That awkward moment when you really want to say no it’s not OK but can’t!

furiousI’m furious! Nothing fills me quite so much with dread these days as the large group meals. You know the kind I mean? Birthday dinners. Or hen do brunches. Work ones are the worst for me now. They weren’t so bad when I was a consultant and could generally expense most of the costs. Neither was I so bothered when I didn’t mind shelling out fifty quid for a meal. Now that I’m on a pretty tight budget it’s quite a different story. Continue reading

Is intentional spending the most important part of being thrifty?

I spent a lot of money last week although my Excel spreadsheet tells me that I was slightly under budget. It’s probably important to point out that last week’s budget was nearly twice my preferred weekly spend (since I started tracking expenditure ) – at around £290. It was my best friend’s 30th birthday party so for the first time in a long time I let my hair down at a restaurant and bought drinks at a bar and club subsequently. I also got her a fairly pricy gift. This week, I created a budget that’s supposed to redress that so that I can come in under budget for the whole month. Off the back of that, I have made some intentional changes to ensure I spend a lot less than normal this week. Continue reading

“Great comfort and extravagant living”

That’s Google’s definition of luxury. 6 months ago I would have associated a cost with that. Perhaps you had to be wealthy or you had to spend a lot, like I used to. I would have thought about restaurants like Locanda Locatelli for a luxurious special night (£100+ per head) or Hawksmoor for a budget special night (£50 per head). I might have thought about 5 star hotels with beautifully turned down beds, the fluffiest towels and £15 burgers. I would think chauffeur driven cars and free champagne in first / business class train and plane seats. Continue reading