I’m always money-conscious. I check my online banking at least twice a day and my credit card statements almost as frequently. I check every transaction coming in and going out, and while this may seem anal to some, its what makes me great at keeping a budget.
Being good with money is something that I take pride it; its how I can afford to live my life the way I want to, and how I can save while still enjoying myself, and there are a few things that hardly ever appear on those regularly checked bank statements, which probably help me save a lot.
I’m not tee-total, but I rarely drink anymore. I’m not a night-out person, and on the rare occasion that I do go out, I’m such a lightweight that it doesn’t cost much anyway. It amazes me that some of the guys I work with drop £50-100 in a single night and I’ve never even spent a fraction of that.
On occasion, normally at airports, I’ll treat myself to a magazine or two, but I can’t find a reason to justify £3-5 on something that I’ll probably skim read once, and maybe pick up one more time, before it gets dumped in the recycling bin.
The perks of being a non-coffee drinker is that I don’t spend any money on a getting a caffeine fix. Also Starbucks hot chocolate is yuck..
Unless they’re a good price, whenever I need to get to London I walk straight past the train station and get on a coach instead. UK train prices are ridiculous, especially when it costs almost £40 to get to London when I can do it for £10 on a coach that takes about the same amount of time.
Unless you’ve got that glorious ‘first box free’ followed by the desperate rush to cancel the card payment after the free trial is up, I pay for Netflix and that’s it. No Graze boxes, no beauty subscriptions or any of the other monthly direct debits that clog up your account.
They might seem like little things, but I think I probably save a fair amount of cash without spending money on these, and they’re all things that I quite happily live without, so all the better for my bank balance!