Sunday, 20 July 2014

Shopping Zombies

A strange title for a post I know but we saw many of these this morning when we popped to Meadowhall. My son had won a voucher for 100% attendance at school for three years and he wanted to go and spend it in the Lego shop.  I said we could go but we would be in and out, it's a lovely day and there is absolutely no need to be wandering around that place for hours.
  Well! It seems many people think it is the perfect way to spend your Sunday. My son even pointed out to me the amount of bags that some people have (quietly in my ear, not shouting and pointing!) and everyone seemed to be shuffling along, we had to overtake in a few spots as it was getting ridiculous. The whole scene brought to mind a zombie film, vacant faces, shuffling along with no purpose other than to spend.
 If these shoppers were in there with a purpose I'm sure they would have been moving quickly in the direction of the shop they needed to get to, made their purchase and left. However I don't think that is generally the case any more, people just use shopping to kill time and buy what ever takes their fancy at the moment. They will often worry later when the credit card bill comes.
After a busy week at work I don't believe time should be killed, it should be used wisely, lots of people have concerns about when they will be able to retire and have time to enjoy themselves, yet when they get some free time they use it to spend money. This is why people feel they will have to work into their seventies in the future because they want to retain their shopping lifestyles.
I understand you may be thinking well you were their too, well my son had earned this reward from school, it was in the form of a Meadowhall voucher so it had to be spent there and it was his to do with as he wished.
He sat and enjoyed building the model.
One of my dogs getting his nose in the picture.

The trouble is many adults feel like this about all their income, ''well I earned it can have whatever I  want'' yes you are right you can,  just don't complain about it later or when you are still working right into your old age.  The trouble with this kind of thinking is that many people who don't work also feel the same way.
I didn't buy anything while we were there as we went with a purpose and then left to come home and get on with other things.
Having no real interests or hobbies can create this need to go out and shop because it gives people somewhere to go, the other side of this is that some hobbies can be expensive in themselves.  With the school holidays ahead for me and the children I will be making lists of things we want to get done (free or low cost like dip for a quid at our pool) we will be busy but not shopping.
On a positive note a good conversation was had between my son and a young lady who worked in the Lego store, she said she was a new team member and that she would be building some of the display models soon.  She explained how long they took and how she was looking forward to that.  My son has said when he is older he would like to get weekend or evening work there.  It would be nice if his hobby helped him save a little for some independence in the future.

I do not intend to offend anyone with this post but I would hope it might make a few people look around at the zombie faces the next time you are in a shopping mall and run like hell!

Saturday, 19 July 2014

Leaving Primary School is Expensive for Many Families

It has been quite an emotional week as my younger son left Primary School yesterday  and he and many of his friends were a bit overwhelmed by the time the leavers party finished.  I say leavers party but apparently a lot of people were referring to it as a Prom  and had spent the appropriate amount of cash they deemed fit for such an occasion.
 The children left the School in a party bus and stayed on this an hour then had an organised party complete with red carpet and food for a further two hours. The party bus was split cost wise between all us parents as was the venue which we had at a reduced rate due to a fellow mum working there.  I know my son enjoyed it all but you sort of feel, where does it end as these things seem to get bigger with every passing year.
  When my older son left four years ago these celebrations were already an expected thing but they had a stretch hummer to take them to a nearby restaurant where they all had tea then ran around outside.  I might also add they remained in their school clothes for the whole time.
 Now, the parents have been discussing outfits for weeks! The children mostly had expensive prom gowns and some boys had waistcoats and ties. My son was asked if he would like a shirt, he replied no I have clothes already I will wear chinos and a T-shirt (good lad I raised him well) I was also pleased to see that a couple of his closest friends were also dressed similar to him, you know, clean and looking like eleven year old boys not mini adults.   He told me one of the girls dresses cost £300! I thought that wont fit long they grow so fast at the moment!
 I may be cynical but what has happened where people feel the need to spend those amounts of cash on a disco? Lets face it that's what it is, I know they would all have loved the party just the same without all the bling as long as they were together having fun.  It's a shame that many of them are already programmed to feel that pull towards image and what their outfits cost. Clearly it is already in their minds that it is important for them to be comparing dress prices. One of the boys had also mentioned to my son that his suit was £500, not sure if he was exaggerating but again it shows that some kids think this stuff is what matters.
What really made me laugh is that a TA spoke to me on the drive and said these have been playing on the adventure playground (with a tut as she said it) gesturing to my son and his friends. I just smiled, they had to wait for the bus to arrive for forty minutes while children got dressed, had hair straightened, applied make up etc. Then posed Hello magazine style for the camera, my son and friends were on the adventure playground  after one photo running around in their change of clothes, being eleven. I was pleased to hear this because he is after all, a child and these years pass too quickly.
I wonder what will happen next year at the same school to top the event as that seems to be what is happening, I'll never know as both my children have left.  Now that is over we all have the expensive uniform to buy, and all the necessities for secondary school, fortunately as I didn't blow the family budget on one outfit we will be fine.
They are all such a super bunch of kids and have been really good friends all through school I just hope they don't lose too much of that as they move into their new school and popularity becomes the thing to aspire to for many. 
I did feel that if this is happening at most schools now it must be a tremendous strain for a lot of families.  people who are already worrying about kitting children out for the new school year but also don't want to disappoint their child.
 Maybe if schools all decided to have the end of year  6 disco there it might eliminate some of the expanding costs of limousines, buses and venues which all have to be booked and arranged sometimes a year in advance.  I know teachers will be groaning as these things have to be supervised and many just want to get going at the end of term. I work in school myself so I know what I'm suggesting but I just think it would really take some of the pressure off some families out there and maybe even a little off the kids.

Tuesday, 15 July 2014

Used Goods Save You Money, Lose the Fear

I was thinking about this the other day when we had a school fair. I was on the toy stall and lots of children were quite happily paying a few pence for their toys when some one said to me 'oh I don't like these things they make me sad'. Well I found this a little confusing as it was an adult who mentioned it and no one was making her buy anything.  Also why is it sad? The children were all very happy with what they bought but then I suppose they have yet to be conditioned otherwise. Also mountains of debt is much sadder I think, some people would never buy used clothes but are happy to use credit cards for new ones and leave no money for bills.

Also it is quite acceptable to most to buy used cars or houses so why the stigma when it comes to clothes and furniture?  I think a lot of it comes down to making a statement for some people, they think  that by buying second hand they might be suggesting they are not very well off.  Some people find this sort of image very important, the truth of it being that people who are better off are the ones who make careful financial choices.  They are more likely to shop used, pay upfront and seek out a bargain.  They are also less likely to be drawn by the designer label as this is only ever going to drain your finances.
I read an amazing post by Mr Money Moustache about saving ten bucks at a time to become rich (about £5.80) now he is not saying the odd amount, this is about all those little decisions that make up these amounts and then eliminating them.  Nobody says you have to give up everything, but lets face it, if we really want something we will try to obtain it so why is this not the case for most people with savings and independence.  It gets me a little annoyed when people think oh you have this and that so it's ok for you.  Well  no it makes me really mad! We both left school at 16 and have worked ever since and saved, we also live within our means and don't ever go down the designer label route. If we were to find ourselves out of work we would make a job  out of looking for a new one and would cut back  further to tide us over.  We would not wait for it to land in our laps as we never have and it makes me crazy that so many people just take and feel sorry for them selves.  What can you do? What can you sell that you no longer need? Also if you are out of work how many jobs have you applied for today?  If the answer is zero why?  There is stuff out there and yes there may be loads of people chasing those jobs but if you are out of work you should be one of them doing the chasing, all the time! There is also an article on Mr Money Moustache that suggests for every saving you make and permanently erase from your weekly expenditure the less you will need forever!  I think that is something worth considering. 
Used! So what, get over it.

Wintering

 Hello everyone, how are you all doing? Just yesterday I read a post about a book called Wintering, I have seen this book about before and t...