We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Not quite sure I'm ready for this?

245

Comments

  • sammyjammy
    sammyjammy Posts: 8,007 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Good work on the budget night out! :T

    The coffee you're giving up - yes, assuming a spend around £2.10 a cup then that's somewhere in the region of £500 a year if you do that most days. Makes you think, doesn't it! As Mrs H says the free Waitrose coffee with their loyalty card is a great idea if you have one nearby, but otherwise why not grab a cheap insulated travel mug and make a cup at home to take out with you?

    Lunches - do you have a microwave at work? If so you could grab a bag of baking potatoes (usually £1 for 4 tatties?) a couple of tins of value beans and a bag of grated cheese and that would sort you out for 4 days? otherwise tinned soup can be had for 45p a can and that makes a really filling lunch!

    Or make a big batch of soup, so cheap to make and much much nicer than tinned soup, I freeze mine in portions and take it out of the freezer on my way to work.

    A coffee a day isn't always a bad thing. I only work four days a week and it does add up but I don't go out, smoke etc.

    BTW Waitrose are stopping the free coffees, customer complaints that it attracts riffraff apparently. :eek:
    "You've been reading SOS when it's just your clock reading 5:05 "
  • loveis
    loveis Posts: 41 Forumite
    My biggest struggle at my current home is there is no freezer space. It's communal but the live in landlord has it chock full :( I'm not at home enough to say anything.

    I get free 'nice' coffee when at work so it's actually really bad of me to buy it on the way in too. I have a friend who goes out of her way for a Waitrose coffee in the morning. lol I'd agree with her being riffraff haha
    April Debt -£3,372

    Positive thoughts = Positive Outcomes
  • loveis
    loveis Posts: 41 Forumite
    spent a bit of time organising my spreadsheet. It's not pretty. I can do it by this time next year if I'm good and clever.

    Starting with spuds and a real meal plan. :)
    April Debt -£3,372

    Positive thoughts = Positive Outcomes
  • Ooh go on, show us yer meal plan! :D

    Mine's in chaos already this week. My own fault, When Monday night is meant to be a stew that was in the slow cooker overnight last night, and I've been too lazy to actually sort it out and get it in there, and cooked, what can I expect. Thankfully I always build stuff ion that will account for this happening - I know myself too well! :rotfl:
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • loveis
    loveis Posts: 41 Forumite
    Haha meal plans are the worst!

    My BF doesn't eat stew :( I am being treated to homemade pie tonight.

    Tomorrow I am making a veg curry and spag bol.. then I have a couple of dins I can munch on and a tasty filling option for my spuds for lunch.

    That's actually as far as I got. haha
    April Debt -£3,372

    Positive thoughts = Positive Outcomes
  • loveis
    loveis Posts: 41 Forumite
    Wondering today if I should be tracking surveys etc, and whether to resign up to yougov..?
    Also thinking I need a new job but that feels like hard work.
    April Debt -£3,372

    Positive thoughts = Positive Outcomes
  • loveis
    loveis Posts: 41 Forumite
    Just had to remind friends that I put their train ticket for a day trip to Paris on my card. I feel awful. That's £80 though and a week before payday deffo needed. Worried about getting to work Thursday I can't borrow more off the BF, I have emergency £2 coins if it gets that desperate.. No more on my credit card. Ever if I can manage it.
    April Debt -£3,372

    Positive thoughts = Positive Outcomes
  • There you go - the £2 coins are the way forward if it comes to it.

    Hopefully the friend will cough up soonest. No need to feel awful about reminding them either - in fairness they should have remembered unless the deal was that you'd remind them, in which case then you just have, so all good! Pals and I often sort out tickets etc for events between us to cut down on booking fees - makes perfect sense and nobody ever minds being nudged if they've forgotten to pay up.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • loveis
    loveis Posts: 41 Forumite
    Thanks EH I was feeling mighty bad about it but now friend feeling bad for forgetting.

    Will be resorting to the £2 coins to get through Thursday but I'm feeling calmer about it than I was a little while ago.
    April Debt -£3,372

    Positive thoughts = Positive Outcomes
  • A few years ago when I first moved to London and was trying to live as cheap as possible I used to make bug batches of turkey stew (sainsburys used to do a while turkey leg for a couple quid) with whatever cheap veg I could find on a Sunday to get me through the week - cheap filling and tasty lunches!

    If you don't have much space at home could you get away with keeping all your lunches for the week in a fridge at work?
    Loan - £12702.19 Credit cards - £4150.88 Overdraft - £0

    Starting 2017's debt free resolution early
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.4K Work, Benefits & Business
  • 601.1K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.