Should itsthelittlethings spend less on coffee?

itsthelittlethings

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. 

itsthelittlethings

Basically I have to put all that into my pension as I am in Nest and no chance for paid overtime.

itsthelittlethings

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

itsthelittlethings

Imagine if that went into my pension.

Skint_yet_Again

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.

itsthelittlethings said:

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? 

itsthelittlethings

£3.50 on coffee. It’s the weekend.

itsthelittlethings

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.

itsthelittlethings said:

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.

itsthelittlethings

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.

itsthelittlethings

Tuesday. I looked at my credit card and it’s actually a bit higher than I thought. Will take a while to pay off.

itsthelittlethings

No spend day today so far. Work was really boring.