Thursday, 9 June 2011

More money, More problems...... and a no shopping challenge!!

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(This week's 30 days of truth posts have a 'money' theme. Please read the previous post Cents and Sensibility here)


I will not tell a lie. I LOVE shopping. I enjoy fashion and although I do not necessarily have to keep up with the latest styles or trends, I enjoy being stylish. There are so many pretty things in the world. And as you all may have realised I have a penchant for filofaxes and handbags. I do not consider myself to be wealthy. But I have a good job and I earn a very reasonable wage for what I do. It is nowhere near to what the media implies that doctors earn, especially as I am still doing specialist training. But I can afford to pay all of my bills and I have a supportive husband who does not smoke, gamble or drink. Fortunately for me he also does not have an eye for 'the ladies' so our finances are in good order. We can even afford to give to charity. To be honest, I know that I am very lucky indeed. I have good friends, wonderful family, a good career and a husband I love. But lately I have been asking myself, "Is it really necessary for me to buy more stuff?'  


Now don't get me wrong. I will never ever be a minimalist. Although I may admire minimalist interiors, I need my house to feel homely, to wrap me up in its warm embrace after a hard day's work and a ridiculous commute. While I have advocated getting rid of clutter, and keeping things organised, I know that I will never be one of those people who can survive happily with a backpack and five items. I have never attended a festival because I am unable to 'rough it'. No showers? Communal toilets? Really? I think not. So as you can see I am not only a princess just in name. But I used to be able to live quite happily on much less. I have an eye for a bargain and for cheap (but not too cheap) chic. As my earnings have increased, I have started spending more. I have also started to obsess about designer items, in particularly that falafelling Mulberry Bayswater handbag. And I was not raised like this. My mum owns NO designer items and looks stunning at age 67. She and my dad sacrificed a lot to look after their six children. So I have decided that I need a 'time out'. I need to take a break from the spend, spend, spend and re-focus on enjoying all of the lovely things that I already own. I know that money, and material things do not bring happiness (studies have already shown that). I need to prove to myself that I am in fact NOT trying to 'Keep up with Joneses', whoever or wherever they may be. And I need to be thankful for all that I already own. 


So lovelies here is the official royal declaration of my no shopping challenge.


'From Friday 1st July to Wednesday 30th November 2011, I Caribbean Princess, will not make extraneous and unnecessary purchases, particularly of handbags and filofaxes.'


 And continued here.
 'I will appreciate the things that I already own and remind myself that there are many people in the world who are not as fortunate as I am. Material things do not bring happiness.'


There are some exceptions which I will list now.

Gifts for friends and family. Several of my friends are pregnant and I want to be able to get nice gifts for their little ones. I also like to get Christmas presents for my family throughout the year as I cannot stand the Christmas rush.

Scrapbooking kits. I will not order any new ones until I have used all of my kits. However my stash is running low so I plan on getting some more embellishments this weekend, well before the ban.

Driving lessons. My Trinidadian license expired last year and I didn't realise until I went back home in March. Before I can drive in the UK I need to sit their driving test and since I have not driven since I came here I will need lessons. Is it lame that I only knew how to drive an automatic car? And DH doesn't trust my abilities as I was unable to remember which was the brake and which was the accelerator! Sad, but oh so true!

Holiday. I have 5 days off in July and plan to have a couple more weeks in summer. I will be allowed to purchase my airfare or railfare although as usual I will look for the best deals on that and accommodaton.


Wedding. My best friend is getting married in October and I have no suitable autumn dresses. I will try to use my silver wedding shoes so I will look for an outfit that matches.


Hairdresser. I negotiated that this would come out of our joint account years' ago as it is in the best interest of DH and myself that I do not frighten people with my large afro so this is not an issue (also braids are more convenient and I don't want to use chemicals on my hair). Trust me this is for public good!

Ok so as you can see although I am going 'cold turkey' it actually shouldn't be too bad as there is still so much for me to look forward to and enjoy. Also at the end I may end up getting that dream Mulberry bag as a gift, but there is a good chance that I may decide that I can happily live without it.


So lovelies, who wants to join me? There has been a lot of chat on twitter although no one should feel pressured to join. We will not judge each other. The aim is to be supportive. Also you are free to set yourself whatever challenge you want. It can be shoes, it can be books, anything. We can even use our own hashtag #noshop on Twitter. Please post a comment if you want to join or to simply share what you think of this post. It would also be great if you stated what your particular challenge is going to be and its duration.


That's it for me now. I would love it if you shared this post with friends and family. Have a great day!

Update  9/6/11 11:00- Imy has kindly volunteered to start and administer a facebook group. So lovelies WHAT SHALL WE CALL IT?
  • The Shopping Detox for yummies.....
  • CP's No Spend Challenge? 

I am bad at naming so help me out and post in the comments. I am even more excited now! Yay and thanks Imy and Roanne for the idea :-)


There is so much interest in this on twitter etc that I will dedicate another post before July to a formal launch when the page and everything has been sorted out. I am so excited to have you all supporting me and we can support each other. 

Recommended reads
  • Gala Darling. Mo' money, Mo' problems, part one, two and three.
  • A quick money healthcheck was launched in the UK yesterday. You can check it out here

35 comments:

Roanne said...

I keep thinking we should do a Facebook group, because you know I am in! But maybe the Twitter support is enough. I'm over-the-top obsessive; I'm afraid if I join an actual group, I may never buy anything again!

And I agree about certain services ... Hair salons are important, some restos, the occasional coffee ... stuff within reason. We are already giving up a lot, so little tiny treats like a cuppa from Starbucks will go a long way to keep me from feeling deprived. (and bonus! ATM I have coupons for a bunch of freebie cups of plain brewed java, so for awhile it won't cost me anything out of pocket...)
I'm so glad we're doing this together! We that are addicted to filos and bags and shoes need extra support!

Jorinde Berben said...

What a great idea! I'm moving sometime between August and November, and will vouch not to buy anything that I don't need before that! (After, we'll have to buy some household stuff, but that's it!)

I love being able to save money and am going to take a stab at converting my old clothes into something new as well. Should be fun!

caribbean princess said...

Roanne feel free to set up a facebook group. But blogging itself is so much work I won't be able to administrate it :-(

I know that during this time I will be more creative with what I already own and appreciate my things more. I am already planning how to mix and match.

I went ahead and spent my 'treat' money for June so that I could really go cold turkey from July.

I am actually quite excited by this challenge!

caribbean princess said...

Jorinde thanks for your support too. I would love if you were able to guest post on how you plan to save money or convert your old clothes to new stuff. Or both! let me know if you would like to do this :-)

Imy said...

Hello :-)

Now i have read about the not spending thing, i feel a little less confused (as it was about hair and stuff, and the scrap booking is kind of like projects, so thats cool)

Do you want me to set up a Facebook group, message me the details like a name etc you want it to be called and i will do it!

Oh and im going to start on the 12 July until 31 August!(but im going to allow myself to buy some clothes, as i never buy clothes and have no summer outfits, its more going to be aimed and silly spending on food i dont need etc.....)

YAY!!!!!

I love your blog so much CP always makes me feel happy :-) no matter what the subject!!! xxx

caribbean princess said...

Imy thanks so much. It is a great idea. I have added your proposal about the facebook group to the main body of the blog post. I am bad at naming so shall wait for suggestions on the naming.

yay!

Imy said...

Thats ok :-)

urmm what about

CP Spending Detox Challenge?

bit of both lol

:-) im so excited, ive made a section in my Flex to track anything i do buy (i.e necessities) etc... yay xx

Angeliki said...

One of my many new year resolutions was not to buy anything unnecessary. I made a pretty clear list of which things I'm allowed to buy and which things I'm not.

And guess what happened! Because I'm allowed to buy toiletries, vitamins and make-up products, all the money I save from not buying dresses, I spend on Boots. I guess I replaced one addiction with another :( I need to devise my lists and I'll join you on twitter!

What a great challenge :)

caribbean princess said...

Angeliki that is what happened to me. I stopped buying filofaxes and replaced with handbags which are even more expensive. I am getting so much interest in this that I will do a formal launch in other post before july.

this will be so much fun. yay!

Femke said...

One of my mission 101 missions is not to shop for a month or to use my credit card for a month. So I'm in, for at least a month, and i'll see how it goes!

Steve said...

I think your posts are a great incentive for a lot of people. With wage rises in the public sector now officially at 0% increase, yet inflation still rising, particularly the cost of fuel and food still rising. We will all need to watch our spending.

Until I retired and moved to France I didn't honestly notice the cost of things increasing in the shops. Now I'm a regular supermarket shopper I've certainly noticed some items increasing in the last year.

The other point I wanted to make is, never be afraid of saying. I'm sorry but I can't afford to do x or attend y event. It's hard turning things down I know but sometimes you have to step back and look at the total cost of something and then think. If I had that amount of money to spend. What would I spend it on? I've had to do that recently myself. It wasn't easy. But everyone accepted my reasons without question.

Personally I'm on a very long term saving money campaign, living off of investments and doing as little paid work as possible for at least the next 8 years.

This last year has been quite an expensive one, but all within our set budget. Now it is time to ease back a bit on the spending, but still be comfortable and not get too carried away.

Good luck to everyone stepping up to the challenge.

caribbean princess said...

Femke it is great that you can join in! It is quite flexible :-)

Steve that is good advice to be upfront and say when you cannot attend something. Everyone in the NHS is on a cost of living pay freeze. They wanted to freeze our increments too but no moe talk on that more recently. Even DH has mentioned how much car insurance has gone up by in a year. And rail, and food, and petrol, and everything! I am quite excited by the challenge to make use of what I already have.

Savannah said...

"All right, Pooh. Why the boxes of shoes in the closet? "I couldn't help myself," said Pooh. "How's that? "Well, first there was the card for Mister Pooh Bear. Then when I got to the store, just for a look.." "Yes?" "The salesman was so nice to me...He made me feel Important." "Pooh, you didn't need those shoes.", I said. I'll take them back," said Pooh. "That's better." "Lots of other people will be taking things back, too, I suppose." "What?" "I saw lots of people there buying things they didn't really need. All over the store.....A lot of people try to buy Happiness and Importance in the same sort of way. But you can be happy and important without doing that, you know." "So can they," said Pooh. Benjamin Hoff

A little humor to help us on our journey. I admit I struggle from overconsumption myself. So much time and energy wasted that could be used to enjoy the sunset and the simple gifts we already have. Good luck to everyone taking the challenge!

caribbean princess said...

Savannah that is excellent! I forgot about that, so glad you shared it :-) But it hits so close to home doesn't it? oh dear :-(

Tanvi said...

What a wonderful idea. I think I am gonna join in too ... not just yet ... but soon! :)

♡ from © tanvii.com

Louloudorset said...

Count me in - I shop far too much and have been thinking recently that I need to reign it in and focus on saving for bigger things in the future!

I'll have to work out my caveats but first will be no new clothes, shoes, handbags and *gulp* Filofaxes! As I have far more than is necessary for one woman!!

And the Facebook group/Twitter activity is a really good plan I'll need help staying on the straight and narrow!!

Lx

Alison Reeves said...

This is a great idea. I like the thought about buying happiness & importance. Also Steve's comments on saying no to what you can't afford. I'm definitely in. Just have to figure out my rules. I am currently de-cluttering and selling stuff on eBay - then buying more stuff with the proceeds! Well no more! I'm not big on Facebook or twitter so could be a useful introduction!

Sandra said...

Wonderful posts! I was once a minimalist by necessity back in university and post-university days. I was fiercely against carrying credit card debt and would simply freak out if I couldn't pay a card off one month.

Then, I got married. He has champagne tastes on a beer budget, and, aside from his $1 Hello Kitty planner, he has good taste in most things. This has led to a creeping debt. I despise it, but have decided to stop freaking out over it. I can only change how I purchase things in the future.

I would love to create and take this challenge, and I'd be happy to admin a group with others. x

caribbean princess said...

Thanks Alison I will do another post closer to July pulling it all together. Stuff is just so enticing! Like you I don't really need anything more. I have unused clothes and handbags and Filofaxes! Ugh, so I need to cut back.

Thanks for volunteering Sandra. It would be greet if you and Imy worked together on admin since I don't want it to become too onerous for anyone. I still crack up over the picture of him with the hello kitty planner. My DH likes a nice car and a nice watch. Then he buys his normal clothes in the grocery. But more importantly he saves before he buys. Like he had saved half of the cost of the car before buying. I would never do that. Why is it so difficult for me?

Steve said...

I look forward to contributing to the Facebook group. I've got a few tips I can share with you. None of them get rich quick schemes but every little bit helps of course...

Steve

Alison Reeves said...

I'm a bit like Elton John - if I find something I like I have to have one in every . Also when we had a static caravan in North Wales, I would often buy one to keep there as well!

Now we longer have the caravan I have far too much stuff (especially casual gear) - hence the ebay fetish!

I'm looking forward to this - could also do with a self help group for eating as well!!

Femke said...

Ithink our theme song should be Pricetag by Jessie J:

"Why is everybody so obsessed?
Money can't buy us happiness
Can we all slow down and enjoy right now
Guarantee we'll be feeling alright"

Somehow I'm excited to do this challenge.

caribbean princess said...

Oh Alison I am so glad that I am not the only one. I often buy things I like in 2 colours (a kind of buy one get one free twin behaviour- mum used to buy the same things in different colours for my twin and I when we were younger and we inevitably used to fight for one of the colours!) I know Sharon (Shazza) and Jess have been doing weight watchers stuff.

Femke are you in my head? I so plan on linking to that song in one of my posts. That song is on repeat on my iPhone.I didnt like her first tune 'Do it like a Dude'. It really irritated me but I love her two other singles.

Femke said...

I only found out about the song bc someone on Dutch X-factor sang it, but it suits this goal so well!

caribbean princess said...

;-0 I didn't realise there was a Dutch X factor. Hope whoever sang it there didn't ruin it completetly.I find the auditions part so painful that I can't watch it. Does one really need to go on national tv to find out you can't sing? I can't believe some people!

Anita said...

Count me in :)
Spooky timing as I've just set myself a 30 day challenge to buy only necessary things. Occasional books may be allowed though...

For some birthdays, I've only had presents from my husband & then asked any one else to donate money to their favourite charity.
Going to sell 2 filofaxes & keep just my Malden.

Kim said...

This sounds like a really good idea. It would be really good to see all the tips that people have because I need to learn how to save properly. I've just about managed to hold onto my money rather then losing it straight to the shops. For me it isn't clothes, it's books. I buy so many and all my money is in Waterstones. I'd love to see what happens next. What would the group do? Promise something or just exchange ideas?

Savannah said...

CB- I certainly had an aha moment when I read it!

Femke said...

CP, she won Dutch X-Factor! So she certainly did a good job (I think the song got popular after she sang it on the show, some believe she even did it better than the original!)

caribbean princess said...

Anita yay! We can support each other. What are your weak point? Mine are handbags and Filofaxes ;-) The giving to charity idea is a great one. I suggested it in a last minute Christmas gift guide post last year. Hopefully soon you will be a one Filofax woman,

Kim as you are a writer I am not surprised you have a weakness for books! The group would be flexible. So you could make a specific declaration/ resolution like I did or just exchange ideas and articles. I will do an official launch post before July.

Savannah I am pleased :-) what are you planning on doing?

Femke ooh really? She was that good. Do you have a you tube link for her?

Femke said...

http://m.youtube.com/#/watch?v=xOpRguKhpiE

This was the first time she did it, she did an amazing version yesterday at the finale, but i cant find that video yet.

caribbean princess said...

Femke! Wow! She is brilliant and very pretty. Now I have to listen to all her other songs. Yay for lazy Saturday mornings.

Femke said...

She is amazing and a well-deserved X-Factor winner. She also did a cover from Jordan Sparks "no air", which will be her single. Her voice is just phenomenal.

Moira said...

Excellent! I just started a no shopping challenge myself "Buy Nothing Summer" so I'm glad to find I'll be in good company. My addiction is craft supplies... My goal is to actually use up the supplies I have on hand. Good luck to you!

David Popely said...

What a fantastic resolution - good luck with it. I am *also* not a minimalist (DW would go insane in about twenty minutes, apart from my own inability to cope), but I *am* a proponent of the voluntary simplicity movement, as inspired by Duane Elgin's book of the same title. I strongly recommend John Lane's excellent book, 'Timeless Simplicity', which, although twee in places, is a great argument for the virtues of simple living (not self-imposed poverty).

Good luck with your challenge!

David

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