#164

Love that show, it’s incredible. It’s a fairly repetitive story arc but I really get a kick out of watching people get a handle on their food/drink spending and seeing how much they save. Some families save thousands per year by making some relatively minor changes to purchasing habits and routines.

1 Like
#165

Seeing things like “you shouldn’t spend more than 50% of your income on rent” (and even less, by the Shelter definition) is completely terrifying. Just want to bury my head in the sand reading that

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#166

Watched an episode of that where the dad would insist on making something extravagant once a week, which meant purchasing a full set of spices they didn’t have in their larder. Was a bit too close to the home for me

#167

Don’t think I’ll ever get on top of my gluttony, should be alright if things stay constant, if things get more difficult I’ll just extend my mortgage term

#168

The best bit is where they insist their branded food is best and unbranded couldn’t possibly compete and then in a blind taste test they have no idea which their beloved brand is.

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#169

We’re putting The Child into nursery next week - It’s costing us £38/day for three days a week. I thought that was expensive…

#170

I believe someone’s relationship with money, spending and budgeting is fixed between 18 and 22. That it becomes hard to change your behaviour later on.

So if you never saved then, you will still find it hard when you’re older no matter how much you earn. Your outgoings increase proportionally.

If you budgeted and were sensible, you can’t help but look like a miser if you earn a decent salary in the future.

I’m the latter. Loathe spending money on myself. You’ll find me starving myself for 60 min so I can buy Boots sandwiches for 50p at 3pm.

#171

I also think deriving absolutely no pleasure from a lot of material things helps. No interest in nice cars, clothes, buying computer games, records, going on big holidays (too much hassle with 2 young kids). The only thing I spend money on currently is DIY stuff

#172

The cost of childcare is actually making me sweat a bit. We live well enough, but still both earn under the national average, and have made some big adjustments since the arrival of the baby, by there’s not that much more to trim away and make savings on.

She’ll be on 4 days a week, me working alternate weekends (so I can guarantee a day off in the week each week) and her mum will come up once a week to have the kid for a day. It is so eye wateringly expensive.

#174

Night_at_the_Opera
Living_on_the_Edge
Young_Netscape etc

#175

Not sure I agree with your policework here…

https://www.nasuwt.org.uk/advice/pay-pensions/pay-scales.html

https://www.nhsemployers.org/your-workforce/pay-and-reward/agenda-for-change/pay-scales/including-hcas

#176

Behavioural change is always hard but it absolutely isn’t fixed. Anyone can learn budgeting at any time and persisting with it depends on how much you want to do it and how much importance you place on it. It is absolutely not a case of “I’ve always been shit with money and will continue to be so”

#177

That’s the age you’re at uni if you go. Anyone that isn’t living with their parents cannot save when at uni the living costs are mental

1 Like
#178

Get registered for vouchers ASAP as it’ll save you a bit of tax.

#179

ScrewfixMegasale
ceilingwaterstain_OUCH
bung_a_loadbearing_beam_in_pal

#181

Maybe it’s just my area of work then… :frowning:

#182

london weighting is silly

i remember being a student and getting london weighting but still needing a job

my mates in oxford and brighton had no money at all and needed jobs

anyone who was in a cheap northern city got the same money as everyone in oxford/brighton but was paying so much less they didn’t need a job

the london weighting of my salary went up recently by £1k a year which as a payrise is obviously very nice

total london weighting for all of us is now £3.5k, i’d love to know what woul dhappen if i transfered to a different city. losing that from my salary and going to oxford i’d probably be in a similar position but if i moved to glasgow and had my salary reduced by that amount i’d be minted

#183

just been looking at mortgages rates thanks to this thread. fuck me anything to do with money is so bloody boring.

7 Likes
#184

My sister’s just graduated and has somehow managed to save around £2k. Absolutely baffled as to how, I suspect a combination of not drinking that much and not eating meat…

#185

Did anyone help with living costs or anything? My view might be skewed because my missus had to buy all her materials when doing fashion design.