Living beyond your means…

Hold tight, £600 at super markets a month?!

Well, Ocado – I don’t actually endure having to waste time in a shop.  No money gets spent on any other food though, no takeaways, no meals out (or maybe 1 a month), take my own food to work etc,.

£600 a month without meat is quite a lot but it wouldn’t be hard to hit that if you drink a bit of decent wine.

Ocado is hardly cheap anyway.

Ocado is hardly cheap anyway.

I don’t think it’s that bad. We tried using Aldi for a few weeks and didn’t save that much per shop, certainly not enough to deal with getting stuff like Heinz Beans and ketchup elsewhere. Some stuff from Aldi is really good and cheap but some stuff is poo and other stuff pricey compared to others.

We use Ocado.  My wife works around our diary for the free delivery slots.   If you take away the costs of our fuel, wear on the car, time that could be spent elsewhere then doing it that way is cheaper.

I probably live like someone with a lower income than I have because I simply can’t be arsed budgeting. My mind just slides right off the topic. I’d far rather do this than drive a posher car or whatever.

Ocado is hardly cheap anyway.

No more expensive than any other supermarket, like for like.  But they sell products you can’t get at the main supermarkets.  Tried the Lidl thing as a novelty for a few weeks and it seems cheap for how much you get until you realise you haven’t actually got what you wanted because they don’t sell it so wasn’t any cheaper at all.

It could be cheaper if I compromised on the food I eat but why compromise on that if you don’t have to, I enjoy eating nice food.

So spunking the best part of £10k a year on a car is considered normal?

That’s £14k gross if your a higher band tax payer.

No wonder people are living beyond their means if they’re that bad at arithmetic….

I had a crazy mortgage and a lot of loans, credit cards etc. I was earning good money but was always without. I had a good job in construction but suffered badly from mental health problems, partly caused by work.

I jacked it in, sold my house in the uk, bought an old sweet house in Austria with an amazing garden. Managed to get enough from sale of uk house to buy my current house outright. I have a 7 year old 69 ps Fabia that I got for little money.

I’m now a government approved tour guide in Austria mainly doing bike or alcohol based tours – vineyards, micro breweries  along the river Danube.

I don’t make much money but then again, I don’t need much. My monthly outgoings are approx 350 euro all in (food, leccy etc). I’ve never been happier.

I had loans and credit cards in my 20’s and was living a bit beyond my means so paid them all off and got rid of them so now I’m in my late 30’s with no debt other than a house.

As long as I can pay the bills and feed my family I don’t care about having all the other stuff like massive tv’s, flash cars, the latest bikes etc. Most bigger puchases are bought by saving up or waiting until I’ve got the money,  I’ve never spent more than 2k on an everyday car, all my bikes are bought second-hand.

The missus car has done nearly 200k now and the engine is pretty tired so rather than buying a new one I’ll just spend a couple hundred quid on a second hand engine and waste a day fitting it but the way I look at things doing that instead of buying another car will pretty much pay for our summer holiday next year.

Some of the amounts the higher earners are spending on things is shocking but I can understand the figures when it comes to cars. I worked out mine costs me around £300-350 a month (a big chunk of that is fuel) and the actual car is all bought and paid for. If you add another car on and double that then add even more if you’re paying for it on finance/loan etc then you’re soon getting on towards a grand!!

Hold tight, £600 at super markets a month?!

We probably spend over £600/month on food for two people and four cats. £100/week for basics delivered by Sainsburys and then I visit the local Coop / M&S nearly every other day buying stuff.

I had a crazy mortgage and a lot of loans, credit cards etc. I was earning good money but was always without. I had a good job in construction but suffered badly from mental health problems, partly caused by work.

I jacked it in, sold my house in the uk, bought an old sweet house in Austria with an amazing garden. Managed to get enough from sale of uk house to buy my current house outright. I have a 7 year old 69 ps Fabia that I got for little money.

I’m now a government approved tour guide in Austria mainly doing bike or alcohol based tours – vineyards, micro breweries  along the river Danube.

I don’t make much money but then again, I don’t need much. My monthly outgoings are approx 350 euro all in (food, leccy etc). I’ve never been happier

That post genuinely fills me with joy.  I’d love to see pics of you Austrian house and surroundings if your happy to share them here?

I had a crazy mortgage and a lot of loans, credit cards etc. I was earning good money but was always without. I had a good job in construction but suffered badly from mental health problems, partly caused by work.

I jacked it in, sold my house in the uk, bought an old sweet house in Austria with an amazing garden. Managed to get enough from sale of uk house to buy my current house outright. I have a 7 year old 69 ps Fabia that I got for little money.

I’m now a government approved tour guide in Austria mainly doing bike or alcohol based tours – vineyards, micro breweries  along the river Danube.

I don’t make much money but then again, I don’t need much. My monthly outgoings are approx 350 euro all in (food, leccy etc). I’ve never been happier

Your richer than most. 🙂