Having Several Accounts Doesn't Work For me

Since watching many different videos on money, some saying you should have seven accounts or 4 to 5. To me that was too much and when I followed that I ended up in huge debt. 

                              

I have now two accounts and one is for money saved for holidays and my main account. I like it like that. 

Having my balance showing in my Wallet it is so easy to keep track of what I am spending and balance and like tomorrow I have cash ready and I will take a certain amount in cash and if I can use it I do and has been a good strategy. 

I can't handle so many accounts. Two is enough and my son has an account but that is for him for when he is older and credit cards are venom to me and glad I no longer have one. I would like to have my own home one day but now I am happy with my current situation. 

So my focus is to save for the Summer Holidays and for weekly expenses, like food shopping, coffees, even though most days I make my own, but love writing in a coffee shop at least once a week and I like to mooch but I can restrain myself and just like to be outdoors. 

I'm glad I no longer have an Overdraft and I am glad that I have unsubscribed from some companies and keeping what I know I am going to use and has value. I like the fact I have Journal APP, free fitness APPs and notes and TV APPs which are free and I am selective when it comes to APPs as they use up storage and if I have point cards for the coffee shops and supermarkets I use. 

I was thinking about it, because I am in a steady place in my life and when I get the urge for shopping my enthusiasm tends to go and feel good when I don't spend. Life is not all about Materialistic things. I feel once you love what you have that is the biggest incentive in not spending and having control of the spending bug. 

So have two accounts if you feel the same and having a daily check on your money. I am going to each day check my balance and set myself saving goals and I each week do a Buy List and this helps see where I have to spend money, like food, toiletries and cleaning products. The main things we buy and that I have money should something else come up, example: School uniform and go through my sons clothes, if we need toilet roll, sponges for washing up and laundry detergent. 

I have done some videos about Hoarding on my Youtube channel if you'd like to check them out and please follow me on X too: 

https://www.youtube.com/@Carriechalloner

https://x.com/typical86285

Many thanks for reading,

Carrie X 

 

Being Resistant To Doing Tasks

As soon as resistance steps in I get up and do that task. Example watering my sons plant. However going out today I felt resistant in buying another notebook. This is where resistance can be a good thing. It depends on the outcome. I know if I water my son's plant will keep it alive and grow.

One of the Places I like to walk in Epsomn

Buying another notebook will cost money and when I have plenty already and not gathering dust and once these are used then buy another notebook. It is good to journal. I journal every day and filmed my two favourite things on my Youtube channel: https://www.youtube.com/watch?v=YMmlsGjUCFY 

Resistant's is the mind saying "Be Careful" and can trigger anxiety and anxiousness. Thinking of the things I shouldn't do that I know will make me feel good, compared to what the consequences will be when I know I don't need another notebook and be tempted. I think of God testing Eve. Do I eat a poisoned apple or do something that won't lead to a good outcome. I write a lot but a blank piece of paper can still have the same benefits and yes I love a good pretty notebook but I have ones still unused and my one goal for me is to reduce waste and not keep adding more to landfill.

Also I have made my own and want to test these out and then sell my own. 

Walking for example is free, wakes me up and helps me feel peace in my mind and so can do this everyday, whereby spending money all the time it can make me feel sick at times because I know I don't need to spend money to be happy. Journaling has really good benefits but if someone asks what you'd like for your birthday then ask for a new notepad or when your on holiday save to buy a journal whilst away as to me now it has to have meaning. 

I find excuses as to why I need spend and then afterwards feel regret what I have purchased yet when I have cleaned the house and seen a result of a cleaner desk give me pride in having a shiny clean desk and cost me nothing. Cleaning products that actually clean is worth it, buying a cleaning device that was intended to clean sitting in the cupboard no purpose, when I have clothes and sponges do the same its just a fancy gadget that is a gimmick and not helped but add to more items I don't need. 

I wonder if you identify? Please fill in the comments box below if you do. It costs you nothing in doing so just would like to read other peoples stories. 

So manage your resistance as it can be a burden but it can also be useful in doing positive habits and stop negative habits. 

Many thanks for reading,

Carrie X 

I've got 4 pints of 4 pints milk

What to do if you have a high stack of food? Donate to friends and family or a too a local food bank?

This includes fruit and vegetables soups, stews and even curries. 

Made myself a Pimms and great for using up fruit and yes I ate the fruit once finished and so getting my Vitamins with a favourite drink of the Summer. 

I now going to have some scrambled egg on toast and use up the milk and my son drinks a lot of milk so not too bad and its good to have enough. My step dad would cook extra for lunches and to give to a elderly lady and call a friend to come over to have a meal with you if they're in need of company. 

If you have the crusts of bread why not make a bread a butter pudding and I am going to make a hot chocolate later or tomorrow with hot milk and so it has its uses over stocking and can help with being inventive and have fun when cooking to see what you can make.

If it is fruit and milk you can make smoothies or lollies as long as you have a freezer and ice cubes and with yogurts too and with meat can be frozen and having a good back up of food is good as then your not going over what to have and I like to trying different drinks and food. I like my cold coffee so I have ordered cans by Nescafe and see what they are like. 

I love a cold coffee this time of year and hot coffee in the winter and not going buy anymore coffee as I have sachets to use and a bag of coffee for my Cafeteria and love a milky coffee and so got some ideas of what I can have now I have a overstocked on milk and my son will be pleased. I did give my mum and step dad a four pint. 

My husband loves tuna and so these are good to have in the cupboard as great for sandwiches and dinners. I am not keen on Tuna but my husband does and we have plenty of peanut butter which we mainly have for breakfast and like to have fruit and use some of it for drinks. At the weekend I saw we had a bottle of Pimms still in the cupboard so made myself a Pimms and Lemonade and used strawberries, a quarter of a orange, cucumber and mint, with ice and not something I drink all the time but love one now and again and so refreshing. The only downside is that when buying oranges I couldn't just buy one which one is all I needed but going to have a quarter that we have left of one and is better than juice and great for cakes like spiced ginger cakes, with a dash of cinnamon and very good for the #autumn but still, I like an orange and having a lemon and lime for drinks. 

So not feeling too bad of having a lot of milk but will hopefully be good to have enough for us now so I only need to pick up one for the rest of the week and means I can do a morning walk to get some and learn for my next shop.  

Many thanks for reading, 

Carrie X 

Use It Up and Reducing what I buy

I love it when I have an empty fridge because it challenges me to use what I have in my food cupboard and freezer. I have not bought anymore skincare until I have used up my creams and I have enough Shampoo to last me a life time and shower gel and so I can focus at the moment on booking things to do in the Easter holidays. 

It is good to have a back up of food especially when it is freezing cold outside or your cooker goes on the blink and we tend to have sandwiches or soups for lunch and so the two things we buy is milk as that is what my son drinks, along with water and bread. 

Breakfast is usually toast, yogurt or cereal. 

We don't do our washing everyday but this helps me wear the clothes I have and not buying any this year. I like the clothes I have and I rotate my clothes and I was watching a Sheerluxe video on youtube and a lady saying she doesn't allow the weather to dictate what to wear so challenging myself to wear all my clothes still even when it is cold and not stop the weather from wearing a skirt and I think it is a British thing to do to dress by the weather and I have enough for the year. I have clothes that I can layer up but I have a blog about Versatile Fashion and try to buy clothes that suits all seasons.  Carries Versatile Fashion – I love Fashion that can be mixed with all seasons

I am keeping my hair short now because I don't need to keep investing in hair bands and I will still wear my baseball caps and winter hats but I just don't want to have to tie it up. 

I have reduced buying biscuits and I am still ordering from Amazon but the fact that I almost up all night waiting for a notebook to be delivered is the spirit telling me to stop relying on Amazon and buy from the high street as I have allowed myself one notebook a month. 

I am trying not to buy reading books and this has made me listen to the audiobooks I have and so holding myself in from buying so many. 

It is good to have no more baked beans and use tin spaghetti instead to use, pasta is great for meals and my son and husband love salt and pepper and so we keep staples like that but not too many. We at one time had a collection of herbs and spices and they never got used and so had to be thrown. 

Instead of buying fresh garlic we use Garlic Granules and have sauces like Mayonnaise, Ketchup and BBQ sauce. These are always used and never go to waste. 

So if you use it all the time then it is good to stock up, but if it is only one recipe then buy less and make meals you know you will have. I feel that we buy, and this from my own personal experience for the "Ideal person" we want to be, so I am realistic now with what I know I will get consumed and to reduce waste. Keep it realistic and go through the diary to go through what you are going to be doing and what you will be using and I always have hand cream, a packet of tissues, wet wipes and an umbrella in my bag and my sons pocket money but not over doing it as my bags can be heavy. 

Also I like cloth bags and have one I use if we do need to pick up something from the shop.

We now have a mug we no longer use store money for shopping should we need more milk or bread. 

It is good to always have a back plan and I often will go through my stuff and what needs to be used up and keep a list. 

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Many thanks for reading,

Carrie X