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The Three C's - Coffee, Clothes & Credit Cards
Comments
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I'm not the only one then with the 'waiting for payday Friday' feeling..
This month has felt sooo loooooong...
GibFriday.
The financial wealth building journey.
Busting this debt before 40. Started in August 2024 with debt = £19,966. August 1st 2025 debt = £0 and busted!
Debt free dairy https://forums.moneysavingexpert.com/discussion/6547320/busting-this-debt-before-40/p1
Savings goals by 31st December 2025;
Emergency Fund: £3,674 / £4000
SIPP: £4,375 / £5000
S&S ISA: £766 / £1000
“Save me now and I’ll save you later” - Your money
I eat far too much chocolate...0 -
Nope it's always a long month for me as its so busy socially. This is 2 years in a row my friend and her family have visited in August. We are going to try and better prepare for next summer we have decided. So I'm going to have a summer pot for days out etc next year.Chocolatefund said:I'm not the only one then with the 'waiting for payday Friday' feeling..
This month has felt sooo loooooong...
GibFriday.
*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £760
*Total debt - £7760/£11641.17*
Savings
*Savings Buffer - £500/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Do you have a flask or reusable coffee cup you could take instead and bung a few quid in your month ahead pot?1
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Yes and my good intentions start like that but never end that way. Plus it's the treat I allow myself for the mammoth effort that going to head office is. Usually my colleague pays for it so its OK. I need to really as I also have some oat latte sachets for the office in my work bag that I've never used.PennysIntoPounds said:Do you have a flask or reusable coffee cup you could take instead and bung a few quid in your month ahead pot?*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £760
*Total debt - £7760/£11641.17*
Savings
*Savings Buffer - £500/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Fair enough, as long as its a conscious decision 🙂
Oat latte sachets sound delicious, though I'm banning myself from looking 😁0 -
Hahaha i haven't tried them yet, got oat and almond milk ones to try and see which I prefer. I will take a refill coffee cup tomorrow and hopefully that stops me buying one! I'm also more likely to make my sachets coffees as well then.PennysIntoPounds said:Fair enough, as long as its a conscious decision 🙂
Oat latte sachets sound delicious, though I'm banning myself from looking 😁*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £760
*Total debt - £7760/£11641.17*
Savings
*Savings Buffer - £500/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Might as well take it and see how you feel, no harm having the less spendy option! Do report back on the sachets 😁2
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Very true. I've set the coffee machine up ready for in the morning with my reusable cup so we shall see how I go. I forgot I'm on duty tomorrow afternoon so that means later train for me coming home. I've made my packed lunch so I'm not tempted to buy any food. Why did I think it was a good idea to go back to work on office Wednesday after a long weekend off??PennysIntoPounds said:Might as well take it and see how you feel, no harm having the less spendy option! Do report back on the sachets 😁*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £760
*Total debt - £7760/£11641.17*
Savings
*Savings Buffer - £500/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
I like the oat sachets and also the coconut milk ones. I get excited if they have something dairy free!September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
I dont like anything coconut milk but am looking forward to trying the oat ones!Willowtree222 said:I like the oat sachets and also the coconut milk ones. I get excited if they have something dairy free!*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £760
*Total debt - £7760/£11641.17*
Savings
*Savings Buffer - £500/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1
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