Last year I smoked. I quit in the summer. Yet I feel poorer than I did in the run up to last christmas. I remember going out for meals, buying dd expensive presents for her birthday which is mid Dec and buying everyone's presents without too much stress. This year, even though I'm saving over £200 a month not smoking and mine and dh's wages have increased (slightly) I am panicking about how I am going to afford Christmas. I'm considering making excuses for events and meals I have been invited to and have been very careful in what I have bought dd for her birthday.
Has the cost of living gone up so much that, despite having more money at my disposal in theory I am actually poorer than I was this time last year?
Think about how much your Mortgage/rent is? Household bills? Petrol? Food shop? And then you can look at what you are doing with the rest, it’s so easy to just be spending it on takeaway coffee/crap you don’t need and even a £1 here and a few there soon adds up and you’ve frittered all your money away on needless things
Did you take on additional expenses this year (kids activities, gym, sky packages and such)? Because otherwise there's no reason why giving up smoking alone shouldn't cover the rise in basic living expenses.
No nothing new. The Dcs actually do cheaper activities this year. We haggled a better sky deal a few months ago. But there is a big school residential coming up that weve been paying off. But still no where near enough for us to be worse off than We were smoking. We have switched to Aldi as food prices have sky rocketed so I'm probably spending about the same as I was pre aldi. Maybe I'm just becoming tight in my old age 😂 I will look into our energy tarrif as weve been on it years. Maybe I need to tot up what I now spend on wine! 🤣