r/Glasgow Tools

Title
Author	dddiamonddd
Comment	> I literally do just end up lifting rom the the other pot when I max one out. Ultimately, this is fine to do, provided you do it knowingly and understanding what that means for your other goals. But if you do find yourself making the same move over and over, it may be worthwhile reassessing how much you're giving yourself in each pot. In an ideal world, you could be like "okay £100 only for fun money for this month" and that'd be it, but you need to be realistic. And you need to be quite firm with yourself about taking money from other pots. Work out why that happens - do you blow the budget early in the month? If so, what on? Can you avoid/minimise that? What's the driver behind it? Is there any correlation between you doing one thing and then going over your budget? For me, it was going out for a couple of drinks with friends during the day, not getting drunk or anything, but just tipsy enough that I didn't want to cook what I'd already bought in once I got home, so I'd get a takeaway. It takes a lot of self-reflection, but it's worth it. > Thinking back to that can be quite depressing. I just looked at the graphs I have of my debt. In April 2019, I had £29k of debt and I was earning £17.5k at the time. That £29k, aside from the portion that was my car (which was only £5k, I needed it for work), came from being an absolute fucking dipshit between 2012 to, approximately, 2017. I got my shit together in 2017 and stopped the debt from growing, but I wasn't earning enough to actually get it to meaningfully come down. I sometimes I do get genuinely raging at myself, at the thought of all the shite I bought. I have very little to show for that debt (except my wee car, that I paid off in full earlier this year!). The clothes, shoes, make-up, etc is all gone now because it's absolutely not my style anymore. Some of my furniture contributed, but not much - it's only IKEA stuff, nothing fancy! So the rest of it was, basically, takeaways, drinks, other disposable/temporary things. But there's nothing I can do to change that now. I was a dipshit and that's just the reality of it. I've been on an apprenticeship since 2018 and I'm about to qualify as an accountant later this year, so I'll be hopefully getting to £40k, and what's left of my debt will be gone shortly after that. It pisses me off to think that if I'd been saving instead of paying down that debt, I could have already been in a house, but it is what it is. Gotta just keep going forward. You'll be okay.
Reddit Link	https://www.reddit.com/r/glasgow/comments/wrinbc/credit_union/il22ero/
Created	Sat 20th Aug 2022 1:02pm
Status	normal ()

> I literally do just end up lifting rom the the other pot when I max one out.

Ultimately, this is fine to do, provided you do it knowingly and understanding what that means for your other goals. But if you do find yourself making the same move over and over, it may be worthwhile reassessing how much you're giving yourself in each pot. In an ideal world, you could be like "okay £100 only for fun money for this month" and that'd be it, but you need to be realistic. And you need to be quite firm with yourself about taking money from other pots. Work out why that happens - do you blow the budget early in the month? If so, what on? Can you avoid/minimise that? What's the driver behind it? Is there any correlation between you doing one thing and then going over your budget? For me, it was going out for a couple of drinks with friends during the day, not getting drunk or anything, but just tipsy enough that I didn't want to cook what I'd already bought in once I got home, so I'd get a takeaway. It takes a lot of self-reflection, but it's worth it.

> Thinking back to that can be quite depressing.

I just looked at the graphs I have of my debt. In April 2019, I had £29k of debt and I was earning £17.5k at the time. That £29k, aside from the portion that was my car (which was only £5k, I needed it for work), came from being an absolute fucking dipshit between 2012 to, approximately, 2017. I got my shit together in 2017 and stopped the debt from growing, but I wasn't earning enough to actually get it to meaningfully come down. I sometimes I do get genuinely raging at myself, at the thought of all the shite I bought. I have very little to show for that debt (except my wee car, that I paid off in full earlier this year!). The clothes, shoes, make-up, etc is all gone now because it's absolutely not my style anymore. Some of my furniture contributed, but not much - it's only IKEA stuff, nothing fancy! So the rest of it was, basically, takeaways, drinks, other disposable/temporary things. But there's nothing I can do to change that now. I was a dipshit and that's just the reality of it. I've been on an apprenticeship since 2018 and I'm about to qualify as an accountant later this year, so I'll be hopefully getting to £40k, and what's left of my debt will be gone shortly after that. It pisses me off to think that if I'd been saving instead of paying down that debt, I could have already been in a house, but it is what it is. Gotta just keep going forward. You'll be okay.