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Am I an impulsive buyer????

Written by blueroze from the blog what's in a name on 23 Feb 2009
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Manene na Manenekazi

This question has been in my mind for time now. I believe most of the people here have credit cards.

We love them, regardless of the credit crunch teachings.
Ive had mine for long time, I appied for it so that I can make seriuos purchases with it or only when I am in trouble.

Now lately I have been using it for petty things.When I say petty thing I mean things which I could be able to live without and not die.

I had set a limit for myself for my credit card balance. This was to help me to pay a little for instalment, or better to pay the whole amount in a month. But lately I have went overboard.

Guys am I an impulsive buyer?

The last items I bought with my plastic was 3 fur cushions, they are nice but not necessities. I can live without them, but when I saw them I just bought them.

If you think I am one, how do I recover?
What I usually do is that I leave all my banking cards at home and have maybe R50 in my purse to avoid temptation. This always works but I cant go on like this.

I feel like I am becoming a danger to my own life.
Am I overreacting?

Since I always keep my receipts so that by the end of the month I chack what I spend money on, I am scared to see that more than ten transactions this month were made from my credit card.

How do you guys define an impulsive spender/buyer?
In your opinions can they be rehabilitated?

122 Comments

blueroze
23 Feb 2009 14:41

lets hear what you have to say about this one

TheLady
23 Feb 2009 14:46

Girlfriend, I can't give you any advice...am baaaaaaaaad with cash. I need help too-I hope people come to the party and we'll see what other girls do.

Toxic
23 Feb 2009 14:49

TJO, izolo i went to buy a book i could have waited 3 days to buy but i just couldn't delay this. Then i went to buy McD's mcflurry so i could eat it while i was reading the book......all on credit. Guess i can't give you advice either.

awelani
23 Feb 2009 14:56

I'll wait and see what blockers say about this, coz I know um a compulsive buyer, yesterday i was in a queue for over an hour for 2 items coz they were on SALE..so i guess I also need help,,

Dimago
23 Feb 2009 14:59

Then i went to buy McD's mcflurry so i could eat it while i was reading the book......all on credit.
LOL Tox, a mcflurry on credit..hahahha...now that's impulsive

Eish lenna i fall in the category of impulsive, so no advice from me.

mjj
23 Feb 2009 15:03

I'm worse, I have 2 and I'm suppose to pay off the other 1 by the end of the week.....but you shouldn't stress about money, I have a trick on how to work around your credit card....I'll PM it to you

Cande
23 Feb 2009 15:03

will wait & read

awelani
23 Feb 2009 15:03

mjj, please pm me too, i need help..

Ms. Jay
23 Feb 2009 15:06

I have learnt never do use plastic - I pay for everything cash-cash. Its a hard long walk to freedom but worth it.....never move with your plastic - even jicoe!!!! keep cash that way you spend within your purse.....at the start of every month budget, on the cash you have not credit you can afford......

ngwana
23 Feb 2009 15:07

I cant give advise cause i am much worse.
this month i went into Overdraft and i have maxed out my card. bying things i could live without.
I cant walk into a look&listen and walk out empty handed.
Last week I went to Stutterfords cause they had a sale and i ended up buying a GAP sweater that (no that i think about it) was over-priced.

I suppose I shouldn't remind you that this weekend is the international fashion sale at the Dome.

Nonny
23 Feb 2009 15:07

McFlurry which is R11,99 on credit??? hahahahhaha ngiyakuvuma Tox, u are an impulsive buyer for sure...........LOL

tracy
23 Feb 2009 15:07

I think I m worse coz I can never leave items on sale I just shop, and regret it after and promise not to do it again but I do it nway when I m all dressed up you would swear that I earn more than everyone at the office. I love clothes thats where most off ma salary goes the only good thing is I managed to get rid of my credit card and I blame banks they always phoning me to get one and i wont get one till I clean up my act.

Dimago
23 Feb 2009 15:08

iu'm scared of credit card debt, it keeps me awake at night.

blueroze
23 Feb 2009 15:08

aowa bagaetsho...and i thought i was the only one.
a re direng BA buyers annonymous...kwa kwa kwa

Sana Lwam
23 Feb 2009 15:13

Toxic do you also buy Streetwise 2 on credit? LOL

Lessie
23 Feb 2009 15:16

My credit card is always in my wallet and am very disciplined. I have got my credit card for so many years now and if I use it this month I pay it in full at the end of the month. I own Edgars card only (it is also meant for emergencies, i.e weding of some sort or my son invited somewhere, LOL). I do not really use it that much. I panic when I have debts. I just can't find a peaceful sleep. Ga ke rate dikoloto, niks!!!

ms.tebby
23 Feb 2009 15:17

LOL

felfel
23 Feb 2009 15:17

Yho sounds hectic gal but i ain't here to judge God knows my habits. Cut that card up and start paying what you owe. Reset ur limit and stick with it.

i dont use my credit card to swipe, i dont even know where the card is, instead when i really need money i just transfer wat i need from Cr.card to my debit card (they are linked) via cellfone banking or internet banking, that way its very unlikely that i'd transfer R20 for a McFlurry, but rather R500 or so for something serious.

Its better to transfer once off cos for everything you swipe on ur credit card you earn interest plus swiping fees.

awelani
23 Feb 2009 15:17

LOL @ SL..

One and Only
23 Feb 2009 15:17

There's a method that I have been using for the past 4 years or so when it comes to finances, it is called 10-10-20-60 rule I am now saying it's gonna work for you or use it. Will share tomorrow.

I only use my credit card as a savings account because of attractive interest that you earn on money saved. Leaving all your cards home is not gonna either. I think it's always best to draw up a monthly budget making sure that you set aside money to spend on yourself.

Rather apply for an overdraft as it is way cheaper than the credit card.

Cody
23 Feb 2009 15:22

okay people, you are hopeless, just opt for selling airtime to your local spaza's then you can take the money and go wild!

felfel
23 Feb 2009 15:24

One thing i dont spend much money on is clothes. I do two major clothes shopping in a year, when YDE has the R75 (now its R90) sale, for winter stock and for summer stock. I go all out ke, otherwise i use my Edgars card to book flights cos interest is much less on edgards card than on credit card.

Discipline is key, i dont have much of it but it is key!!!!

awelani
23 Feb 2009 15:26

LMAO @ cods,, have u been in contact with Ntando N??

blueroze
23 Feb 2009 15:29

10-10-20-60 rule now thats a rule olrite....i bet you are still goin to oconceptualise it the whole night......talk about sleepless nights.......lol

belz
23 Feb 2009 15:29

Yho, im the worst, i think i only have 60 rand available on my credit card, thats just how bad i am, i do pay every month though, and sometimes i pay more, but things just happen and i cant explain it, this year im better though.

awelani
23 Feb 2009 15:30

felfel, tell me abiout the 90.00 sale, ppl go crazy, i got @ the shop around 8;30 and there were only few items left, and the shop opened @ 8..i heard ppl got there @ 6am

awelani
23 Feb 2009 15:33

tjoo belzy, what's ur limit?? i have used my credit card for over yr now, i pay every month mara angicedi,,and i never skip payments..

Toxic
23 Feb 2009 15:39

mjj, PM me as well!

TheLady
23 Feb 2009 15:42

R60 hahaha...hayi am feeling so much belz, anyway I am trying to change-I had 2 credit cards-cut one up...but am not really paying it off:(, the other one I pay religiously. 2 store cards that I need to get rid of...not counting the shopping I do when I am pmsing.

TheLady
23 Feb 2009 15:45

Me too mjj-I need all the help I can get.

belz
23 Feb 2009 15:45

not counting the shopping I do when I am pmsing>>>>LOL!!! i always sit down and give myself countless reasons why i needmy storecard, therefore i will not get rid of it. i have tried to give my frend my storecard once to keep for me, but i always get it from her bag without her knowing, so the only thing to do is just try and discipline myself.

belz
23 Feb 2009 15:47

mjj PM also, not sure if you will help, a lot of people have tried, i think libra, BA and someone else, im jsut a hopeless case.

TheLady
23 Feb 2009 15:50

So blueroze, you are an impulsive buyer-yes you are trying to have it under control, but you still are. This reminds me of 7 de laan...uPaula also asking for help.

ms.tebby
23 Feb 2009 15:55

MJJ rra!

Paralyzer
23 Feb 2009 15:57

Me to mjj! Sho guys, where do i start? My cr card was always manageable but then in da last 6months i bookd 2 flights and it never recoverd. Im at a point where i just stay at home to prevent spending money i dnt hav (4 month of feb, only 2 lines on my cr statement!!). Ive realised that i spent most of my sal servicing debt (i hav a edgars acc which doesnt wana decrease) and im really impulsive and like buying stuff 4 other people! Ive startd my personalised debt counselling and will b short term debt free in 4 months!

Paralyzer
23 Feb 2009 16:03

It felt great cofessing! Im really impulsive when it comes to clothes and gadgets and the amount of money i spent on booze (which has been reduced in the last 2 months) is shocking! The only good thing is that my credit record is excellent bcoz im great with servicing debt!

Cande
23 Feb 2009 16:05

Can articles like these be banned towards moth end?

belz
23 Feb 2009 16:07

LOL!!! Paralyzer, i once bought booze for a certain amount that i will not disclose, when i got home i wanted to cry but thot i will just drink it to ease the pain, it was cash but still it felt bad.

awelani
23 Feb 2009 16:12

Ladies, there's a movie coming out very soon ""CONFESSIONS OF A SHOPAHOLIC",, in think we shud al watch it, lol

Paralyzer
23 Feb 2009 16:12

Kwa kwa kwa belz, that is classic kwa kwa kwa kwa kwa, just by the way when i say booze i include club entrance fee etc. Hawu, why cande, wud it depress u? I wish i cud just sleep 4 2 months and wake up without havin spent a cent! Apparently Tito might reduce rates this week!

pnyembe
23 Feb 2009 16:13

Paralyzer
23 Feb 2009 16:15

Awelani are u gona pay 4 da movie with cr card, these days it's like R50 without refreshments,lol

pnyembe
23 Feb 2009 16:18

Cash Or Nothing at all thats my rule

Paralyzer
23 Feb 2009 16:20

C'mon belz, how much money did u spent on booze???lol

Paralyzer
23 Feb 2009 16:22

Pnyembe, it's really difficult! Most of us are nt that disciplined!

babetm
23 Feb 2009 16:22

i thought i was the only one, i spend most of my money on clothes and i cant stop shopping and the worst thing is im working in town and whenever there is sale or new stock we are the first people to know. im telling u im always broke and this edgars card drives me mad.

Ngqesta
23 Feb 2009 16:40

It's just good to know that I am not alone.

But I think ndiligqolo ( a mizer)....for example most of my Truworths purchases is when they have the Extra 25% off. but still it does not help. I find Woolies is the worst of all...coz I LOOOOOOOOOOOVE their food, and yes mid-month i buy it on my Woolies card. I find it difficult to read magazine articles on impulsive buying, they just hit closer to home.....too close for comfort. The trick I have been trying of late is not to buy something the moment I see it. I see an item....go home.....think about it...then mabe a day or two later if am still thinking about it seriously, then I realise that I really want it. It works to a certain extent.

I don't know girls.....mina I love my clothes...and SHOES! My husband hes given up on me in this regard.

Tshd21
23 Feb 2009 16:46

this year im better though.....

tl tl tl tl lmao, Belz, it''s only February...

belz
23 Feb 2009 16:48

LOL!!! Ngqesta. even if yo go home and think about it, hting is if yo want it vele yo will think about it, one thing that helps me sometimes is hiring dvds and watching movies, so i stay at home and the only moneys i spend is those 20 rands to hire movies, it helps SOMETIMES, but when the urge arrives, i lose the will to fight it and just give in,

Pooky
23 Feb 2009 16:49

Dear Salary,
Please STAY with me this month oyini torho
You left in such a rush last time,
I didn't even have time to appreciate you after waiting for you for 29 days and ; voops in a flash you bailed out on me..........again
What do i got to do to make you stay, to make you wanna be with me
I love you so much and it breaks me whenever we have to part
I need you so much...stay.....just stay will you
If i have wronged you in any way then askies.
Nawe you dont tell me what it is i do wrong that causes you to run like this, you dont communicate with me.
I dream about you all the time and you seem so real in those dreams
I miss and long for you as i write this my love, i can literally smell your unique yet undescribable scent.....can literally feel your touch
Whatever it is that is required of me to make you stay, i'll do
And if it means not spending time with those flirtatious and tempting stores,clubs, restaurants etc then i'll do it...anything to save what we have......to make you stay...forever
We are meant for one another......i love you

Yours in brokeness
Pooks

belz
23 Feb 2009 16:52

LOL!!!!! You always do that to salary, you beg him to come, when he is with you, you just forget aboutthe vows Pooky.
Eish Tshidi, but ke aleka.

Tshd21
23 Feb 2009 16:54

LOL @ Pooky

Anyway, guys, what happened to all the advice dished on Madomado's debt derailed article?? Weren't you taking notes kante???
I think you should look it up Blueroze, some people reali helped with some good advice...

belz
23 Feb 2009 16:56

But Tshidi, thats the thing, we take it and use it for 2 days and forget about it later, its about discipline, and thats what most of us lack!!

Paralyzer
23 Feb 2009 16:57

But ngqesta, my rationalisation wud b, that i cud save petrol money driving to shop again, so might as well buy on da spot! I feel u on Woolies food, tsk tsk tsk

Best-Achiever
23 Feb 2009 17:00

hhayi guys.. i give up ..buying booze and abo McFlurry on credit...tjo

The only debt i can have is for property and car ...that was my rule before i figured out how much traffic camera's love my car...im trying to get that off my back especial after someone told me that i'll be arrested

Best-Achiever
23 Feb 2009 17:01

but i cant have debt for clothes and food ... hhayi ngeke guys

Mafresh
23 Feb 2009 17:19

@One and Only.. i'll be waiting for that 10-10-20-60 rule

@ Felfel: when is the next YDE sale

There is a trend lately of buying everything from Woolies, i will never buy flour,maize,fruit, detegents & crockery ka sekoloto nogal (unless there is this massive March/August sale). I mean u tla utla motho a re"nna ke shopa ko Wollies, Wollies se voet. me I compare prices,especially for croceries and mpa ha e na skoloto, thus i dont do credits mo dijong.

Best-Achiever
23 Feb 2009 17:24

here is my 2 cent advice to all of you who are in debt, it worked for me and it can work for you, im not in anywhere near debts and i'll keep it that way.

1. You real dont need that credit card that you use for entertainment or fashion purposes(that's what i was doing before), and if you can look deep there you'll see that you are spending a lot of money in some things that you eventual get bored with within a month.

2. You real dont have to eat out every weekend, find receip and try something new at home, you'll save yourself a little more(u can spoil yourself maybe once in a month). And you real dont have to go to cinemas everytusday just because its Half price ... rent some movies and invite some friend, honetly you still gonna enjoy it and it will save you some cash.

3. Stop with gadgets, you real dont need that i-pod is you have cd's, phone with that function(music player) and radio or dvd at Home, you can play ur music from your phone, your car or dvd or radio

4. try to make a budget before you hit that road to a shopping mall and stick by it. try to buy in bundles for all things that takes time to expire(that real saves money), you'll see in three months time you'll only need few thing and you'll see the big difference.

5. if you have minimized on something, take that difference and pay off your debts, start by credit cards(interests are two high).

6. you real dont need credit card if you have, a cheque crd with an overdraft facility, just in case of emergency.

7. you real dont have to go buy something from truworths that you can get from identity(they use same designers!). Dont buy things on credit because they are on sale, that wont be sale to you anymore. Buy warm clothes in summer, they r much cheaper than in winter.

8. use lift-clubs for transport if you can, that will save a lot of money in petrol, and if it is not your car it will still asve you a lot of money, lift-clubs are much cheaper than taxis and usually convinient and pack your own lunch to work.

9. Learn to say no to something if you cant afford it!!!!!.

10. Give and it will be given back unto you.

But guys do we have to repeat same thing every year... hhayi phela abanye sebezoboshwa manje lol

tizoz
23 Feb 2009 17:37

Eish cash issues are difficult hey! and credit ones are even worse.... to prove how freakin impulsive I am, Dec I walk into a shop point at a very expensive lounge suite and I tell them I want it.... for my mother of course and yeah she desperately needed an upgrade... the Gomma Gomma's were xtremely tired, springs popping out... yeah i know excuses make me feel beta.... that was my first furniture credit purchase in over 5 years and that is when i realised I am officially in recession, the past couple of months have been difficult hey! and Tito beta keep cutting those rates, I need to breathe before banks start calling for their cash and stay away from bling credit cards they are freakin expensive to maintain - rather have silver than platinum the service fees are two worlds apart....

mjj
23 Feb 2009 17:39

Mgenge i think all of you need my workaround........I'll PM everyone later today....

ps: My workaround does not invilve paying off the credit card, for goodness's sake why would you pay off your credit card if your debts are more than your salary......

I'm not contradicting my earlier statement....I'm paying off one and will be left with one....Lawd what would i do without my first wife (first wife being my credit card).....Don't feel bad guys......we will all pay our credit cards when Tokyo becomes the Minister of Finance.....i hear he is very generous with giving away money and shares.....When you c him, tell him he looks 25 and you Love JZ...i promise he'll give you something.....

Awe when is that movie coming out? We will all use our credit cards to buy the movie ticket and popcorns.....LOL

mjj
23 Feb 2009 17:39

Magenge i think all of you need my workaround........I'll PM everyone later today....

ps: My workaround does not invilve paying off the credit card, for goodness's sake why would you pay off your credit card if your debts are more than your salary......

I'm not contradicting my earlier statement....I'm paying off one and will be left with one....Lawd what would i do without my first wife (first wife being my credit card).....Don't feel bad guys......we will all pay our credit cards when Tokyo becomes the Minister of Finance.....i hear he is very generous with giving away money and shares.....When you c him, tell him he looks 25 and you Love JZ...i promise he'll give you something.....

Awe when is that movie coming out? We will all use our credit cards to buy the movie ticket and popcorns.....LOL

tizoz
23 Feb 2009 17:54

LOL MJJ he is very generous with his private jet as well... I wanda how things are going at Mvelaphanda cause reports are very gloomy, he beta get that job as a finance minister if he wants to survive

Paralyzer
23 Feb 2009 18:01

Kwa kwa kwa kwa kwa @pooky!!But what if ended up using my overdraft and my cr card?!! Luckily bonus and sal increase is around the corner so i wnt hav cr debt which is sad coz i cud used that money on holiday which im goin on in june!

tizoz
23 Feb 2009 18:02

whip out those credit cards and start booking 2010 tickets, and please be modest and buy tickets for R140 not R6300, those are meant for foreigners who can afford them.....

mjj
23 Feb 2009 18:06

Yes Tizoz...we should stick to the R140 price range....

Teeza
23 Feb 2009 19:00

Hayi thyini! zindawoni ezi seats ze R140.00 T&Mj? I am in such turmoil about these tickets. Told my soccer luving tshomis yeeeaaars ago that we shud start a world cup stolvel and now look what good tickets cost, nxa! Credit cards?? Iam a recovering, I carry them and just refuse to take them out. they are strictly for car rental or when mommy dearest decides she wants sumting done at her house. Oopsie, Idols is starting....

Paralyzer
23 Feb 2009 19:03

Yes idols! Problem is my cr doesnt have enough cr for all the tickets i want, another month left!

Foxxy
23 Feb 2009 19:14

Guys, i also need help. Told myself i wasn't gonna spend this weekend because my money is finished and i must wait till pay day(wednesday).

But on friday my cousin phoned me with the good news that my other cousing had passed some exam and is now a CA. Of course we had to celebrate, so went to a 5 star hotel's restaurant and bar. Everyone else had drinks but i had food as well, despite having had supper earlier at home (i reasoned with myself that since i hadn't had lunch at work it was ok).

On saturday i was good.

Then on sunday i woke up bright and early, unassisted by an alarm. I tried hard to resist the Yde R75 sale (usually stand outside the door and partipate in the pushing and shoving that happens when they open the door at 9) but by 11.30 i found myself on the taxi to the mall (reasoning: by buying something cheap now, i'd be saving on something more expensive that i may have bought in the future). Ended up buying some clothes at r90 each. After sponsoring lunch for 2 friends i decided to do a bit of window shopping. I then bought a perfume from stuttafords coz it was on sale.

All this was on my credit card. This morning my friend gave me the number of a financial advisor. I haven't called him yet.

Firstdvd
23 Feb 2009 20:01

mjj...count me in pls! I'll be waiting

mjj
23 Feb 2009 20:39

Foxxy - you and i should be twins.......i never say no when a persons asks me out.....LAWD no wonder i'm this fat.....i love eating out.......

As for buying clothes....hayi ke shame, the last time i bought a clothing item was a tie in October.......

Beyonce
23 Feb 2009 21:05

Mjay... there is no way you two are/can be twins LoL One is Zulu and one is Xhosa

mjj
23 Feb 2009 21:09

lol @ B......when are you taking me out?

Cande
23 Feb 2009 21:15

MJJ you promised to take me out tomorrow evening.

Paralyzer
23 Feb 2009 21:28

It's gettin awkward up in here! Is the YDE sale on in CT as well? Guys im kwa kwa kwa kwa @ malema callin people helen zille's garden boys

Paralyzer
23 Feb 2009 21:30

It's gettin awkward up in here! Is the YDE sale on in CT as well? Guys im kwa kwa kwa kwa @ malema callin people helen zille's garden boys

Beyonce
23 Feb 2009 21:35

@ Mjay- What r you doing this weekend? Im going Motor Bike shopping lol, maybe you can accompany me... then we can pop at McDonalds afterwards :)

Sana Lwam
23 Feb 2009 21:40

Haibo Paralyzer when did juju say that? Didnt watch the news, went to buy a pizza+coke on credit. LOL listen to uSisters telling the cashier: "uyifake ku budget lahv-six months neh"

Brown Shuga
23 Feb 2009 21:52

<<<went to buy a pizza+coke on credit>>> Okay.....

<<<uyifake ku budget lahv-six months neh" >>> Budget?????????

Cande
23 Feb 2009 22:21

It's gettin awkward up in here! Is the YDE sale on in CT as well? Guys im kwa kwa kwa kwa @ malema callin people helen zille's garden boys

Yes there is in Century city

Haibo Paralyzer when did juju say that? Didnt watch the news, went to buy a pizza+coke on credit. LOL listen to uSisters telling the cashier: "uyifake ku budget lahv-six months neh"

WTF??? LMAO!!! eish Kunzima

Paralyzer
23 Feb 2009 22:24

BS, where hav u been, we are in credit anonymous, oh i 4got, LSM 10'S like urself are unaffected, LOL! Juju was challenged to debate by khume ramulifho and he said he is nt goin to, coz he only debate serious political youth formations, nt helen zille's garden boys!hehehe

mjj
23 Feb 2009 22:33

B - i can go with you...mara i don't do Uncle Ronny anymore...maybe Ninos will do.....

Piz i read that on sundaytimes....mara juju is special yazi...this morning i heard him on radio saying Zuma understands SA economy with no master's degree in Economics....he said - SA ecomomy is easy........"put bread on the table and that's SA economy - (these might not be the exact words)....

Cande you didn't vote as per instructions...so no i'm not taking you out....

Kwa kwa kwa kwa kwa kwa kwa kwa @ SANA......I thought you can only budget if its more than R300....eish i have one of those credit cards that have no budgets......everything in on straight.....

Hayi man guys.....the last time i was in a YDE sale was when it was still R50.....so they charge R95 NOW?????

Brown Shuga
23 Feb 2009 22:40

LOL Piz!!! Ask mjj how desperate for cash I am!

Mjj, aren't you in Sun City over the weekend?? I mean, that was the reason why you couldn't go to the other thing wasn't it????????????????

Cande
23 Feb 2009 22:41

and how will you know that i didnt vote?? i voted njena and today am sleeping hubgry because i was promised food and it was never delivered.Please do tomorrow.
Bee i thought you were terrified of bikes.
eish Malema is funny yazi, LOL!!!

Paralyzer
23 Feb 2009 22:43

Juju is such an idziot. If anc loses it will b bcoz of him! How many oscars is sean penn gona get, his like hillary swank! The confessions of the credit card user was great, one cn only hope i learned something!

Paralyzer
23 Feb 2009 22:46

I hope my eyes wnt get guaged out bcoz i called a certain sum1 an idziot! Lol @ BS, what was da lowest of low u did 4 cash??

Cnglemother
23 Feb 2009 22:46

Lol!yo toxy and sanalwam are hectic. have improved bigtime over the yrs considering i work at the mall.the woolies end of the season sale starts on the 3rd.i hav 2 credit cards but they all have breathing space thanx 2 tshidi and her car buying comments,im secretly in a race with her.felfel's weird saving tips have added value in my life(kitchen).blueroze u can do it.

Brown Shuga
23 Feb 2009 22:50

<<<BS, what was da lowest of low u did 4 cash??>>> Sjoe! too embarassing to post on the net! lol

Cnglemother
23 Feb 2009 22:58

i go a bit overboard on MAC makeup stuff but its around Xmas wit bonuses and it lasts me 4 a while.was even thinking of going back to prepaid but its a big adjustment.

mjj
23 Feb 2009 22:59

BS - that's not for this forum, and please check my last few emails sent to you......on one of them, i even said you were making me guilty for going to sun city.......

Anyway.....B - hola at yo boy(i saw this from the idols page...and i know its Touch's phrase)......

Cnglemother - where were you wena? Didn't i told you not to be with the 9ijas today? You missed out on the idols result show.......

Candiz - how can i take you out b4 Christmas???? Don;t you know people don't have money a day b4 Christmas.....

Cande
23 Feb 2009 23:01

mcwim let me sleep..night julle

Paralyzer
23 Feb 2009 23:02

What, u did a 'red carpet' event for an sabc1 show,lol. Maybe we shud all go into politics, i hear there's lots of money in it, and u dnt even need a high school education!

mjj
23 Feb 2009 23:03

didn't i tell you......eish my zinglish is hectic today.......

Cnglemother
23 Feb 2009 23:09

Mjj i had transport problems babes.all my transport ministers were unavailable to pick me up.

mjj
23 Feb 2009 23:12

what? i thought all 9ijas have cars....in fact all my 9ija friends have cars.....lol

Paralyzer
23 Feb 2009 23:12

He he he. Guys plz watch isidee nxt month, nan is gona figh thandi 4 parsons,lol!

Cnglemother
23 Feb 2009 23:25

Eish i dont do soapies piz.george lopez is doing sum standup on mnet.chris rock rocked 2 wks back

Cnglemother
23 Feb 2009 23:28

Gudnyt pipo.dont 4get survivor allstars 2moro.

blueroze
24 Feb 2009 08:11

Can articles like these be banned towards moth end? no girl, it is a startting point for everyone, there's an impulsive buyer in everyone of us. the most important thing is to keep the impulsive buyer in you leashed (sp?????)

awe, that movie made me ask myself this q before even watching it. lol

I think you should look it up Blueroze...thanks Tshd i will

BA thank you for all the sisterly advice.

guys i make this vow......i will clear my credit card debt....and i will give you feedback.
this is the only debt i have (well except study loans which i am paying a consistent amoount) and i dont do store cards.

When you c him, tell him he looks 25 and you Love JZ...i promise he'll give you something..... re tla be re nna di- glorified beggars mos mjj....still waiting for that PM

Foxxy-sorry girl but you need serious intervention.....haai no I am still an amature, most of you guys are legends I dont want to look up to....

<<<uyifake ku budget lahv-six months neh" >>>LMSexyBlackAO

Piz i read that on sundaytimes....mara juju is special yazi...this morning i heard him on radio saying Zuma understands SA economy with no master's degree in Economics....he said - SA ecomomy is easy........"put bread on the table and that's SA economy wena mjj you always make me LMAO, this is too much

everyone....thank you all your advices are noted.

CHANGE IS COMING!!
YES WE CAN YES WE CAN.............

Cande
24 Feb 2009 08:20

ooh Yes Blueroze, Phanzi ka go jewa ke dibanka PHANZI

.

dali
24 Feb 2009 08:22

there's an impulsive buyer in everyone of us............. true dat!

TheLady
24 Feb 2009 08:31

I've asked a friend to give me a weekly allowance from my salary-and than change it to every 2 weeks, and then finally monthly-when I have fully recovered I'll handle all my financial business. And I have to say what I bought and why...hmmm-tat's difficult-but hey where there's a will there's a way.

belz
24 Feb 2009 08:42

LOL!!! TL. And I have to say what I bought and why>> the benefits for working so hard are that you dont have to explain your spending to anyone. thts a big step TL, im very far from that.

zolx
24 Feb 2009 09:32

i cut up and paid off all my store cards (2 - edgars and foschinis) and recently i've had the need to open a woolies account - for my kiddies. Their clothes are so cute maan bt my man talked some sense into me. The only big debts i have is the personal loan and credit card. A few months back (3) i had almost paid off my credit card - think i was only R2000 in the red but i messed it up again and that's now how much is left on the damn thing. i want to cut it up but i know i'll need it again and it really comes in handy when a sister is broke. with so much debt i dont know how i can buy a car...i also need help.

Is there a link to this article: Madomado's debt derailed article

Toxic
24 Feb 2009 09:35

LOL at some stuff written up there.

monchooza
24 Feb 2009 09:48

when does the YDE sale ends?????????????

felfel
24 Feb 2009 10:10

The YDE sale started on the 22 and ends on the 24 th (oops thats today)...LOL,

Its a bi-annual sale, now they're getting rid of summer stock , next one is around September to get rid of Winter stock, thats when i shop for clothes.

I dont go to movies, i have a supplier for that, i got about 60 movies in my laptop, most are recent. I also look out for the free previews from SterKinekor, there's one for the movie "Confessions of a Shopaholic" on the 2nd March, courtesy of Cosmo mag, you get free popcorn & coke (double ticket) too. I'll go again when there's another free one.

I dont like buying food at the mall unless i'm out for dinner or lunch with friends, i just go to Checkers and take the R60 i was gonna buy a pizza with, i buy a tray of wings/drumsticks, buy fruit, 2litre coke, french roll, some sweets, go home and enjoy my feast watching a movie on my laptop.

Cody
24 Feb 2009 10:24

Felfel, can i be your friend, so you can hook me up with your supplier as well. tl tl tl

shame im hopeless when it comes to debt, i dont even watch oprah when suzie ozzman is there. hai....... :-(

felfel
24 Feb 2009 10:26

Cody the supplier is my man, can't hook you up with him!!! lol

Cody
24 Feb 2009 10:35

your man,oops! ke bampile he!

Cande
24 Feb 2009 10:52

Gaad i looove take aways, i cant wait for tomorrow to take myself out..maybe i should start applying Felfel's theory of using R60 for more important stuff than pizza

myname
24 Feb 2009 11:05

Last year 'article helped me a lot but im still paying my Edgars account. Maar its painful shame.

I used to buy somethings & within a month i'll b giving away or seyindi bora. But now i think i've grown up. I dont do that buying whatever coz im gonna get my money at month end. I plan what im gonna buy & i stick with it.

And my aim this year is to stay debtless & come Dec i will jumping up & down...Oh by the way i also get enough sleep LOL.

blueroze
24 Feb 2009 11:12

kante wena Cande bothata bo mo kae ka gore you have not said if you have a credit card issue or debts?
i thought everything is in tact with you.

felfel
24 Feb 2009 11:17

Cande try it, it really works for me, takeaways are expensive. Yesterday i was really craving fast food, i took out a tray of chicken, spiced it nicely added some aromat and grilled with some McCain chips also and enjoyed with a green salad, i have two pieces from that for lunch, and two pieces left for tonights supper, no money spent at all. I also make my own pizza and hot wings, too yummy. Thats frugality right there!!!!!! LOL

Cande
24 Feb 2009 11:21

Blueroze, LOL!!!
i have debts like everyone else and i dont want to think about them. i closed a store account last year March n opened it again in October.
I opened a credit card last year because i needed registration money with Unisa beggining of last year, and i didnt register but i used it for other things and since then i havent been able to settle it. The monthl interests are too much.
I think i should consider what One & Only said about using an Overdraft instead of a credit card because the interests are lesser..
There is nsfas loan that never ends, EISH!!!
My mother always tells me its NOT easy to live without debts, as long as i manage them.So i manage my debts but closing anything @ the moment seem impossible.

belz
24 Feb 2009 11:28

i closed a store account last year March n opened it again in October. >>>>LOL!!!

Cande
24 Feb 2009 11:38

Felfel but the only difference is i cant cook nice food, so i could never pull a decent meal

felfel
24 Feb 2009 12:07

Yhoo haike buy shares at Chicken Licken Cande .....lol

blueroze
24 Feb 2009 12:50

There is nsfas loan that never ends, EISH!!! echoed...esp when you were studying in these expensive varsities...nxa!

i closed a store account last year March n opened it again in October wa e baka ngwanyana. o ne o ya ko kae? i bet it was for clothes to a one day party.
things we do for attention.....and you end up unnoticed and in deeper truworths debt....nc nc nc nc nc nc

Cande
24 Feb 2009 13:07

No man its an Edgars account, i didnt like my Mr Price clothes anymore and ended up going back to Edgars..LOL!

Mafresh
24 Feb 2009 17:01

....the only difference is i cant cook nice food.....
Cande babes, i didnt either until i discovered food24.com. Now i'm a pro chef. This new habit of mine has helped a lot, i avoid going out which = money saving by cooking/baking

Mafresh
24 Feb 2009 17:08

Lately i've tried 2 b a good girl, haai maar i think i'll spend only a thousand randanyana sama felelo ko IFS. I simply cant resist this one.

Cande
24 Feb 2009 17:27

Hey Mafresh, am @ food24.com now, thanx lovie for the referral

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