Hi all,
This may seem like a stupid post to some people, but having just had a conversation about it at work, turns out I'm not the only one struggling with this one.
Basically, while I am not in debt and I do have money in savings, I find it a constant struggle to keep control of my money.
I have set up so that DD comes out each month for my savings, my rent, my bills.
I suppose what I have been pondering these last few months is my financial plan. I am saving towards eventually buying a house, though in the current climate that's not something I plan on doing any time soon.
Are there any good books out there that could teach me about money? More in a 'if you splash out and book that weekend away, how will that impact your overall goals?' type of a book. I have read the book 'Can't buy me love - Merryn Somerset Webb' and found it very thought provoking. I want to keep going along that road!
What happens me is that I lose self control when/if I see a bargain - and will purchase something on credit card as I wont have the money saved up for it. Now ok, I will always pay off the credit card when I get paid at the end of the month, but it does mean I never seem to have a full month's wages to start with - always a few hundred that has to be paid off from the month before.
In a nutshell, as I am rambling a bit, I need to learn what consquences my actions cause and how to know when it is worth taking a risk or not.
Anyone?!
This may seem like a stupid post to some people, but having just had a conversation about it at work, turns out I'm not the only one struggling with this one.
Basically, while I am not in debt and I do have money in savings, I find it a constant struggle to keep control of my money.
I have set up so that DD comes out each month for my savings, my rent, my bills.
I suppose what I have been pondering these last few months is my financial plan. I am saving towards eventually buying a house, though in the current climate that's not something I plan on doing any time soon.
Are there any good books out there that could teach me about money? More in a 'if you splash out and book that weekend away, how will that impact your overall goals?' type of a book. I have read the book 'Can't buy me love - Merryn Somerset Webb' and found it very thought provoking. I want to keep going along that road!
What happens me is that I lose self control when/if I see a bargain - and will purchase something on credit card as I wont have the money saved up for it. Now ok, I will always pay off the credit card when I get paid at the end of the month, but it does mean I never seem to have a full month's wages to start with - always a few hundred that has to be paid off from the month before.
In a nutshell, as I am rambling a bit, I need to learn what consquences my actions cause and how to know when it is worth taking a risk or not.
Anyone?!