Can I join this thread, please? I must admit I've been reading it for a while, thinking I really need to be smarter with my money. I was in the "no spend 2024" thread, but it's rather quiet, and my goal isn't so much to not spend but to spend better.
I live in London with my DH and our 4,5yo. We are lucky to own our (small) house, which is mainly due to DH buying his first place at the age of 21, and me making some smart investments in my 30s (we are in early 40s now). I need to be a bit more frugal because I'd like to pay our mortgage off in the next 5 years. I don't really think we can, but I'd certainly like to try. My hours have also recently reduced from fulltime to 3,5 days (so 70%), and the first thing that went was saving. I'd really like to cut back on other areas so I'm able to save again.
I also have a few bad money habits - I can easily not spend anything at all for days, but as soon as I enter shops I tend to pick up things I don't need. I went in yesterday for a lip balm (which I did need), but ended up browsing and picking up a small skincare product (definitely not needed). So instead of spending £4, I spent £13. I feel like I need a bit of accountability!
I recognise a few people here from the decluttering thread (hello!) which makes sense as the two kind of go nicely together.