Yesterday was pay day at work, and you can literally feel the sigh of relief amongst your colleagues. Everyone is calmer and talking about where they are going to spend their money. These days it seems most people are bogged down with bills, and with Christmas approaching it doesn't make it any easier.
As for me, it's a different story. Let me give you a little insight into the situation. I have a HCBC Student Bank Account which allows me to have a interest-free overdraft limit of £1,250. This may seem a lot but you would be surprised how much and how quickly I manage to delve into it, infact I'm constantly using my overdraft. Usually when I get my wage it brings in credit for a few days before I fall back into arrears. This time when my wage hit my account the bank balance was -£60. Doh!
Hmmm, there are a few reason for this. One is that I have been spending more so than usual and the other is I have also been giving a few handout's to Dad and Aapa. Will try to not do that for a while.
I have to admit HSBC offering an interest-free overdraft to students is a life-saver but at the same time I know how heavily bank's charge if I was to go over. I have often thought of cancelling it and leeching off parents for a while however the thought of actually doing that puts a downer on me. Oh well, guess this is what being a student is all about.
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what the hell are you spending that much money on?
Everyday things: travel, and food. On the odd accasion its going out, and clothes. Nothing major only normal stuff ;-)
You like spending money, huh!! :-)
That is a pretty neat thing about your acct. though.
Watch yourself!!
Take care!
a negative balance after a paycheque!! good lordy.
on a side note, hsbc is one helluva ripoff bank.
nice blog
Thank you for your comment
To be very honest the photographer were taking so many pictures at once without tellin us to look at the camera. Some of the boys are great posers I have to admit!
With regards to you and the spending habits, I believe the money is not used in a froogle manner. If you start planning a finicial spending barrier plan, you might just stop spending less than you normally do. Trust me it works! I have many friends who have undergone the latter.
Best wishes
Sumaiya