Since getting rid of my debit cards overdraft I have really had to think about what I am spending money on and if I can get it cheaper somewhere else. The habit of frivolously spending £5 here and £10 there has to go and so is the shouting my friends a coffee or a meal. I am having to go dutch now when I go out with my friends. It's kind of sad to have to do that but I need my weekly spending allowance to stretch as much as possible.
Last weekend I was in the local town (local to where I work that is) and I stepped into WH Smith with the idea of getting a paperback or two, as they were having a sale. Before I had really even looked to see what they had I remembered that my debit card was very low, so had to dash to the hole-in-wall to check my balance. Not enough funds to get a book or anything else, so had to go home empty handed. Not such a nice feeling!!
So much of my wage is going on what I have already brought i.e. my debt, I don't know why I even bother to go to the shops at all.
At least now when I use my debit card I know that I am not creating any more debt for myself and that is a good feeling. It's the restriction of living on a tight budget that is so hard to deal with but I do know that it is all for my own good and I need to learn good habits about spending.