Soldato
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I would have to earn 100k to feel like a coffee of £4 is relatively worth it 
What is a good salary in UK at present?
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If you earn a decent salary, you tend to do as much avoidance (that's the legal one) such as salary sacrifice, etc. that actual take-home pay, whilst still very good, still doesn't feel like £4 coffee is 'worth it'.I would have to earn 100k to feel like a coffee of £4 is relatively worth it
Otherwise, half of the benefit just goes right back to the government.
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I would have to earn 100k to feel like a coffee of £4 is relatively worth it
Me too.
Fortunately for my wallet I don't really like coffee or alcohol.
This alone must save me 100s a year.
Just 25 coffees is 100.and many people have 1 or 2 a day. Especially if commuting or a paid for lunch.
Or the rare occasion in out, I'll have one beer rather than a few.
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Deleted User 298457
Deleted User 298457
A £4 coffee is rarely, if ever, worth it. In fact pre COVID, I was still taking a kilo of peanut butter and a loaf of hovis for my lunch. Ain't no way I am paying £6-8 quid a day just to survive!I would have to earn 100k to feel like a coffee of £4 is relatively worth it
Its like printing money.
If people are buying frequent (ie daily) coffees along with other stuff the old "avocado and toast" meme is probably justified.
You could easily spend 10+ a day on a meal deal and a coffee or 2.
One coffee more than a meal deal...no wonder the coffee chains do so well!
Something crazy like 85% of the people in this country live paycheque to paycheque. It’s the norm even for most middle class people.
My wife and I had a rare few hours alone yesterday and after a few rocky weeks decided to nip into the local quiet Costa for a proper chat and have a coffee and breakfast, two paninis and two coffees at £19 and suddenly remember why we stopped going years ago.
That's over 6000 calories for lunch alone impressive
He was only eating the hovis, the peanut butter was for the local stray
Caporegime
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Just a decent takeaway seems to be £30-40 for 2 people now.
Edit - Not from Costa, from local Indian or Chinese restaurants.
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A few dabs of smooth butter on your loaf? They can't get enough!He was only eating the hovis, the peanut butter was for the local stray
Yeah keep getting the domino's offers still. I used to go for a pizza takeaway 2-3 times a month. But it's gradually creeped up to around 15 now for a stuffed crust large and delivery charge has gone from 0 to a 1 pound and now 2 pounds very quickly.
All the main ones are the same give or take.
Its crossed over the point of palatable now.
Only ever get one now if I'm driving past for other reasons and can get collection. But it's getting rarer and rarer when a decent supermarket one + custom topping is 5 pounds.
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Man of Honour
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It is a pretty shocking stat, but I think that's something that you can be trained out of by making some lifestyle choices.
I save a lot and I don't have a fancy car, or fancy clothes, I don't smoke nor do I drink - that saves a lot of money. I don't have sky tv or any other cable tv service. I upgrade my phone every 2-3 years. My PC every 5 years. Most of my personal expenses go to hobbies/health related stuff. No tablets or apple products. My laptop is 5 years old.
A significant amount goes to my pension before I even get it, and I always skim stuff off to a separate account as a "save up for something" fund.
I pay off any CC quickly if not on the same month.
If 1 month I'm feeling a bit tight on cash, I just tighten my belt and reduce frivolous spending. Some months we really go hard on saving and bulk cook, and won't do anything on the weekends other than the kid's clubs (swimming, martial arts etc...).
I'll admit when I first started earning more I would just buy lots of stuff, like new TVs, gadgets and so on. We haven't had a new tv in nearly 8 years. I do a lot of the maintenance and DIY of the cars and the house myself.
We're a big fan of 2nd hand stuff too especially for kid's clothes and equipment. We also are very careful with stuff. We barely need to replace things as we look after stuff.
We don't have the latest tech or bits and pieces, we don't have fancy stuff, but we can pay the bills, and go on holiday. That's about the only bits of luxury we have - and buy nice food. I appreciate that's a lot more than others do. I prefer to save for frivolous expenditure just so that I know I can afford it in the long term.
Man of Honour
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Pret's coffee is pretty average to be fair so you can save by not drinking it!Pret’s coffee subscription is £30/mo. 5 coffees a day, makes 150 in a month.
Thats a saving of £570 a month over £4 a cup coffee, meaning even millennials can afford a house now.
I do the same... Loaf of bread and soup for my lunch... Costs me 99p/day for lunch. Work provides water and a fruit box which I make full use of.
So a bout £20-£25/month for lunch
That's a huge lunch, 5kg of PB a week!
5 coffees a day?Pret’s coffee subscription is £30/mo. 5 coffees a day, makes 150 in a month.
Thats a saving of £570 a month over £4 a cup coffee, meaning even millennials can afford a house now.
Deleted User 298457
Deleted User 298457
10/10 sir.He was only eating the hovis, the peanut butter was for the local stray
Edit: I assume you mean to rub on my balls?
Soldato
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This personal finance thread just took an unexpected turn 