Why do you overspend?

[liveandchi]

Good luck with the job interview. I was always told that it is better to be overdressed than under in an interview, so I would say the full suit. Let ius know how it goes and we're rooting for you.

[terry1156]

Originally Posted by singinjeannie

I also purchased a pair of casual pants for me for $4.99 (liz wear) and an Armani suit for $7.99 that I put on ebay. The Armani suit is already going for $36.00, so that covers the cost of what I spent at the Good Will!!!

Great score on the Armani suit! That sure made the shopping trip worthwhile.

I don't know much about medical facilities so I can't help much with what would be best to dress in for that, but I do have my fingers crossed that it goes well.

[PrincessPerky]

I know the origional topic is long gone for Jeannie troubles, which I hope are getting better. And the advice here I think will help me too.

But I just wanted to throw my 2 cents in about why I over spend. Mostly because I don't want to admit to myself that it isn't there to be spent. It used to be there. And the rest is because I don't want to admit to my family that it isn't there. I want to be seen as the family that survives on one lousy income though a better income would be nice. Anyway all of my DH's friends ask how on earth he manages on just the one income and before my second kid we did, just barely. but there has been no raises and our family has grown, but I havn't been cutting expensis to make up for it. And frankly I thought I had cut it down to practically the minimum before. But I was wrong. I have found some new ways to cut things down and 'tighten the belt' most from this website .

[akaivyleaf]

Great question... I'm sorry I'm just now discovering it. But I have found that my greatest overspending comes from loneliness. I go out with my friends when they go out because I hate going out alone. I know to stay home, cook at home, watch cable (another extra I could probably cut) and be happy, but I've always been a socialite. Then I have to stop treating the afore mentioned friends. If they don't want to go, I need to take my tail home! That adds up considerably. This year alone the number was so high, I'm still reeling at the revelation.

[singinjeannie]

[quote=PrincessPerky]
"Mostly because I don't want to admit to myself that it isn't there to be spent. It used to be there. And the rest is because I don't want to admit to my family that it isn't there. I want to be seen as the family that survives on one lousy income though a better income would be nice. Anyway all of my DH's friends ask how on earth he manages on just the one income and before my second kid we did, just barely. but there has been no raises and our family has grown, but I havn't been cutting expensis to make up for it." [quote]

BOY can I relate to this, Perky! I've done the same darned thing and am in a similar situation. I finally did admit to my DH how bad it was, and he was floored. I guess I wanted to say, "Well, DUH -- you make $14,000 less than you did 2.5 years ago and we have 2 more kids -- what did you expect???"

It's so hard to go to a huge reduction in income and I'm still trying to figure it out. All our outgo was based on his previous salary, so there is literally nothing left after the bills are paid. But we just kept spending like there was. "Hey, the check won't bounce. The checking account is attached to the Home Equity Line of Credit..."

We're trying like crazy, but the out-of-the-ordinary bills keep on coming.

Oh - and to those who were following my job search -- I did get the job. Now for a HUGE life change for our family...

-Jean

[PrincessPerky]

Congrats on the job

[terry1156]

First off, a big congrats to Jean on getting a job. Was it the one you wanted? I'm sure there will be a lot of family juggling with you being arouns less, but it is one of the steps you wanted to take. I hope it all works out well for you and the change doesn't disrupt too much.

I've been thinking about this question a bit, and I spend money when I feel stress in my life (not a good time to be spending). I also eat a lot more when I have stress. I need to work on that.