Your way of handling money...

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I'm very careful with money. That is not necessarily in a way where I won't pay for someone's dinner or a gift - or even a small loan - but in general I have a very acute stress when spending any kind of money. Anything from Taco Bell to the electric bill. Because of this, I'm occasionally late on paying bills, even if I have more than enough money to pay the bills.

Does anybody else feel this way?

I have the same problem as you but a different attitude. For years I've been very careful where the money has been spent and I've saved as much as possible. At one point (until my behavior was pointed out) I had twelve years of bank statements and an Excel spreadsheet running in an attempt to predict how much money I was saving.

However, all bills are paid on the day they arrive.

Vanilla_Slice

to pay at the latest possible date before you get further costs tru layers dues and so trying to get the money from you.... letting it collect intrests on your account as long as possible.

I personally have a fixed Rate for living costs and food budget anything else is basicly book game party and other fun money...

There are things that iam cheap with but if comes to my fetishs i can be quite generous.

I'm getting much more careful with money the older I get. I do give myself an "allowance" weekly, but I also budget and am really careful to balance my checkbook every time I write a check. I don't always stress like that when it comes to spending though, I always pay rent & bills on time. But when it comes to spending on what I want vs. what I need, I experience genuine existential angst.

My extreme reluctance to part with money also sometimes resulted in my bills being paid at the last minute (and occasionally, a day or two late.)

I am still quite careful with money (I still delay over the decision to make a purchase), but I now look at each bill as an agreement that must be met. So it's a matter of keeping my word - which is of ultimate importance to me. Now I pay bills as soon as I get them.

Most of my bills can be paid online, which I really prefer to writing a check. Plus, it saves the price of the stamp & envelope - and I don't have to worry about it getting lost in the mail.

I'm not short of money and I handle it quite well.

Problem is I never seem to have any cash.

I can't begin to guess at the number of times I am about to go out and have to ask my wife for some cash.

I also tend to run out of cash when I do go out.

This happens so often that it is hard to believe that I haven't figured out a way to overcome this.

I think this might be an Executive Function problem.

I have a good collection of credit and ATM cards but how often do you find an ATM machine in a restaurant or a bar?

I still live with my parents, and they take up responsibility for my financial needs.

However, for several months I was getting an allowance, $25/week. It was very hard for me to save up; I never saved up more than $100 at a time because I always wanted to add to my DVD collection.

Hee! I saw your topic and I thought that I had found some other people who have to have all their bills facing the same way and in denominational order in their wallets...

I pay a lot of my bills online, so I go the websites and schedule payments around direct deposit of my paycheck. For bills I can't pay online, I have written pay dates through December on my wall calendar based on the due date and the deposit of my paycheck.

There was a time, not so long ago when I was so sure I wasn't OCD and that I was a freewheeling person without the need for a routine...

Oh good, I thought that was just me.
I'm not really that keen on paper money though, I prefer coins - much more tactile.

I worry far too much about stupid things like whether I could've bought this or that £1 cheaper somewhere else. I'm absolutely never late paying anything due though, I manage my schedule far too tightly to do that.

You really need to work on this. You assume you're being careful with money, but you're actually being the opposite.

Consistently late on bills will injure your credit. You might end up without a job and you can't pull out a loan. Bad credit makes it hard to get new service with companies and even affects your car insurance rates.

More expensive in the long run.

I get my paycheck automatically depositted in the bank, then my wife takes care of it all. I don't really care as long as I have enough money to buy myself some toys once and while.

I'm only 18 and still live with my mum and step dad so don't have a mortgage, car insurance (I don't drive) or bills to worry about paying. Of course I pay rent each week & some of that goes towards the bills but I don't deal directly with them - that's my mums job. I'm still very careful about what I spend my money on though, I guess it's because my mum doesn't have a lot of it & I've learned from her about how to make the most out of what you've got.

The only thing I'm good at with money is spending it. I have to stay away from things like bank statements and stuff, because if I have money, it's hard to think that I have it, and I'm not spending it on something I like. So now, my mother controls it. I want nothing to do with it anymore. Except that I have a certain amount to spend each month. Which I usually spend all in one go. Usually during the first week.

I spend money far too easily. I don't allow myself to carry cash because I will waste it on stupid stuff (ie toy claw machines!! ). I am very good at balancing my checking account, I check it online daily for discrepancies and always pay my bills the minute I know how much is due. As I said, I waste money and need to develop control in that regard, though it hasn't yet gotten to the point that I don't have enough to pay my bills each month.

Edit** on a side note, I work with cash all day long and am very picky about it's state. I can't stand wrinkled/dirty money and it all has to be facing the same direction and in order of denomination.

Do you guard your big bills with smaller ones too? When I was in high school, I worked at a fast food restaurant, I would drive the managers nuts because I had my drawer arranged "backwards" when I would work on the drive-thru.

The one manager would always destroy my drawer when I was on break, or whenever she got the opportunity, as well. She'd put bills in any-which-way, and not even neccessarily long way, either. Sometimes she would cram bills in sideways. I at least had the general manager on my side when it came to cash handling, as my drawers were more accurate than any of the managers cash drawers. My drawer, when I was the only one to touch it, was always accurate down to the penny, even though we had a $2 tolerance. I saw absolutely no reason the drawer shouldn't be.

Towards the end of working there, they got this money counting scale. It was normally accurate on the coin, but they tried using it on the bills, the one manager (same one mentioned above) wanted to write me up because according to that scale, my drawer was short $12. I counted it by hand, as did another manager, and showed that the scale shorted the stack of tens by one bill, and the ones by two bills.

I use to be really frugal with money but lately i've been spending it everyday manly on food though.