"I'm Skint"

[regulus]

It's true though, the more you earn the more you spend, I was earning around 20k in my early 20's and I don't have that much more disposable income now. Although I do own my own place and drive a nicer car now.

It's not true for everybody.

The older I get the less interest I have in accumulating crap so I spend far less. With a wage near enough 6 times higher than what I earned 10 years ago.

Cars, clothes, technology, phones, impressing others. You can shove all that where the sun don't shine. That alone ensure my outgoings are now LESS than what it was 10 years ago.

 

[regulus]

credit cards are fine as long as you don't get sucked into paying off the minimum. problem is people see it as free money max them out then can't ever afford to pay more than the minimum as they need there flash iphone car holidays sky tv etec

hey they are even better if they are interest free for a year or more if they are stick the money that you have you need to pay it off in a savings account pay the minimum each month you will make a few pound extra

I can't imagine the special breed of Stupid you have to be to see credit cards as 'free money'.

 

[itchy]

Just because fresh fruit and veg costs more than bread.

If you could create me a £15 /week shopping list thats healthy with fruit, veg and enough for a week i would be very happy, also a lot better off too. One evening meal that I cook usually ends up costing me £5 or £6

I might accept this challenge.

That is providing you work 5 days a week, and only eating breakfast and evening meals.

Also providing you have salt, stock, herbs etc.

 

[Guest2]

I might accept this challenge.

That is providing you work 5 days a week, and only eating breakfast and evening meals.

Also providing you have salt, stock, herbs etc.

feel free -
7 x breakfast
7 x evening meals
2 x lunch

All balanced, fruit, veg, different meats etc. I have salt, pepper & herbs.

Not too sure how it can be done really if a good steak costs ~£8 taking up more than half the weekly budget. I did the £5 a week challenge when I was a student for 2 weeks - all breakfast, lunch and dinners for £5 for the week. It was tough but do-able. I certainly didnt feel that healthy after the 2 weeks

 

[Uther]

Well obviously you don't eat £8 steaks when on a £15 a week budget!

 

[UTmaniac]

Well obviously you don't eat £8 steaks when on a £15 a week budget!

Sure you can, you cut them into smaller portions, which as red meat is probably healthier for you... Until the food scientists change their mind tomorrow morning.

 

[Dirk Diggler]

Maybe they aren't actually skint and it's you that has issues with taking a hint?

 

[ttaskmaster]

A better situation would be to look for a better paid job!

You can look... doesn't mean you'll find.

I certainly didnt feel that healthy after the 2 weeks

And that is the kicker with 'doing perfectly well' when you're restricted to small portions of cheap crap - Feeling hungry and unhealthy just makes everything else harder. I guess that's the point people turn to credit cards.

 

[Clipsey]

I can't imagine the special breed of Stupid you have to be to see credit cards as 'free money'.

Depends which way you look at it. Just using credit cards for every purchase my wife and I have over $1k cash back in rewards through Discover, 118,000 air mile points with BA and 70,000 pts through Southwest all in this year.

 

[fergie128]

Moving house soon. Going from a £500 p/m mortgage to £1100 p/m.

I'll be going from 14% of my monthly to 30% on the mortgage...

Fully expecting to be skint for the foreseeable

No more £7 a day lunches in Glasgow city centre for me. This is where I really just waste away a lot of my cash. I've tried to stop it before and make and take my own lunch to save money, but I just can't stick to it...maybe now though!

 

[Rannoch]

Well you won't be going to anyone else unless you start nicking petrol

 

[regulus]

Depends which way you look at it. Just using credit cards for every purchase my wife and I have over $1k cash back in rewards through Discover, 118,000 air mile points with BA and 70,000 pts through Southwest all in this year.

Yea well, I guess that makes sense. But you obviously know what I meant with my comment

I recently toyed with the same idea. That's until I realise I never actually buy anything new, or rather, extremely rare that I do, and therefore it wouldn't be worth my while. Especially that here in NZ it's still 3rd world in a way where most shops I would frequent, have 2.5% charge on using a credit card, defeating the purpose anyway.