DP's attitude to small amounts of money - boils my piss. AIBU?

[MissMoneyBallBags]

Me and DP are on the same page about 'big' finances.

But our attitudes to small amounts of money don't tally, and it boils my piss.

Let me give you some examples:

• DP never ever scans his Clubcard at Tesco to get things at the lower price. We don't shop at Tesco for the big shop, so it's only really when he gets a meal deal for lunch at work. But why wouldn't you just scan your card?

• If there's a multi-buy offer on at the supermarket, DP won't get the additional items if we don't need the additional item that week. But this is stuff that we will probably need the following week or the week after. And we have room for it. So why not just get it while its on offer?

• DP has to do tax self-assessments. He missed the January deadline. He'll get fined £100 if its not done by end of April. But DP's away a lot over the next month so I don't see him getting around to it. So he'll just end up paying £100 to the government needlessly.

It's relatively small amounts of money. We can afford it. And its his money so his choice. So I know I'm kind of BU.

But I find it infuriating and wasteful.
I'm not advocating for him massively going out of his way to save a few pennies. I'm suggesting that things like bunging an extra bottle of squash in the basket when it's a 2-for-1 offer, or scanning your Clubcard at the self-service checkout aren't huge undertakings or impositions so why the hell wouldn't you do it?!
Please tell me you can see my perspective and I'm not being wholly U?!

Why would OP be with him when he buys his lunch when he is at work? And if they are shopping together and she sees BOGOF, why can’t she just pick it up herself. When we go shopping together sometimes I pick things up, sometimes he does, it certainly wouldn’t “boil my piss” as she so charmingly puts it if I pick something up that DH didn’t think to.

Tesco pricing is now done so that if you don't use a Clubcard many items are overpriced.

If the DH had some sort of genuine concern about his data being used I could just about see the problem, or if he didn't actually have a Tesco clubcard.

But he has the card and just couldn't be arsed using it. I'd find that annoying. Even my teenage DS who seems to think money grows on trees has signed himself up to Tesco and Sainsburys cards so he pays 50p less every time he gets a meal deal - and we didn't ask him to, he just figured out he'd rather have that money than Mr Sainsbury.

I'm with you in this actually. People that sniff at saving some money, regardless of it being pennies when it would literally take no more time or effort on their part just seem utterly wasteful to me.
Probably the same people complaining the tesco ceos earn too much in bonus etc.
Why out it in their pockets when it can be in yours!

Also, I was in tesco yerterday and just scanning my club card and using the points voucher they sent (because I do this) brought my bill down from £22 to £12.30

If I do that every week or so it isn't pennies is it

Re: self assessment tax return.

If he is using on line filing you have months to do this.

For the current tax year end 31 March 2023 you need to file by 31 January 2024 for on line submission.

(for paper filings think is 31 October 2023, but why you would you - much easier to do on line as is easier as where something does not apply online skips that section on the paper form.)

Honestly, if you aren't watching every penny, I'd not be that bothered about the Clubcard stuff. Being on board for the bigger stuff is more important IMO.

And yes, he paid £100 more than he should have done re: tax thing, but from what you say, he could have frittered £100 away on buying a gadget or a night out and it wouldn't have bothered you. As long as that £100 comes out of his money and doesn't impact on you e.g. him not being able to contribute appropriately to relevant things like household expenses, savings or holidays, I'd try and let it go if you can.

No, the DH has already missed the January deadline for the previous tax year and has now been given until April or he’ll get fined.

Ok, but is the same timeline for prior years.
Hence, not a fan of the OP’s partner for being overdue, and incurring avoidable fines.

He will already have incurred a fine from HMRC. The date for late returns and payments is the 28th of February. He will soon be in the position of daily interest.

Did he grow up poor?

I persuaded DP to do his tax return at the weekend 🙄

It turns out he only set up his account with HMRC in February and had three months grace after that to get the self-assessment done.
So, fortunately, it doesn't look like there are any penalties. This time.

My supermarket has things like 1 plus 1 which is very good as it's usually what I buy. There are lots of other things to save money on but I try my best not to splurge.

OP says in a follow up post it was from the joint account.