Adding Up Your Purchases

Flex pay did me in….a wake up call that I needed and have heeded! I spent so much the fall and holiday season and honestly, it kind of made me sick to my stomach : (    At the same time, I realized I purchased items I actually needed so I’m rarely watching HSN/checking it online (which is why I’m rarely here now); there’s nothing I have to buy.

I’m thrilled with what I’ve purchased, I’m grateful for the flex-pay option (execially if the item didn’t work I wasn’t out the entire price) but it’s VERY easy to spend a LOT of money quickly. 

Too easy. 

BTW HSN adds them up for you. Just go into your account where it says   My Account

and scroll to flexpay manager and click then click on  Hide Fully Paid orders and it will show you your monthly totals….

OMG! NO!!! :womanlol:
I don’t use flex pay and really don’t shop here regularly per month, but I have been on an Iman clearance shopping spree lately and I don’t even want to know the total…but I’m sure my husband has a running tally, so if I did want to know, I’d just ask him.

In the past I use to buy a huge amount but once I got debt free its easier to not buy on a whim for me..I still spend quiet a bit,amazon is my biggest expense,but I never buy more then I have set aside to pay in full when the bill comes..I need peace of mind now and couldn’t relax if I owed money in todays economy.My sense of well being improved so much once I stopped juggling money to pay bills that I hope to never do that again.I think when I already owed it was easier for me to keep adding more to it.Now I don’t want debt so I control my spending much easier.But its a big change and wasn’t easy to do..

Ok ya’ll…..are ya’ll looking at my mail??  It sure sounds like ya’ll are!!!!…..lol….:womanlol:  The reason, I’m in the same boat.  Reviewing my statement, noticed, what are all these flex-pays?  What all did I buy???  Well, I started a head game with myself this year.  I just DON’T WATCH THE CHANNELS!  If I don’t see, then I won’t buy.  My family (one Sunday, right after New Year) decided we are not going to purchase anything off T.V. or also going to have a two week period where NO SOCIAL MEDIA.  By chance, I haven’t been on the forums for a few weeks.  We all wanted to see how we can have TOTAL CONTROL OVER OURSELVES.  This was so HARD!  I played my games but; wasn’t on the forums….**bleep** near killed me….lol.  But, I passed and I am back.  Now, I haven’t purchased one thing since Xmas.  Wheew—this discipline thing is VERY HARD AND NERVE RACKING!  Remind me Sunday to slap my daughter-in-law…lol…..:womanlol:  This was her ‘WILD IDEA!’

292-330  pammy i love this box set for heidi suites- i can get 2 necklaces into the one and the other pieces into the compartments-

 Ha ha ha,  you hit the nail on the head .  I had so many blue  packing Slips  it scared me.  I have a huge container I keep them in. My credit card bill is about four pages now!  I end up paying a large monthly bill and then have to go in and pay down on the flex pays.  I paid it down with a another credit card and now it’s back up.  I finally took control in December,  after Christmas  and every time I get it under control  either Heidi Daus or Jay King come back for a TSV.  I no longer trust my fingers…they have a mind of their own late  at night when I’m watching .   I literally took a part-time job just to pay down flex pays .  That was a good idea  about not using flex pay at all .  I think I’ll try that next #SassyGranny

I am same way.  I like everything.  Plus I have to get the matching pants and on and on…  I tried to keep a record per month, but a week into it, I would lose count.

Lately the only way I managed to get it under control is I put things on my wish list and delay buying.  Before you know it, something else catches my eye I like better.  Then I am glad I didn’t get the first one.  and I try to delay on the next thing too.  and sometimes they sell out, but I have never regretted missing out cause there is always more.

Then I try to only buy on my HSN card.  and it only has so much limit and I try to only pay a fixed amount per month including the flex pay.  so that leaves me so much to shop. 

Yes Pamlou, I have done that on my flex pays….on 4 shopping channels. I know flex pay is a huge help for most but I totally stopped it because I had so many that I wouldn’t even know if I was being charged for things I returned or whatever.  It was too overwhelming to keep track of everything.  Now I just pay in full, which is very scary too…but at least it’s manageable and my credit card bill isn’t 3 pages long. I still admit home shopping is a problem.  It’s a dual edged sword – very relaxing when I’m doing it – scary as heck when I see what I’ve spent!!!

I knew I had a problem when the mailman asked if I was done yet.  lol  I actually said yes I was.   I have purchased one or 2 things I didn’t need since then(all clearance or great deals), but other than that, I have been good.  I only have one thing on auto ship,and it has 3 shipments left total for the year, so I feel okay with that.  There are many things I have almost purchased, but took back out of my cart because I truly didn’t need it.  My goal is to have the credit card paid in full by July.  Wish me luck (and will power).   

*This is another reason why I have not been posting, I have been avoiding temptation.  

Last year I decided that by the end of 2016 all my Flex pay and Easy pay would be paid off. I did it!

 Also, as hard as it was, canceled all auto-deliveries. Good luck to all of you. You can do it too!:heart:

I know the feeling Pamlou, it’s when you flex pay yourself into having to budget everything else for six months that it really gets to you.  I have no self control, especially in the wee hours when I am awake and watching tv and have taken my meds, I call it shopping in my sleep.  I watch three different shopping channels now. :smileyhappy:

Hi  I don’t have an HSN card but have seen it practiced on others.  Definitely a wake up call – but on the other hand life is short, no one is guaranteed tomorrow so enjoy.:womanvery-happy:

No. No. No.   Don’t go to that scary page!    :womansurprised:   :womanlol:

I  always shop sales or even better clearance .   Some months I buy  a lot  sometimes I don’t 

YES  it can be an eye opener when you start counting it up .

Really  it is not my  fault     :smileyembarrassed:   it is all the amazing  fellow HSN  Community posters that keep me so informed on great deals here at HSN 

:smileylol: