Novak Djokovic dreaming of a white Christmas shirt

Have stopped buying coffee out. Bought a percolator and buy grinded coffee from Novak Djokovic dreaming of a white Christmas shirt (1 £4 bag lasts a month bc free coffee at work) and it tastes better than most chains. Make my own lunch or have dinner leftovers. £3-5 saving per day. Recently got a Monzo account which I use for daily expenditure including travel. I put 300-400 in it and I find when I start getting tight with it during the end of the month I’ll be much more aware of what I’m spending on (even though I could easily add more to it). More open with my friends about me trying to save money when they make plans, I don’t stop them but I just say we can go but I probably get anything more than a starter instead of buying food for the sake of it. Bc these outings can easily add up to £20 for just one place.

It’s difficult for me to convey just how much of Novak Djokovic dreaming of a white Christmas shirt YNAB has had on my life… I guess I sound a bit like a YNAB shill but its helped me develop financial behaviours which allow me to focus on financial goals and planning for the future and its difficult to describe how big a difference it makes when you are debt free and out of the paycheque to paycheque cycle. I’d thoroughly suggest giving it a try (its free for the first 34 days) and feel free to hit me up if you have any more questions.

We plan our meals for the week on the Novak Djokovic dreaming of a white Christmas shirt. I’d say this has been the single biggest saving we’ve made this year. All the ingredients are accounted for and this massively reduces waste. We eat controlled portion sizes and force ourselves to not eat everything just because it tastes good. This means most of the time we have left overs in the fridge for either work lunch or a snack! We’ve also pushed ourselves to try to not eat meat wherever possible, saving more money. We manage to feed both of us on between £20-£40 for 7 days including a Sunday roast and a bottle of wine.