Adding Up Your Purchases

.  Hi.   Funny you mention this,    I have one of those accordian files, with dividers for months of the year.  Throughout the year, I put all my papers, receipts, bill stubs, checking & savings statements etc, in each pocket for the month it occurred,

Every Jan/Feb, of course and I just did this Satuday for 2016, I empty the entire folder and go through each item, throwing things I don’t need into a box, but anything I would need for taxes into a tax folder, and of coure receipts for silly stuff in box to shred, or receipt folder if think I’ll need it longer term..   (Think applicances or electronics).

I could not believe how many HSN packing/shipping receipts I had!!!!!!    The stack was outrageous!….   I need to behave myself this year, that was certainly a wake up call!

Yep! It never seems like I’m buying too much until that credit bill comes in and lo and behold, I am! Those HSN coupons and price reductions get me way too often…:womansurprised:

 I’m a bargain shopper who never pays full price for anything, so I’m actually pretty impressed with my totals when I think about how much money I saved on things I really needed. I am gonna try to spend less, bc I’m saving up for something important.

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:

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

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:

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:

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 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.  

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 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. 

 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

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-

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!’

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..