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!

Should itsthelittlethings spend less on coffee?

12357…57

Comments

  • itsthelittlethings
    itsthelittlethings Posts: 1,983 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. 
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • itsthelittlethings
    itsthelittlethings Posts: 1,983 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.
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • itsthelittlethings
    itsthelittlethings Posts: 1,983 Forumite
    1,000 Posts Second Anniversary Name Dropper
    I spend about £150+ a month on coffees out. Then about £20 on beans for home. 
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • itsthelittlethings
    itsthelittlethings Posts: 1,983 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Imagine if that went into my pension.
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,846 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 11 May 2025 at 8:52AM
    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? 
    ❤️Mum 2018
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗

    Retired at 55 & now living off the equity £10k a year

    ❤️Dad 2025

    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: 1,983 Forumite
    1,000 Posts Second Anniversary Name Dropper
    £3.50 on coffee. It’s the weekend.
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • itsthelittlethings
    itsthelittlethings Posts: 1,983 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.
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • itsthelittlethings
    itsthelittlethings Posts: 1,983 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.
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • itsthelittlethings
    itsthelittlethings Posts: 1,983 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.
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
  • itsthelittlethings
    itsthelittlethings Posts: 1,983 Forumite
    1,000 Posts Second Anniversary Name Dropper
    No spend day today so far. Work was really boring.
    Credit card 1712
    Overdraft 0

    2026 EF 100/3000

    All I want is a weather forecast saying there'll be more weather.
★ ★ ★ 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
  • 353.3K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.9K Spending & Discounts
  • 246.3K Work, Benefits & Business
  • 602.5K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.3K 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.
Update Your Picture