New customer/member here! Nice to meet you all
I’m very excited to get started with Dozens, after looking around the fintech offerings the past few days. From everything I’ve seen, I can have trust that decisions will be made with the right interests in mind
I’ve pretended to myself (and others) for many years that I’m better with money than I am. Most months are overspent, and I have around £10k spread over CCs and overdrafts. I don’t buy flashy things, it’s all been lunches here, coffee there, weekends away with my partner.
Also a strange anxiety of the worst thing in the world is for people to think you can’t afford something. Being declined would destroy me. I wonder how common that is? Logically, it makes no sense. I can’t afford a boat. I don’t want a boat, or a new tele, but I’d be mortified if people knew I was 90% in my overdraft
I’m no longer comfortable with having debt, especially at that level, and want it gone. I feel fraudulent when friends ask me for advice. If I’m truly honest, it makes me feel half an adult (at 31).
We’re cutting back spending as dramatically as possible, so spending analysis hopefully won’t be needed an awful lot But my theory is that using a separate service will psychologically help keep me in a frugal mindset, and remind me of this commitment.
Some of the other similar options feel a little Wolf of Wall St to me - though Dozens is still for-profit, it feels like the Building Society of fintech
Anyway, enough of my chattering, nice to be here and I look forward to talking with you all!