Since the credit crunch my spending habits have changed quite a bit. I don’t impulse buy anymore I make considered purchases. I think long term about whether an item will last and be useful rather than is it cool and do I adore it? I wonder actually if this is just part of growing older and being a mum too. Maybe I am wiser.
Shopping around for a bargain is definitely something I do these days that I never used to really bother with. I flit between supermarkets trying them all out; I was a bit of a ‘nappy tart’ as ladies like me are fondly known! I would change brand as quickly as the offers changed. I have tried out a myriad of hairdressers, boyfriends came and went, even houses and jobs. In one area however, I have only just started to think about shopping around.
Tha is in regard to my bank account.
I have had the same bank account since I was a student. I have several others now too but my main bank account which I use for everyday life, direct debits and so on is with the same bank and has been for the last 22 years! I initially joined because you got a free student railcard and at 18 heading off to Essex University that was a big deal.
Wow must be a great bank right? Must have THE best account , the best interest rate and overdraft facility? Less queues than anywhere else?, a funky cheque book perhaps?
Honestly? I have no idea.
I have no idea why I have no idea either. I’m meant o to be smart with money. It’s a bit silly not to shop around isn’t it to see whether a different back account may better serve my needs. Indeed a different bank may be better for me too. I ought to \at least look to see what current account offers available at all the local banks are.
I think there are a few reasons why I have never moved account but mostly its laziness, habit and convenience. I am sure these days it is a smooth transition, banks move quickly with the times and I do more and more banking online so I am sure the move would be painless.
I need to have a look around be proactive and see what is out there. Every penny counts these days. I have just been playing it safe staying with what I know.