Topshop can have my soul.

By Heather · Sep 6, 2011 · 525 · 6
  1. Seriously, they can have it, keep it, do what they want with it.

    I have come to the realisation after spending yet more money today, that I am not very good at budgeting. Up until now, that hasn’t been a massive problem – when my bank account gets down to 35p so that my card gets declined from superdrug, that doesn’t matter. Yes, it is embarrassing to have to put the items back I wanted to get, but no big deal.

    In two weeks however, I am going to university, and it is going to become a problem. I have worked out that once I have paid my accommodation for my first term, I’m not going to have that much money left over each month. Take off the price of my contract phone, and combine with my bad budgeting skills – let’s just say I am getting nervous. I know that if I ever did get into some serious trouble, my dad would be there to bail me out. But I really want to prove myself, that I can do this. Yes, I have been irresponsible with spending in the past, but now I will have essentials to pay for, like food.

    So here’s to growing up and learning money management skills. Either Topshop will accept my soul, and I can continue to have beautiful clothes. Or, I will have to get used to budgeting. Wish me luck, I fear I’m going to need it.

Comments

Sort Comments:

Sort Comments By

  1. teacherayala
    BUDGET, BUDGET, BUDGET! Get it on paper, though. Don't trust your brain to tell you what is for what. Get a little organizer to separate your cash. Pay the bills FIRST, and then dole out the rest. Whatever you do, DON'T get a credit card!!! (My mistake, and university people are targeted by credit card companies on purpose, btw.)
    teacherayala, Sep 7, 2011
  2. Heather
    Yea, my bank has already sent me several things about getting a student credit card - practically telling me I won't be able to live without one.

    I've got two bank accounts though, one savings and one current, so I'm gunna try and put the money left over after paying my accomodation into the savings - then set up a direct debit with 'x' amount each week into my current account. Sounds good in theory, just hope I can stick to it :p
    Heather, Sep 7, 2011
  3. Shadow Reeves
    i am currently a 2nd year uni student. and believe me when i say that you learn to live with less very fast.
    when i look in my cupboard and only see 12 eggs and a loaf of bead, that is food for 3 days, not a sign to go shopping.

    but remember:
    -Bills come first.
    -alcohol comes out of a 4 Litre goon sack
    -eat before you go to class - that way your money doesn't disappear at the cafe.
    -put all your spare change in a box everyday, and you will quickly see it grow. this is 'i couldn't be bothered cooking' money. comes in handy after a long day.
    Shadow Reeves, Sep 7, 2011
  4. Heather
    Thanks for the tips, I hadn't really thought about eating before class so that you don't spend money out, but I bet it saves a fortune in the long run. Greggs can be really expensive sometimes :p
    Heather, Sep 7, 2011
  5. Cain
    I remember spending my first term's grant on an electric guitar - rock & roll baby!!!

    Totally agree with teacherayalala - Don't get a credit card. If there's one financial tip over all others it's that. Don't even be tempted to get one saying you'll pay it off each month. You won't. It's taken me 20 years to get the hang of having one, and when they get max'ed out it's really hard to get back under control.

    So don't even start. Seriously!

    Other than that, enjoy uni - you'll have a fantastic time :)
    Cain, Sep 12, 2011
  6. Heather
    Lmfao!! Really responsible ;)

    Yea, my mam's already had a talk with me about the dangers of credit cards, I think I'll avoid them just to save getting hassle from her.

    And thanks!! :)
    Heather, Sep 12, 2011
To make a comment simply sign up and become a member!
  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
    Accept Learn More...
    Dismiss Notice