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Should itsthelittlethings spend less on coffee?

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Comments

  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    I have my annual performance review next January. They started me at the top of the pay scale but I still want a raise of £500-1000. I know it’s a big ask. 
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Basically I have to put all that into my pension as I am in Nest and no chance for paid overtime.
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    I spend about £150+ a month on coffees out. Then about £20 on beans for home. 
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Imagine if that went into my pension.
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,582 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 11 May at 9:52AM
    Monthly budget.

    Coffee £50
    Entertainment £80. (Includes exercise).
    Bills £530
    Miscellaneous shopping £200
    Clothes 100
    Food £180
    Debt £100
    Savings £200
    Travel £70

    I really don’t know what’s going wrong.
    itsthelittlethings said:

    This is my adapted budget.
    itsthelittlethings said:
    That’s my budget and I’m sticking to it.

    I spend about £150+ a month on coffees out. Then about £20 on beans for home. 


    You need to set a realistic budget and stick to it. Keeping a record of spending on your new app should help you to see what you’re spending and then you can cut back. Are you still in your overdraft? 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    £3.50 on coffee. It’s the weekend.
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Skint_yet_Again said:
    Monthly budget.

    Coffee £50
    Entertainment £80. (Includes exercise).
    Bills £530
    Miscellaneous shopping £200
    Clothes 100
    Food £180
    Debt £100
    Savings £200
    Travel £70

    I really don’t know what’s going wrong.
    itsthelittlethings said:

    This is my adapted budget.
    itsthelittlethings said:
    That’s my budget and I’m sticking to it.

    I spend about £150+ a month on coffees out. Then about £20 on beans for home. 


    You need to set a realistic budget and stick to it. Keeping a record of spending on your new app should help you to see what you’re spending and then you can cut back. Are you still in your overdraft? 
    No, I’m out of it as of moving some savings just now.
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Am writing down everything I spend. It’s pretty helpful. I’m actually not sure it’s the little things (apart from coffee). I think the bigger things are probably more of a problem.

    First day back at work after my holiday. It went pretty well. Everyone was really nice.

    I can’t wait to start my Open University course.
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Tuesday. I looked at my credit card and it’s actually a bit higher than I thought. Will take a while to pay off.
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
  • itsthelittlethings
    itsthelittlethings Posts: 1,225 Forumite
    1,000 Posts Second Anniversary Name Dropper
    No spend day today so far. Work was really boring.
    35 NS&I
    25 credit union

    Credit card 2300
    Overdraft 0
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