Payday treats

sunnyside

Do people treat themselves to something on pay-day? (or dole day as the case may be!)

Right now I'm really poor (Mortgage, household bills) and I'm already planning what I'll buy on payday.

I tend to go out for a nice lunch on payday and I almost always go to Boots and pick up any cosmetics I need/want/like. I'll buy magazines, pick up the coffee bill if I'm meeting someone, I'll buy clothes without worrying too much about the price. I always tend to splash out a bit when I've been paid. Most of the things I buy are planned purchases not impulse buys, it's just that I get them all as soon as the money comes.

Then by the end of the month I'm buying Tesco Value items.

I know this isn't great budgeting but the bills are all paid. I don't smoke and rarely drink so this is my only extravagance but I probably shouldn't do it at all as money is tight. I just can't help myself. Anyone else the same? What are your payday treats?

shellyboo

I always treat myself when I get paid! Buy a couple of things I had my eye on, generally get a takeaway for dinner, that sort of thing...

This is entirely the reason that I never have any money coming up to the end of the month.

sunnyside

That's exactly the sort of thing I mean, calling for a takeaway and not worrying about the cost. For 3-4 days after payday I behave like that, it's the only time I don't worry about money. But because I'm eating Tesco value food now I probably shouldn't be splashing out at all! But on payday I wouldn't think of buying the Tesco value items---if I did I wouldn't be so poor at the end of the month.

shellyboo

YES! I'm exactly the same. I swan about the place getting taxis and going for lunches and drinks and meals out etc etc... then like a week after payday I'm all "oops... must check bank balance".

Very, very, very bad habit!

minidazzler

Shelly, it´s not that bad of a habit if you think of it, do you have fun with the money you spend first? What use is the money to you if you are going to save and do everything reasonably, might as well spend and then worry.

I take the George Best method, I spend all my money on Booze, fast cars and faster women, the rest I squander.

I am a tesco value food lover though, I don´t see the point in paying 1.5 times the price for basically the same thing.

Heisenberg.

This post has been deleted.

shivvyban

I get the strawberry body butter from the body shop - its only €20 but in time of recession, blah blah blah - it smells SOOOOOOOO good and people are always asking me where I got my perfume from when I wear it!

sunnyside

minidazzler wrote: »

it´s not that bad of a habit if you think of it, do you have fun with the money you spend first? What use is the money to you if you are going to save and do everything reasonably, might as well spend and then worry.
.

Because of the "current economic climate", we could all loose our jobs. Having less than €10 in your purse until you get paid again isn't any fun ever. I'll stop now, this isn't meant to be a serious in-depth analysis of our finances!

Despite the reasons not to people like me and Shelly still treat ourselves celtic tiger style on payday even though we aren't exactly rich. Awaiting more sensible person to post and inspire us:)

Will

Usually get myself a nice coffee in town. Lately I saved up and ordered a jade lip piece. That's my nice thing for the next few months.

sunnyside

shivvyban wrote: »

I get the strawberry body butter from the body shop - its only €20

Perfect example of why I've been thinking this is strange. (Not you shivvy:))The "it's only €20" line is one I'm very familiar with. "Only €20" for cosmetics/ticket/etc and now I have less than €20 left to buy food with until payday on Friday BUT that still won't stop me from buying the next thing that's "only €20".

Novella

Last week I actually didn't eat for three days straight 'cause my bank account was overdrawn to it's limit and pay day was on Friday. This always happens to me. I go mad the first week, buying clothes, parking my car in town instead of getting the bus etc. By week four I'm sitting in my apartment wondering if it's ok to eat ketchup for dinner. :pac:

cuckoo

When a bit of cash comes in I buy a planned purchase for my home - maybe some nice new towels. Sounds boring, but I get to use them daily and good quality (ie pricey) towels last a lot longer than Dunnes ones.

It's like Shivvyban and her body butter - I'm now more focused on treats that i can get a lot of use out of. I'll still throw away a bit of money on take aways and the like sometimes, but not as much as I used to.

There's the recession for you Ladies Lounge style, Shivvyban smelling of strawberries and me carefully folding my nice towels.

shellyboo

minidazzler wrote: »

Shelly, it´s not that bad of a habit if you think of it, do you have fun with the money you spend first? What use is the money to you if you are going to save and do everything reasonably, might as well spend and then worry.

I take the George Best method, I spend all my money on Booze, fast cars and faster women, the rest I squander.

I am a tesco value food lover though, I don´t see the point in paying 1.5 times the price for basically the same thing.

I DO enjoy it, thoroughly! But it's not so much fun later in the month when I have to skip meals/go grovelling for an advance/look down the back of the sofa for bus change/turn down plans with friends...

I'm so HAPPY other people are like this too, makes me feel much better I really wish I was better with money though, it's something in my life I feel very out of control of. I've no savings, and if I need something new or want to do something special, it buggers me for the rest of the month.

One thing I can say is that I don't have a credit card - so at least I'm not racking up debt the whole time. The money that I'm spending is my own!

SeekUp

sunnyside wrote: »

Because of the "current economic climate", we could all loose our jobs. Having less than €10 in your purse until you get paid again isn't any fun ever. I'll stop now, this isn't meant to be a serious in-depth analysis of our finances!

Despite the reasons not to people like me and Shelly still treat ourselves celtic tiger style on payday even though we aren't exactly rich. Awaiting more sensible person to post and inspire us:)

More sensible person here!

No, not having money isn't fun. I've always been a saver, so when I need money for something, or want to take a trip somewhere, or have to splurge on a massage so I don't kill someone, I can. I'd much rather not have to worry than to have some nice clothes in my closet and constantly checking my bank balance.

Anyway, back OT, I don't really have a pay day treat . . . but when I'm feeling that I need a little pick me up, I get a chocolate bar. Maybe I'll order in dinner. I love going to get facials/massages, but that almost never happens . . . although I am thinking of getting pampered once per season.

shivvyban

Here's my payday/birthday (its in a week and a half) treat!

sunnyside

Novella wrote: »

Last week I actually didn't eat for three days straight 'cause my bank account was overdrawn to it's limit and pay day was on Friday. This always happens to me.

:eek:Why do we do this to ourselves? Tesco Value digestive biscuits cost something like €0.40. Please don't starve yourself. If you can find €1/2 in loose change you'll get something (unhealthy) to eat in Tesco.

Scien wrote: »

8 Heineken instead of 8 Bavaria....

Will wrote: »

Usually get myself a nice coffee in town. Lately I saved up and ordered a jade lip piece. That's my nice thing for the next few months.

Is this bad with money syndrome a female thing. Scien--I don't know if you're male of female, but buying the more expensive beer isn't so bad that that you can't eat until payday.

Will buys a nice coffee on payday, the new lip piece was obviously a planned purchase which was ordered on payday. Women seem to require a few coffees a week and nice things don't keep us happy for a few months. We need more nice things next payday:(

shellyboo

Girls, I'm warning you now... don't, for the love of god, go into the "how much do u save" thread. Spare yourselves.

Crysies.

Novella

sunnyside wrote: »

:eek:Why do we do this to ourselves? Tesco Value digestive biscuits cost something like €0.40. Please don't starve yourself. If you can find €1/2 in loose change you'll get something (unhealthy) to eat in Tesco.

Oh, trust me, I turned my room upside down and inside out looking for loose change for food haha. I was grand, I found a packet of Skittles on day 3!
Don't worry, I am not in the habit of starving myself at all at all! That's never happened to me before, I usually have about a fiver left in my account on pay day but I was in New York last month so went spending mad!!!

Novella

shellyboo wrote: »

Girls, I'm warning you now... don't, for the love of god, go into the "how much do u save" thread. Spare yourselves.

Crysies.

I would basically die for the jobs of these people who are saving over 500 euro a month!! I'm so jealous

Will

nah im awful with money, even though i planned to buy the expensive lip piece im still broke haha

shellyboo

Novella wrote: »

I would basically die for the jobs of these people who are saving over 500 euro a month!! I'm so jealous

I just have this awful feeling they're people who earn the same amount of money as me, and I'm just awful with money!

Jessibelle

Books. I get paid monthly and five minutes after it goes into the account I'm in the bookshop buying books/dvds on the 3 for 2. I could open a large library at this stage...

shivvyban

shellyboo wrote: »

Girls, I'm warning you now... don't, for the love of god, go into the "how much do u save" thread. Spare yourselves.

Crysies.

I feel quite ill...... €800 - €1000 A MONTH! Thats how much I'd plan to save in a year!

Novella

shellyboo wrote: »

I just have this awful feeling they're people who earn the same amount of money as me, and I'm just awful with money!

Tell me about it! I've only just started working full time and the money isn't bad at all but I never have a few hundred euro to just stick in a bank account and leave it sitting there!

shivvyban wrote: »

I feel quite ill...... €800 - €1000 A MONTH! Thats how much I'd plan to save in a year!

I don't even save that in a year so imagine how I feel! I put a hundred euro in the post office when I made my confirmation (9 years ago!!!) and that is the only savings I have to my name!

Saucey-Susie

im a bit of both. yeah i have a set about i save each month, that i dont touch, even if im poor and have nothing, id rather do without it than touch my savings, but i do treat myself on payday.

if its bringing me and my boyfriend out for dinner, getting some clothes, make up, a handbag....nothing too mental as im trying to save as much as i can for a deposit at the mo

lala stone

sunnyside wrote: »

Do people treat themselves to something on pay-day? (or dole day as the case may be!)

Right now I'm really poor (Mortgage, household bills) and I'm already planning what I'll buy on payday.

I tend to go out for a nice lunch on payday and I almost always go to Boots and pick up any cosmetics I need/want/like. I'll buy magazines, pick up the coffee bill if I'm meeting someone, I'll buy clothes without worrying too much about the price. I always tend to splash out a bit when I've been paid. Most of the things I buy are planned purchases not impulse buys, it's just that I get them all as soon as the money comes.

Then by the end of the month I'm buying Tesco Value items.

I know this isn't great budgeting but the bills are all paid. I don't smoke and rarely drink so this is my only extravagance but I probably shouldn't do it at all as money is tight. I just can't help myself. Anyone else the same? What are your payday treats?

+1 getting paid this week! have already spotted a few treats!
But ya always magazines , cabs, takeaways, make up an similar sh!te.. then hand to mouth for the rest of the month!!!

Malari

I treat myself but don't always wait till payday to do it! What's left-over gets saved, on top of the cash that gets whisked away into a "you-can't-touch" account automatically. So I usually end up treating myself BEFORE payday with what I have left after savings

I'd go out for dinner once a week, or get a nice bottle of wine, or buy a dress or something I've had my eye on. And with the savings I go on a great holiday once a year where I'm not staying in a bargain basement hotel.

MissFlitworth

I'm trying (pretty unsuccessfully) to wean myself away from the payday treats thing, since I started getting paid monthly I see what's in my account and go 'I'm RICH!!! RICH I TELLS YA' because when I was in school then a student and living at home the amount of money I get every month would have seemed like a fortune. Everything seems like a fortune when you've no expenses bar the occasional westcoast cooler and bright blue eyeshadow

I love picking up something nice for myself when I get paid, the only problem is it tends to bleed into the whole weekend/week after I get money so it goes Splurge - Horrible Shock on Checking Bank Account- 2 weeks of being verrrry careful - One week of putting bags of carrots onto credit card and eating 5 carrot based dinners because stoney stoney broke. This month I want to go to Ikea when I get paid and then to a fleamarket on the Sunday and then to buy a shedload of books and series 2 of Madmen. Think I'm going to have to be mean to myself and pick between Ikea (new plates! sheets! meatballs) and the fleamarket (shiny!)

lala stone

Malari wrote: »

I treat myself but don't always wait till payday to do it! What's left-over gets saved, on top of the cash that gets whisked away into a "you-can't-touch" account automatically. So I usually end up treating myself BEFORE payday with what I have left after savings

so you have a savings and a "you-can't-touch" account?! How?!:)

Malari

lala stone wrote: »

so you have a savings and a "you-can't-touch" account?! How?!:)

Yep! The YCT account is a standing order, I hardly notice it going at this stage. The savings is something I can top up with whatever I can. I need to be able to get at that though...running away money. Just in case.:eek:

mental07

I used to get paid fortnightly; every second Friday I'd treat myself to some yummy M&S food. Mmmmm, so good.

I don't really do payday treats anymore! Perhaps it is a tradition I should resurrect...

Hamiltonion

As a poor student who gets paid weekly

Monday I'M RICH!!! Marlboro red, expensive coffee, pub

Tuesday Marlboro Red, expensive coffee

Weds Drum tobacco, no coffee, go out with e20 in my pocket, generally involves smuggling in a naggin

Thurs Tesco value food, no coffee/beer, last few euros go on tobacco

Fri Whatever food is left over, make tobacco strettttch

Sat Go home to mammy, all is well

Sun I'm RICH!!!!!

Novella

I love a good old Penney's raid on pay day too! I know it's a cheap shop but there's something lovely about getting yourself a basket and filling it up with loads of new things and not worrying about how much it will come to when you get to the till!

Blush_01

Had to buy myself a new watch and a bra last weekend (on the credit card) as the old version of the former was irreparably broken (according to the jewellers) and the latter finally arrived from the states, so no personal treats this month.

Payday today, I spent about €50 on christmas presents, and €20 in the supermarket, then treated myself to a lovely home-cooked dinner. Only have about €9 in my wallet as I never carry cash, but I'm already half way through the week... looking on the positive side??

SeekUp

Blush_01 wrote: »

Payday today, I spent about €50 on christmas presents, and €20 in the supermarket, then treated myself to a lovely home-cooked dinner.

Christmas presents?!? Well aren't you ahead of the game!!!

Cookie Jar

Usually clothes!! (hard to resist working in a clothes shop)
This month I'm treating my self to a new tattoo

Novella

Cookie Jar wrote: »

Usually clothes!! (hard to resist working in a clothes shop)
This month I'm treating my self to a new tattoo

Oooooh, what of?!

Blush_01

SeekUp wrote: »

Christmas presents?!? Well aren't you ahead of the game!!!

Little sister's 21st is Christmas day. If I don't start now, everyone shares a box of tesco value christmas crackers for Christmas.

Have a fair idea of what I'm getting for her, but everyone else is still a mystery. Was knitting my mother a cardi last christmas and never got past the sleeves - I think that'll probably be on the cards for this christmas.

Better start making my lists now actually. That's probably going to be the payday treats for the next 4 months!

Personally, I'd love if they'd get together and buy me an Alan Ardiff necklace (I especially like the Dream Machine) but that'll never happen.

chocgirl

Get paid every second week and always do the same thing.

I don't bother going home but go for a nice coffee with something nice after work before going shopping. Usually rope in a friend but I'm happy to go on my own either. Don't necessarily spend much but usually buy something.

If I'm in a really good mood I drop into my Mum on the way home and bring her flowers and give my little brother a few quid.

Cookie Jar

Novella wrote: »

Oooooh, what of?!

Its all exciting!!
Couple of flowers and designs around them! On the bottom of my leg!

Novella

Cookie Jar wrote: »

Its all exciting!!
Couple of flowers and designs around them! On the bottom of my leg!

Sounds lovely! That's a great pay day treat. I'm jealous, I have been trying to get a tattoo for ages now but never have the money or get put off by other things..... the sound!

Cookie Jar

Novella wrote: »

Sounds lovely! That's a great pay day treat. I'm jealous, I have been trying to get a tattoo for ages now but never have the money or get put off by other things..... the sound!

Thanks!! Yeah I needed cheerin up and I had just got paid!!
My friend had a good idea!

Wild cat do a gift voucher card, she said every week pop 20yoyos on it.. then in a few weeks enough for a tattoo!!

Novella

Cookie Jar wrote: »

Thanks!! Yeah I needed cheerin up and I had just got paid!!
My friend had a good idea!

Wild cat do a gift voucher card, she said every week pop 20yoyos on it.. then in a few weeks enough for a tattoo!!

That's actually a really good idea!

Cookie Jar

Novella wrote: »

That's actually a really good idea!

Yeah I taught so too. Will defo put this into practice next time

Khannie

My pay day treats are terribly boring generally.....fancy coffee beans and protein supplements and / or some other fighting related product (like gloves, or fancy wraps or something).

This month: A projector! WOOOOOOOOOOOOOOOOOOOOOOOOOOOO!

SeekUp

Blush_01 wrote: »

Little sister's 21st is Christmas day. If I don't start now, everyone shares a box of tesco value christmas crackers for Christmas.

Have a fair idea of what I'm getting for her, but everyone else is still a mystery. Was knitting my mother a cardi last christmas and never got past the sleeves - I think that'll probably be on the cards for this christmas.

Aw, you just reminded me that I wanted to knit a bunch of gifts this year. Dammit, better get started!!

Khannie wrote: »

My pay day treats are terribly boring generally.....fancy coffee beans and protein supplements and / or some other fighting related product (like gloves, or fancy wraps or something).

Hey, ain't nothing boring about fancy coffee beans . . .

Malari

This thread is having the opposite effect on me, as the "savings" thread is having on other people!

I've realised, hell I deserve a treat every now and then...now what can I get me today??? (it happens to be payday )

shellyboo

Malari wrote: »

This thread is having the opposite effect on me, as the "savings" thread is having on other people!

I've realised, hell I deserve a treat every now and then...now what can I get me today??? (it happens to be payday )

Mwahahahahhaa.

Welcome to the dark side.

shivvyban

Avoid ebay!!

shellyboo

Yeah, the only thing saving me from a life of eternal bankruptcy is the fact that I do not own a credit card. I have vowed never to get one.

Malari

shellyboo wrote: »

Yeah, the only thing saving me from a life of eternal bankruptcy is the fact that I do not own a credit card. I have vowed never to get one.

Please don't take this the wrong way, Shellyboo, but I was quite surprised that you weren't a careful little hoarder You just seem so sort of...sensible and pragmatic from most of your posts. Please note, these traits are NOT mutually exclusive from being fun-loving and enjoying life!!