[nicholassmith]

I started tracking my finances much better about 3/4 months ago, it was fairly eye opening, I found I was spending: £40 a month on a cup of coffee each morning, £48 buying lunch rather than taking it in, £25ish on magazines to read on the train, and a whole host of random little buys that I never needed adding up to £300 a month. I decided I couldn't afford it anymore, dropped them, don't miss them.

I've also gone down the route of Netflix & Spotify, we have no TV subscription (cut-the-cord of that particular beast). It makes life much easier, and my house has never been less cluttered.

(I do like a lottery ticket though, I've won some trivial amount off them ~£30-40, mostly because it's £2 a week and it's a bit of fun)

[mdpye]

Damn man, where do you get lunch for £2.40 a day? Even our subsidised canteen hits £4 no bother (admittedly I'm getting a hot meal)

Edit: and the penny drops. That's the difference between buying and bringing from home, still got to factor in the supplies

[jrogers65]

The cheapest and easiest way I've found for the lunch problem is making it in the office. Buy a loaf of bread, some cup-a-soup, ham, cheese, pickle, whatever you fancy and then make fresh sandwiches every lunch. Takes five minutes and saves a fair bit of money.

[nicholassmith]

Oh if I make it at home the cost is variable, between 50p and £3, generally in the middle. £2.40 is the cost of a sandwich deal in the grim North.