Nervous about spending

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dorothy245
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by dorothy245 » Fri Nov 09, 2018 8:35 pm
Gouldy wrote:
This has made me feel better reading this too. There are a lot of myths around reviews. I’m still nervous for mine but after the first I don’t think I’ll worry anymore.

it is a worry, do you just keep your direct debits in the bank and use cash for everything else. I still think this is the best thing I have ever done, I can sleep at nights now,good luck
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Foggy
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by Foggy » Fri Nov 09, 2018 8:54 pm
dorothy245 wrote:
Gouldy wrote:
This has made me feel better reading this too. There are a lot of myths around reviews. I’m still nervous for mine but after the first I don’t think I’ll worry anymore.

it is a worry, do you just keep your direct debits in the bank and use cash for everything else. I still think this is the best thing I have ever done, I can sleep at nights now,good luck


I had two co-op cashminder accounts. My pay went into the main account and all of my direct debits etc were times to come out a few days after. The balance was transferred to what I called the slush account. From the slush I drew out my shopping allowance, in cash, and popped that into envelopes. For about the first year I then drew cash out of the slush account as required for ptrol, haircuts and the like. It took that year and more to gather the courage to use my debit card instead of cash !
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dorothy245
Posts: 16
by dorothy245 » Fri Nov 09, 2018 11:00 pm
Foggy wrote:
dorothy245 wrote:
Gouldy wrote:
This has made me feel better reading this too. There are a lot of myths around reviews. I’m still nervous for mine but after the first I don’t think I’ll worry anymore.

it is a worry, do you just keep your direct debits in the bank and use cash for everything else. I still think this is the best thing I have ever done, I can sleep at nights now,good luck


I had two co-op cashminder accounts. My pay went into the main account and all of my direct debits etc were times to come out a few days after. The balance was transferred to what I called the slush account. From the slush I drew out my shopping allowance, in cash, and popped that into envelopes. For about the first year I then drew cash out of the slush account as required for ptrol, haircuts and the like. It took that year and more to gather the courage to use my debit card instead of cash ![/q

I tried to get another cashminder account as well as my main one, but was told I was only allowed one account, that's why I decided to take out all the extra cash after my direct debits had come out, only thing is it is awkward if I want to buy something online. still if it is not in my bank account I cant order online so it may be a blessing in disguise. still getting used to using cash instead of my card all the time, but at least I have a little bit money left every month, instead of topping up my credit cards to the limit,i have even got my xmas presents, I got these out of the payments I didn't make when my iva was going through, first time I haven't had loads of bills in the new year. thank you for your advice I find you very helpful, and I know where to go if I need any advice.
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