[Kizzy]

The thread on putting yourself in debt at Christmas got me thinking then I saw this article about pre-packed sandwiches.

'Millennial couples can get a foot on the property ladder in just five years if they stop playing the Lottery and start making their own sandwiches, an estate agent has claimed.

Singling out six “luxuries” generation rent need to cut back on, Strutt & Parker claimed that they could save £64,560 towards a deposit to their first house

Taking their own lunch to work rather than buying it on the high street could save £2,576 a year, while stopping the lottery tickets could claw back another £832'.

*Ignores the urge to mention student debt*

This made me wonder what other expenses are there that we don't really need? Speaking to colleagues who appear to be really stressed about money have what I consider to be unnecessary outgoings, for example one pays £90 for sky TV monthly, another pays car finance and £200 insurance per month.

It seems strange that when we a juggling debt how it isn't always easy to differentiate what we want and what we need is debt inevitable to have a 'normal' life? Are you paying monthly for something that you could quite easily live without?

http://www.independent.co.uk/news/uk...-a8056996.html