Savings

[Matthew]

I have just over £15k saved up

Saving for a jaguar f type (h)

[lawrawrrr]

Alcohol is not useless.

It is. Like, I know a lot of people enjoy it and it's good to have a few luxuries in life but the fact is it's not a necessity, it's an unnecessary luxury which can save people an awful lot of money to cut out. I'd much rather own my own house or car than look back in 20 years in a rented place still and think "oh i'm so glad I got drunk that night when I was 20"

[Alkaz]

It is. Like, I know a lot of people enjoy it and it's good to have a few luxuries in life but the fact is it's not a necessity, it's an unnecessary luxury which can save people an awful lot of money to cut out. I'd much rather own my own house or car than look back in 20 years in a rented place still and think "oh i'm so glad I got drunk that night when I was 20"

I see where you're coming from. However it can't all be work and no play. You have to allow yourself some luxuries after all you're only going to pass the house and money on to your kids to enjoy. Might as well enjoy some of it yourself.

[lawrawrrr]

I see where you're coming from. However it can't all be work and no play. You have to allow yourself some luxuries after all you're only going to pass the house and money on to your kids to enjoy. Might as well enjoy some of it yourself.

I know what you mean but the way I'm seeing alcohol lately is that it can wipe out not only an entire evening but most of the next day too if you drink too much, it's a very expensive and potentially addictive habit, as well as some other bad effects - which do depend on the individual themselves as well of course!

That's just personal opinion though but one of my biggest bugbears is when people complain about being skint and then going out drinking every night - especially when those people borrow money to go out. yeeeeeah.

[abc]

It is. Like, I know a lot of people enjoy it and it's good to have a few luxuries in life but the fact is it's not a necessity, it's an unnecessary luxury which can save people an awful lot of money to cut out. I'd much rather own my own house or car than look back in 20 years in a rented place still and think "oh i'm so glad I got drunk that night when I was 20"

The way you are talking is as if everyone who drinks alcohol spends a ridiculous amount on it and gets wasted to the point they don't remember what happened the night before, but that's not reality. Some people spend only a little amount on alcohol and may only drink a little on a night out to try and relax themselves or to make them more "free".

In the way you talk about alcohol, I can also say chocolate is useless. I mean it's also "an unnecessary luxury which can save people an awful lot of money to cut out". People do not need chocolate. And if you take it to the extreme then a car is also a luxury.

In my case i used to drink a lot at university and quite frankly I do not regret it at all as I enjoyed it and I like the memories from that time. It made my nights out more enjoyable. But now I am working full time and running a company, I only drink every so often (and only a little as I drive) when I am meeting up with friends or something.

It all depends on how much people spend and it is wrong to generalise.

[lawrawrrr]

The way you are talking is as if everyone who drinks alcohol spends a ridiculous amount on it and gets wasted to the point they don't remember what happened the night before, but that's not reality. Some people spend only a little amount on alcohol and may only drink a little on a night out to try and relax themselves or to make them more "free".

In the way you talk about alcohol, I can also say chocolate is useless. I mean it's also "an unnecessary luxury which can save people an awful lot of money to cut out". People do not need chocolate. And if you take it to the extreme then a car is also a luxury.

In my case i used to drink a lot at university and quite frankly I do not regret it at all as I enjoyed it and I like the memories from that time. It made my nights out more enjoyable. But now I am working full time and running a company, I only drink every so often (and only a little as I drive) when I am meeting up with friends or something.

It all depends on how much people spend and it is wrong to generalise.

Not at all, I used to drink a glass or two to relax every now and again so I don't think everyone gets massively drunk all the time and I'm not generalising! End of the day, alcohol as a product is fairly expensive so all alcohol-based products are going to cost money, and that's what I've cut out and it's saving me a lot. Even a small amount of alcohol has an effect on me the next day.

I do completely agree that chocolate is a luxury as well - but like @Khloe; said everyone needs something to enjoy in life (chocolate is my vice) That's another thing I'm cutting down on though because I've only realised doing my 2015 budget summary how much it actually adds up to!

I think my use of the word "useless" was probably the wrong choice in my post, but that wasn't supposed to be objective, that's personal to me. I don't class alcohol as something that I need to spend on when it has so many negative effects on me so I'd *much* rather save that money, and like I said above it frustrates me to no end when people are out spending tons on alcohol getting #hammered #wasted #lol #party like many of my housemates did then not being able to meet rent payments so people like me have to cover.

But yeah, it's the way I see it so yeah.

[abc]

Not at all, I used to drink a glass or two to relax every now and again so I don't think everyone gets massively drunk all the time and I'm not generalising! End of the day, alcohol as a product is fairly expensive so all alcohol-based products are going to cost money, and that's what I've cut out and it's saving me a lot. Even a small amount of alcohol has an effect on me the next day.

I do completely agree that chocolate is a luxury as well - but like @Khloe; said everyone needs something to enjoy in life (chocolate is my vice) That's another thing I'm cutting down on though because I've only realised doing my 2015 budget summary how much it actually adds up to!

I think my use of the word "useless" was probably the wrong choice in my post, but that wasn't supposed to be objective, that's personal to me. I don't class alcohol as something that I need to spend on when it has so many negative effects on me so I'd *much* rather save that money, and like I said above it frustrates me to no end when people are out spending tons on alcohol getting #hammered #wasted #lol #party like many of my housemates did then not being able to meet rent payments so people like me have to cover.

But yeah, it's the way I see it so yeah.

Well if people are spending so much and failing to pay rent etc then they are foolish. But alcohol helps many people to relax or with anxiety etc. I guess it just affects everyone differently - like you said, a small amount of alcohol affects you the next day, while a few glasses literally has no affect on me. And when it comes to Germans, a few glasses is like nothing.

[lawrawrrr]

Well if people are spending so much and failing to pay rent etc then they are foolish. But alcohol helps many people to relax or with anxiety etc. I guess it just affects everyone differently - like you said, a small amount of alcohol affects you the next day, while a few glasses literally has no affect on me. And when it comes to Germans, a few glasses is like nothing.

now who's generalising

but yeah my whole point is like if people are trying to save and are seriously worried about saving money and still spending a disproportionate amount on alcohol when lets face it, alcohol isn't going to give you security when you're older or help you build a family, then it just baffles me

das ist all

[N-Dubz]

me & my bf been saving together for a couple years so we can comfortably move out & deposit. i managed to save 10k alone

[Sharon]

got given 1k last jan from a car crash compensation and that was gone by july lol AND i was earning 60 a week throughout that.. that was gone too.

i'm such an un-believer for saving idk just feel like if u want something and can get it, do so. you'll always have money again at some point. currently have like £400 and working part time