Yea Forumsros I think my mind is broken
Over the last couple of years, I’m used to having an empty bank account, even after being paid, due to debts and low income
Recently I had the best pay day I’ve ever had, paid all my bills and still have over £1200 of disposable income sat in my account
I keep trying to buy nice things, but I’m so used to having nothing left, something keeps telling me not to buy them, as I can’t actually afford them
What do?
Thats a good thing dont buy something you dont need
It doesn’t help I’m on holiday from work at the moment, I’ve got nothing to really distract me from it
This and thank him later
Don't buy them.
It's all a scam by the Nice Thing Industrial Complex.
Treat yourself to a night out. Go visit somewhere. Experiences are always have more value than objects.
>doesn't spend money on useless crap as soon as he has some spare
>thinks this is strange
Save it. Or better yet, invest it. No wonder you're used to having nothing if your attitude to money is just to spend it as soon as you get it.
Thats good lad, im in much the same boat right now. Treat yourself but try not to lose that mindset of saving all you can. Your on the saving road now lad
I never had money as I was earning £7 an hour, and had lots of bills to pay and would leave me with literally nothing
I now earn £16.60 so it’s a big difference that I’m not used to
Forgetting an experience is easier than loosing an object
I get like this.
I'm 26 and still living at home on a decent wage. Got about £25k in savings and fuck me is it hard to not go and spend it when I have time off work because I literally have fuck all else to do.
Just dont do it. Save it for something in the future. Start a house deposit, just dont spend it on any old shite that'll give you gratification for an hour and then lose it's novelty.
just save up cunt, having money dosent mean u have to burn it straight away
Pay off a chunk of your debt, to reduce it's monthly payments which ends up giving you more in the long run per month.
Don't go down the route of splashing it all out on shit, thats what got you there in the first place.
Same here mate, i make 270 a week before tax and what have you but 80% goes straight out on bills and debts and the last 20% is to keep me alive. But other user is right. Just dont piss it on things that will give you an hour or so of entertainment and then forget about it. Spend it wisely. Open an ISA and start trading. Thats my big plan when ive some money to throw about
or if you don't want an ISA, get yourself down to natwest and get yourself one of their saver builder accounts (I forget it's exact name)
As long as you can save £50 a month and pay it into that account, you'll get 1.5% interest. It's worth about £200 a year to me right now and that's not to be sniffed at. You're free to slap however much you want in there and there are no withdrawl limits etc. like on an ISA.
ISAs only last up to 5 years, and are absolute shit. About 2.1% AER if lucky.
However there is LISAs now, which are the longer term ones which end when you reach 50 years of age. However there is lots of T&Cs that if you end early you lose x,y and z.
However if you keep it going at a young age and pay regularly up to 4k a year, you can get a 25% bonus per 5th April from the state.
So I would go for the LISA if you are strong willed, when you hit 50, you can practically retire then from the annuity you have accumulated and bonuses.
What do you do now OP?
Work wise? I build luxury cars
That happens when you live like a poorfag for a long time. I also feel like that even now that I have a job that pays pretty well compared to what I had before. I still feel guilty going out for food with friends or coworkers and stuff. If this is a one-time payout, I'd say get yourself something nice but save most of it for a rainy day. If your life situation has changed and this is how much you have extra per month from now on, though, make yourself a budget and give yourself an "entertainment" budget. That helps me feel like I'm allowing myself to spend up to that much money on whatever I want each month, so I don't feel guilty or bad that I'm buying a new game or whatever because I already put aside the money for that kind of expense.
Were you in the same line before your pay rise?
I worked in a factory before making automotive parts, but it was a whole different company
Materialism sucks balls.
The only things I need are things of utility - computer - protection - wardrobe. I don't buy new things, I replace the things that wear down and break.
What prompted the change?
Nice strategy user
Money primarily, plus the company I work for now looks really good on any CV!
Sounds obvious, but don't buy anything that you don't really need.
Why did you want to earn more money?
Is this some sort of trick question? Literally everyone wants to earn more money
Wanna read a book
>libgen. io
Wanna go outside
>go outside
Wanna ride a bike
>Get an used one for 300 bucks
Buy something you csn use for long/use for sure/sell easily or do something outside. You don't need to spend everything at all and not all of it.
No, but what was the reason, you stated that you're flush with cash and are having difficulty rationalising it. Get back to the reason why you wanted it, and go from there
OP here i understand you guys maybe not. Because why shpuld i have 1200 bucks on my account? Its literally meaningless so why not better buy cool stuff so the money gives me something bsck to my life instead of a balance on my account. Its nothing when its just sitting there in the account when i can buy me cool shit eith what i can impress females. So i call bullshot advisory from ugly broke neckbeards. Kys
Stock market reinvest your extra cash
wish i was in your shoes. just got another dui this morning. gonna owe the state a lotta mone. check out this flowchart
Hey is this money coming back around or are you just sitting pretty for the moment? You’re used to a frugal lifestyle, that’s a good thing. Money can’t buy nearly as much happiness as you think. Enjoy your life but don’t be foolish and ease your money on meaningless things that society wants you to believe you need. Know what makes you happy, and what’s a waste, and spend your money accordingly. Think long term with your current financial state, and it’ll be much easier to maintain a “happy” life on this planet