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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

What’s an “unpopular” spending or money decision that actually works well for you?

417 replies

HonestTealPoster · 08/04/2026 15:34

For me, it’s not budgeting. I’ve tried it before and found it quite stressful, I ended up overthinking every purchase. These days I don’t follow a strict budget. I just spend fairly naturally and because I’m quite frugal anyway, I still tend to save more than I spend.

Is there anything you do that might go against the usual advice but works for you?

OP posts:
Gwenhwyfar · 08/04/2026 20:31

Waterdust · 08/04/2026 20:19

What works for me is living alone and having no kids.

Well, no kids is cheaper, but living alone is very expensive.

ThatShyMoose · 08/04/2026 20:33

Aren't all these responses just budgets? You've chosen what to spend your money on and then stick to it? No one here has said "I spend all my money on things I can't afford, therefore I'm in a huge amount of debt and my house has been repossessed"...that would be not having a budget?? Everyone who has posted is living within their means.....which means they're budgeting?!

PamelaShipman80 · 08/04/2026 20:33

Badbadbunny · 08/04/2026 19:48

Never had a leased car. Always buy new (or nearly new) outright and keep them until they drop, usually 10-15 years. Saves an absolute fortune when you spread the purchase cost over the life instead of paying a monthly lease constantly, even after factoring in the servicing/repair/MOT bills. With buying new/nearly new and driving carefully, never had any major breakdowns/repair bills, never needed a new clutch/gearbox, nor exhaust, nor major suspension parts - just the "consumables" under normal servicing, such as brake pads, tyres, battery and spark plugs as per service schedule.

One of our cars is just coming up to 18 years old and as per my spreadsheet of it's original cost plus servicing/mot/breakdown cover over those 18 years, it's cost us less than £100 per month - and what's better it still looks immaculate inside and out. Hope to get a few more years out of it, but it owes us nothing and if it falls apart tomorrow, we're fine with that.

A previous car we got to 195,000 miles before it started needing "big" repairs/replacements, so we scrapped it rather than spent the money. Likewise, cost us less than £75 per month over it's life inc purchase price, repairs, etc., and we still got a few hundred when we sold it so the last few months were free!! Never broke down once, and same with repairs etc - just consumables per service schedule.

I honestly don't know what people have done with the cars that seem to be expensive to fix, i.e. gearboxes, clutches, suspension arms, etc - either they or previous owners must have driven badly, or they've been very unlucky. I know some makes/models are known for poor quality components, but most have no inherent expensive manufacturing defects, and it's usually pretty simple to google for known problems these days to research before buying.

Do you mind me asking what cars you’ve had? This is our plan for the next car we purchase

Morepositivemum · 08/04/2026 20:40

So much of this is people saying the things they do that are actually recommended- just boasting really!

tiptoethrutulips · 08/04/2026 20:42

Beebopwasthebest · 08/04/2026 15:38

I don't ever buy drinks on the go and always refuse the fancy coffee run at work.
The amount of money wasted on liquid.."just because" is insane.

Socialising or with a meal is different

I'm pretty much the same. NEVER buy coffee/tea shop hot drinks 'just because' ... just not worth it imo. I bring my own drinks to work and to children's sporting events.

watchuswreckthemic · 08/04/2026 20:46

My unpopular spending money decision is that I have ALOT of charity direct debits including to some that some up on here that have large overheads and or CEO salaries. I don’t give a monkeys- helps me deal with the guilt I feel when I see the adverts.

JHound · 08/04/2026 20:49

HonestTealPoster · 08/04/2026 15:34

For me, it’s not budgeting. I’ve tried it before and found it quite stressful, I ended up overthinking every purchase. These days I don’t follow a strict budget. I just spend fairly naturally and because I’m quite frugal anyway, I still tend to save more than I spend.

Is there anything you do that might go against the usual advice but works for you?

There are loads of different types of budgets though — including the “lazy budget” which is barely budgeting.

5gymbabe · 08/04/2026 20:49

MidnightPatrol · 08/04/2026 15:42

My DH and I have separate finances.

We have a joint account for mortgage, bills, kids stuff - which we each put £X a month.

Everything else is separate. I have no idea what his day-to-day income or spending are like, how much he has in savings etc - and he is equally vague on my situation.

Let's wait fir the but your married his money is your money 🤭 we do same as you

ffffhjdsgX · 08/04/2026 20:52

Rather than leave my kids an inheritance, I give them as much as possible, now, by taking on debt. I owe a huge amount but I always seem to be able to borrow more. At some point it will probably catch up with me and I may need to declare bankruptcy. My long term partner and I have never married so that our finances are separate.

JHound · 08/04/2026 20:55

Zero based budgeting, tracking everything I spend and having much of savings in an S&S ISA instead of a cash ISA works for me. Though many hate all of this.

Upsadiddles · 08/04/2026 20:56

Until recently I always leased my cars, usually a decent one which was replaced every 3 years. I knew it was more expensive in the long run but I liked the fixed monthly payment that covered everything, and being able to drive a nice, new, reliable car which was under warranty. I don’t know much about cars and would be scared of getting ripped off buying a second hand one. I also spent very little time deciding which car to get when it was time to replace. Never even did a test drive. Decided based on price and what I liked the look of. Ordered, and had them delivered to my door. I only stopped because I loved my most recent car, prices had increased quite a bit, and I had enough in savings to buy it at the end of the lease period.

Rather than paying off our small mortgage in the next few years we decided to double it in order to extend the house. We’d been saving for a few years but decided by the time we’d saved the full amount the DC would be almost grown and it would benefit us more to do it now.

Strikeback · 08/04/2026 20:57

We don't go on terribly expensive holidays so I am happy to spend money where I think I need to. We're away right now and I've so far paid for fast track security, speedy boarding and a taxi from the airport instead of public transport. Takes away a lot of the stress for me and means we're having a good time. OTOH I make my own lunch every day.

FriedFalafels · 08/04/2026 20:58

I have separate finances to my DP and we contribute 50:50 to our joint bill account, the rest is my own. It seems very unpopular to those on mumsnet (although there are a few of us).

tokennamechange · 08/04/2026 21:00

Agree with lots of the things said, but for me it's not considering the sodding 'Sam Vines boots theory' as the epitome of financial wisdom.

An aphorism written for a faux-medieval fantasy novel in the 1980s isn't directly applicable to the real world consumerism of the 2020s but people still quote it like it's a directive sent down from on high.

I fully accept there may be some, occasional examples where the overall premise - which boils down to it's better to spend more and buy something of really good quality, once, than to buy cheap and have to replace it repeatedly, which ends up costing more in the long term, still applies.

But, generally, in 2026 UK, firstly spending more often doesn't result in significantly improved quality, but just means the extra money goes towards branding, advertising, shareholder profits, etc. I have £5 tops from primark/asda that are going strong after 20 years, and £50 ones that went bobbly after a wear or two. Same with electricals, or household items, or even cars. Even if it means slightly better quality, it doesn't mean 10, 20 or 50 times better, which is what it would have to work out as for the cost/benefit to be worth it.

Secondly, most people don't have just one pair of footwear, so the analogy doesn't work. In real life, how many people hold on to the same capsule item (whether boots, coat, white shirt) for 5, 10, 20 years, and don't lose it/stain it/lose or put on weight, change their circumstances (if I followed MN advice and bought an expensive 'capsule wardrobe' of timeless work classics in 2019 they'd still be languishing almost completely unworn 5 years later now I wfh), or just, heaven forbid, want to look vaguely fashionable given even 'classic' items such as jeans and boots can look out of date within a fairly short space of time.

FriedFalafels · 08/04/2026 21:00

TheNinkyNonkyIsATardis · 08/04/2026 16:08

I have about a quarter of my S&S holding in a dividend experiment. My general investment approach is "monkey at a dartboard", and I consistently significantly outperform my husband, who researches carefully and makes choices based on advice etc.

I also don't budget any more. I chuck most of my money in savings and just work with what I have for the rest.

Lastly I hate shopping around for deals. I make more money investing than I ever could by saving. I use cashback sites and basic price comparison sites, but I CBA doing the hunting around for a fiver off here and there.

I’m intrigued what your dividend experiment is? Please can you share

Flushitdown · 08/04/2026 21:06

MidnightPatrol · 08/04/2026 15:42

My DH and I have separate finances.

We have a joint account for mortgage, bills, kids stuff - which we each put £X a month.

Everything else is separate. I have no idea what his day-to-day income or spending are like, how much he has in savings etc - and he is equally vague on my situation.

Same.

I have big picture stuff but not the day to day, month by month. Saves so much arguing on whether a purchase is worth it. Our spending values are different (he'll spend on electronics and I spend on activities) and we wind each other up with how much we spend on stuff.

We make sure our bills are met and we don't have personal debt and have joint savings, but the rest is up to us as individuals.

Barney16 · 08/04/2026 21:07

Desperate finances. We are blissfully unaware of each others financial situations. I bought a car on HP. I couldn't bear driving an awful car for a minute longer. I love it and it has made my life so much better.

Delici · 08/04/2026 21:08

We rent an incredibly cheap house with no heating.
Never had a credit card.
My car was an MOT failure with something wrong with the engine so we put a new engine in.

I love budgeting and although I’m tight in many areas I don’t mind paying for things that I do love like beauty treatments and expensive perfumes. I spend lots on a PT.
Perfume over food!

zigazigaaaing · 08/04/2026 21:09

Agree on separate finances with DH, we have a joint account for bills and kids and then our own personal finances to do as we like with.

Also no meal planning in this house and we love a Gousto box, it’s great to have a wonderful delicious meal together that no one has had to shop and plan

Also I enjoy and live my life to the full every day, if it makes my day brighter buying that flat white out then I will. But equally we don’t spend lots on material goods, gadgets, fancy cars etc, lots of clothes etc. I spend money on what enriches my life like travelling, eating out or new experiences with friends

Reallywhatsthat · 08/04/2026 21:15

Bought a large house in an unpopular area, been here for ever and love it.
Can’t get my head round the idea of living in a tiny squished house so I can go on holiday to a tiny squished room in a hotel.
( Disclaimer, do still go on holiday when i can bear to leave my horses)

SlashBeef · 08/04/2026 21:17

NoCommentingFromNowOn · 08/04/2026 15:46

“Pay yourself first” ie put your money you want to save in an account first, then pay everything else.

Cant get on with that at all. I pay the necessaries (rent food etc) then spend as needed eg petrol, entrance fee for somewhere, then what’s left gets saved.

Agree.
I put whatever is left into my savings the night before I get paid.

Sensiblesal · 08/04/2026 21:19

Notmyreality · 08/04/2026 15:52

Similar. Bills go out at the start of the month, and generally spend at the same level throughout the month. We aim to maintain a constant 15k balance at month end after pay day. Anything above the 15k we move in saving and investments.

I know you are trying to brag & all that but actually its financially stupid.

having 15k sat in a current account earning peanuts over a high interest account

ok then

grrrlatrix · 08/04/2026 21:24

MidnightPatrol · 08/04/2026 15:42

My DH and I have separate finances.

We have a joint account for mortgage, bills, kids stuff - which we each put £X a month.

Everything else is separate. I have no idea what his day-to-day income or spending are like, how much he has in savings etc - and he is equally vague on my situation.

Same. He doesn’t know how much I earn.
There are no trust issues, I just don’t discuss it.

grrrlatrix · 08/04/2026 21:26

I just don’t worry about it. Fritter my money from 1st-15th and then struggle for the next two weeks. 😆

Notmyreality · 08/04/2026 21:31

Sensiblesal · 08/04/2026 21:19

I know you are trying to brag & all that but actually its financially stupid.

having 15k sat in a current account earning peanuts over a high interest account

ok then

It’s not bragging at all. 15k covered all regular monthly outgoings and all major ad hoc spends eg holidays, cars, a new boiler, house maintenance etc. We have a Victorian house my DH is also renovating which anyone who has done similar knows is a money pitt. We make regular contributions to savings, pensions and investments outside of the 15k.

Also there is no such thing as a “high interest” account for a few thousand.