The Lies We Tell Ourselves

I have a very personal catalyst for wanting to minimise some more. It’s spurred me on to addressing the sheer amount of clothing, shoes and bags I have amassed. It’s not until I have started to purge, mostly by selling at this stage that I have understood the truth of the situation and realised the lies I’ve been telling myself. I find it so hard to let go of these things, so I am aiming to get rid of the items least used first. If I think the item has any value, then I am eBaying it. Otherwise it is being donated to a charity shop or given to a friend. If the items don’t sell on eBay after 3 attempts, they are also being donated.

I’ve shared these pictures before, but here they are again. This is not a minimalist wardrobe, I repeat…this is NOT a minimalist wardrobe! It’s not just a wardrobe; there are bags and boxes of unloved items.

Since I posted these pictures in September 2015, things have not really improved one iota! I was and still am a clothes addict and buying clothes cheaply, either in sales or charity shops is an easy way to mask the true cost of what you are spending. In just 2 months of selling, selling, selling on eBay I have sold around £500 worth of items. To date, I have shifted 45 items – by clearing out cupboards, wardrobes, boxes and kitchen cupboards. I’ve even sold several items of furniture! However, a significant proportion of this was clothing, bags and shoes. £500!!!!! I am horrified to realise that is only a part of what I own and I don’t miss a single thing.

I love to get a bargain, or a good deal and it’s easy to kid ourselves that if something is only costing £5 then it doesn’t really matter. But if you times that by say 1 purchase every week of the year and before you know it, you’ve spent £240 in a year. Imagine the compound interest on that over 10 years. A quick calculation at 1% interest shows that I could have £2615.55 if I just stopped buying and saved this money instead.

I’d also fallen into the pitfall of believing that buying a certain, expensive item would make me happy. Let me tell you know that it’s not true and owning an expensive bag or pair of boots has bought me more guilt than anything else. Guilt about the cost, how little I’ve worn or used them, or even because they did not make me happy like I’d thought they would. There’s so much truth in the psychology that we get the thrill from buying an item and that it quickly wears off.

I hope I learn these life lessons finally and I would love to have a capsule wardrobe! I will share some more pictures after I have completed my down-sizing. I am reforming and I’m going to be accountable on here.

Now it’s over to you – how have you managed to successfully down-size your belongings? Did you particularly struggle with an item or area of your home? Did you have an event that was a catalyst to down-sizing? I’d love to hear from you in the comments section!

Are you paying too much for your energy?

I think we all know that these days, we’ve got to make the effort to shop around to get the best deal. Often, there’s no point staying loyal to a provider – be it for insurance, energy, phone, broadband or anything else! I don’t know how many of you watched The Martin Lewis Money Show on ITV, but it should be on your must watch list. You can catch up via that link. I can personally credit Martin Lewis and his site MoneySavingExpert (MSE) with everything I’ve learned about saving money and making money since 2012. Again, I highly recommend you make some time to read all his advice. There is a lot of go through and I try to condense some of it onto my blog, but everyone is different and what works for me, may not work for you. However, everyone can benefit from checking whether or not they are overpaying for their household energy.

As MSE is impartial and a major consumer champion, they are not trying to sell your anything. Unlike going through a regular comparison site, who will take a cut – I believe MSE does not. So you should join and check out their Cheap Energy Club to see if you would benefit from switching. Most people on the TV programme were saving around £250 a year!

I have just done it and I am glad to say that my household is on the cheapest deal for us – a 1-year fix with The Cooperative Energy. We’ve actually been with them for 4 years now and they’ve consistently offered us good value and good service. They never try to sell us things we don’t need, they are very clear about how much we are spending and even contacted us to tell us we could get a better deal! I love being with a more ethical company and they are pioneering some great green initiatives too. I believe that a lot of the smaller companies are much better for their customer service. So why don’t you get checking and post back with how much you’ve managed to save?

Black Friday- Deals Week

You may sigh about Black Friday making its way across the pond. But if there is something you need to buy or perhaps you like an early start on Christmas gifts, it can actually offer a genuine opportunity to make some decent savings. I would absolutely prefer to do my shopping from the comfort of my sofa, rather than brave the craziness that goes down at the shops! I don’t shop Black Friday every year, but I may buy a few gifts this year. Aside from retailers slashing prices, you can make sure you get an even better deal by shopping from home. Always, always, ALWAYS click through a cashback site when shopping online – those extra pennies and pounds really do add up.

If you’re looking for the hottest cashback deals, especially with Black Friday and Cyber Monday coming up- you should take a look at Swagbucks. They are offering increased cash back from stores like Amazon, Argos, Boots, or Debenhams. You can turn this into cash back from Paypal or gift cards to your favourite stores!

Swagbucks will also offer amazing one-day deals to try out new products and services, earning you even more free gift cards. This page has everything you need to take advantage of some great “shopportunities” for Black Friday and Cyber Monday and the entire week leading up to them! The page will be updated each day with new deals and opportunities to get free gift cards. So remember to keep checking it!

If you still haven’t heard of them despite how much I rave about them – Swagbucks.com is an easy, quick way to earn cash back and gift cards by shopping online or doing other everyday activities like taking surveys or watching videos. When you do those things, you earn points (called SB) that you redeem for PayPal cash or gift cards to places like Amazon, John Lewis, Argos, Starbucks, and many more!

Just for signing up through me, you can earn a 300 SB bonus if you earn 300 SB before December 1st 2016. If you spend at least £25 shopping through Swagbucks during that time, you’ll get another 200 SB bonus! Why not take advantage of these great deals and sign up now?