and were grown up with low self esteem. They have felt unimportant and were substituting their loneliness with toys or food which later changed to shopping.

Big role in developing CBD plays social and cultural background when credit cards are easily accessible and it is easy to spend beyond the limits, it is socially acceptable to take big loans and socially required to have all newest designers clothes, gadgets etc. We are living in market based community where wide variety of goods, disposable income and significant leisure time makes us more prone to develop CBD.

Another theory says that there is increased risk for CBD in people with disturbed neuro transmission. They have noted similarities between CBD and obsessive-compulsive disorder by levels of SSRIs - serotonin inhibitors.




Prevention

There are few things that can help people with CBD with their urges:
Pay for purchases by cash, check, debit card.
Make a shopping list and only buy what is on the list.
Destroy all credit cards except one to be used for emergency only.
Avoid discount warehouses. Allocate only a certain amount of cash to be spent if you do visit one.
"Window shop" only after stores have closed. If you do "look" during the day, leave your wallet at home.
Avoid phoning in catalog orders and don't watch TV shopping channels.
If you're traveling to visit friends or relatives, have your gifts wrapped and call the project finished; people tend to make more extraneous purchases when they shop outside their own communities.
Take a walk or exercise when the urge to shop comes on.
If you feel out of control, you probably are. Seek counseling or a support group.

Treatment

Treatment for people with compulsive buying disorder is available through cognitive behavioral therapy (CBT) and/or antidepressants.

While there are no clear results from studies done on pharmaceutical therapy- some say it works some say they don't it is believed that best results are from group CBT.

Study done by Michael Lejoyeux and Aviv Weinstain revealed that the person suffering from CBD should be first "evaluated for psychiatric co morbidity, especially depression, so that appropriate pharmacological treatment can be instituted."

Their research also showed that 10 weeks of CBT significantly decreased episodes of compulsive buying and spent less time shopping comparing to people who did not receive CBT.








Some people say that CBD should not be medicalized and that it is "moral" problem used to sell more medications. Koran responds to those people by saying "The same can be said about alcoholism and gambling. These are behaviors that meet the criteria of causing substantial distress and dysfunction."

Then he added that compulsive buying is meeting criteria for other compulsive behaviors that classify for mental disorders. He thinks that CBD should be in DSM-V under impulse control disorder. He said "It is associated with tension beforehand, pleasure or gratification during the act, and then remorse, regret, or guilt afterward because of the problems it creates,"









References:

http://en.wikipedia.org/wiki/Compulsive_buying_disorder

http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1805733/

http://www.indiana.edu/~engs/hints/shop.html

http://www.addictionrecov.org/Addictions/?AID=34

http://www.psychiatrictimes.com/articles/compulsive-buying-disorder-affects-1-20-adults-causes-marked-distress/page/0/3


sobota, 16 maja 2015

Raging

So how can I plan our expenses and pay all debts and save as soon as we can when my husband don't care about it!! Oh he is so annoying!.
So as you could see i my previous post I had everything planned to pay everything today I am paying the bills and I am checking my husbands account and what can I see
he is paying 22 for a stupid online game !! I know it is not much but for this amount of money we can buy food for our animals!
I even wouldn't mind if he bought something for himself- clothes, perfumes or anything like that but it is stupid game!!!
I need to do something that will make him remember that I am really trying to plan a budget and that there is no place for unnecessary spending.
Am I right??
Any ideas??
Anyone??

czwartek, 14 maja 2015

Well done

So today shopping didn't went bad. I squeezed myself within my limit, bought new set of bed linen and ate out.
Bed linen was only 16,99 for double :)and is nice and soft, goo quality as I have another set of that brand. Many colors to choose from. I am uploading a picture of them.




We ate out in subway and had foot long sandwiches and 2 drink for 13,20.
My hubby got a packet of smokes for 8.50 and should last for 2-3 days. 
Shopping in our polish shop was 25.34
Shopping in Lidl together with 2 sets of bed linen was 108.44



So in Total we spend 146,98. That leaves us with 53,02 until 22nd of may. We need to buy cat food on Saturday (around 14) and maybe some bread next week. Also my hubby can get 2 more packets of smokes until 22nd. 


Overall I am happy, thought I will spend less but really needed new bed linen and this type is rare here in Ireland I am happy I got it. 
I hope I will be good for this week and won't got over the budget. 



PAY DAY

OK so after last Monday mania it is time for some goal reaching. It is PAY DAY!!!
My hubby got payed today- 350 as we had bank holiday and I will receive 1550 tomorrow.
Lets plan how effectively I will spend those money.

MONEY IN: 1900

Bills Due this month
phone 75
TV 50
internet 60
electricity 70
family 250
water 65

TOTAL BILLS: 570
DEBIT ON ACCOUNT: 760
TOTAL MUST PAY:    1330

LEFT: 570

After that I will have all bills payed and my debit will be gone.

I will still have 450 to pay on my credit card.

What I will do with 570 left??
Well
FUEL for my car is 50.
GROCERIES:       200
CIGARETTE:         25
VET:                       50
TOTAL                  320

LEFT: 250

Those 250 I can easily pay for my credit card that will leave my with debts of total: 200!!
I plan to pay those 200 in 2 weeks time when I get next pay so all my debts will be payed by the end of the month and then I will only start to save.

Keep your finger crossed for that plan as you know I am weak :).


Plan for today, maybe shopping as I am out of fresh veggies and fruits etc. Hope to spend as little as possible.

poniedziałek, 11 maja 2015

bummer

OK, so I am back from shopping. It went really bad... like I am seriously terrible in  restraining myself from buying unnecessary things.
Let me tell you from the beginning....
We took the clothes for the charity shops, i am just entering the shop and there it is, just in front of me..... absolutely amazing solid wood dresser and on the top of it very unusual wine rack made out of a barrel. How could I not get it??? On the prices where great..... 10 for the wine rack and 30 for the dresses. I had a coupon for a fiver so I paid 35 for both. Amazing stuff. I am posting some pics for you to see.

Then went for bread and cat food.... of course there was a Greek week in the shop( of course they have the best things when I am short on cash) ...I love Greek food and it not popular here in Ireland so again i was in manic buying mood..... So instead of spending 7 for bread and cat food we spend for 130 for tzatziki, bifteki, halumi, halva, yoghurts, baklava, chesse puffs, spinach puffs vanilla swirls and many more.....Well at least my fridge is so full now I don't have to buy many things on Thursday weekly shopping. My debts are now bigger.... of course....1190. Payday is on Thursday- my husband and Friday me.

So any ideas on maniac shopping???




Let's begin with the crack....

Now, first challenge for me is going for small shopping.
I have 50  in my wallet until Thursday so 3 days.
I need to go and buy bread and cat food though I presume I might buy some tzatziki and halumi cheese as well.
I am also going to charity shop to give them some clothes I don't use anymore. I love Charity shops!!!! They have so many cool stuff there. It will be big temptation for us.
Maybe I will set myself a limit of spending today half of those money....25. Then If I see something I might afford it. Will write you how it ended :)

sobota, 9 maja 2015

The must spend

So i went through my goal and my income and now is time for the painful part...the bills. I have no idea if it is a lot or not but over last six months I have decreased them a lot. I don't know how much more I could go without giving up on some things I like. So lets group them:

  1. Rent for 2 bed apartment in the suburbs- 800/month
  2. Household bills: 
  • electricity- 70/month 
  • gas- depends- 50/every 2 months in summer and 150/2 months in winter.
  • water- so far 65/ every 3 months but it might change when water meter will be installed
  • bins- 100 once a year
3. Communication
  • 2 phone's on bill pay with a lot of minutes and data, never went over unless abroad- 130/month
  • TV- 50/month
  • Broadband- 55/month
  • TV license- 170/year
4. Car
  • Tax- 200/every 3 months
  • insurance 600/year
  • NCT- 50/year
  • fuel- at the moment without taking trips just work and shopping it is 200/month
5. Support
  • We are supporting our mother's, it is necessary- 250/month
  • salary protection scheme- 30/month
6. Work permit as a nurse- 100/year


Wow, now I can see all of them it is a lot..... 

All the assets

Sooooo now let's explain where I stand financially. As I said before I have a well paid job as nurse manager. I earn 21,50 per hour and work 168 hours per month. I have a supplement for working Saturday 15% and Sunday 30%. I work two weekends every month. After tax I presume I will have around 2800 a month paid fortnightly.
My husband works in a factory and is on minimum wage of 8.65 per hour and works around 156 hours per month. He is not paid for breaks or have any supplements. After tax he gets around 1200 per month and is paid weekly.
Our total for our household should be around 4000 per month for 2 adults, no kids.
Do you think it is a lot??

piątek, 8 maja 2015

Dreams are so far away....

So I have a lot of dreams, they change as quickly as the Irish weather, my priorities change all the time but I need to star somewhere. So I have picked one, probably the most expensive one but a long term dream. So I want to BUY A HOUSE. Well get a mortgage and to get it I need 10% of a value of the house. So I am thinking of a nice 3 bed house with nice size kitchen and living area and a good size garden. That should cost around 200,000. So what my saving goal is 20,000. It scares me it really does. How the hell I will get those money?? This is my struggle now...how to live and not just excist wile saving that money as quickly as possible. Let's start then.....

Some explanation at first

Hi!
I have a plan, a dream, one of many. I recently went through some difficult work situations and it made me think about my own "must to do" list. I will explain it to you briefly. I wanted to leave my work- it was so stressful nearly unbearable to exist in there, because all of that my health was compromised. I wanted to leave but couldn't do so because of finances. I couldn't afford of being unemployed and having no work stability. I had to pay my bills and buy food. I have suffered for 3 more weeks and went for sick leave. It has been more then a month now and I still suffer from insomnia, stress and depression.
I started thinking why a person on a good salary as a nurse manager have no savings but debts and can barely survive until next payday. I never thought I live high life but the ordinary one, i was buying a lot of things but cheap ones. I have been trying to get out of debts for more then 6 months now and when I am nearly out I fall back again.
I can understand why? What I am doing wrong?
With this blog I wanna show you my struggle of paying the debts and saving money for my dream. I wanna show you my way of finding what I am doing wrong, fighting with my own temptations.
I hope you will enjoy it...who ever you are.