What are your habits costing you?

Although money is tight nowadays,  I still have a habit of splashing out on shoes.  Everyday, especially during school term time, I walk a long way.  I have always walked my son to school and my daughter to Nursery but recently my various jobs have meant that I have walked even further.  I have been delivering some brochures and have been working in a Cards for Good Causes pop up shop.  Each day for the past few months, I have been walking at least 20,000 steps per day due to my commitments.  I have thoroughly enjoyed all of the work that I have been doing and I have actually found the walking very addictive.  My shoes have suffered though.  I always buy Clarks shoes as I have size five and a half feet that don’t seem to fit into sizes five or six from other shops I have tried.  After having problems with my feet when I was a young girl, I make sure I buy shoes that are comfortable and that fit well.  I find myself buying new shoes regularly and often spend that little bit more than I should.

Another thing I splash out on regularly is, what I class as,  expensive foods.  Due to my food intolerances, I am unable to have takeaways as many in my area are unable to cater for my needs.  As a result, I make my own version of the takeaways that I used to enjoy, before my intolerances became such a major issue for me.  I like to buy prawns, tuna and smoked fish from our local seafood shop or our local Morissons to make dishes that are a bit special instead of a take away.  I also make my own pizzas with homemade mozzarella made with a2 Milk or soya cheese for my daughter.  I try to freeze some of these so that we all have a quick meal now and again which helps with the idea of a takeaway’s convenience.

I recently thought about how much I spent on my habits and used Legal and General’s Habit Calculator, in an effort to save a bit of money each month.  I put in that I spent £40 per month on my homemade takeaways into the calculator.  It calculated, on the sliding scale, that I spend £486.67 per year on my own takeaways.  This is equal to 3.9 festival tickets, 1.2 holidays abroad or 1 new laptop.  Over 15 years, I would be spending £7300.

You can find out what your habits are costing you using Legal and General’s Habit Calculator.

I found the calculator really interesting and it has made me think about how much I spend on these foods over time.  I have also thought about how much my shoes have cost me too by using the calculator (although I clicked on, ‘Make up,’ for that but put in the cost of my shoes per month).  I have decided that I would like to try to save a bit of money on each of my habits so that they cost me slightly less.  It is good to think about what you spend your money on now and again as it all adds up without you realising.


Disclosure: I have been compensated for this review.

  • You Baby Me Mummy

    It is surprising how much the little things can add up to, scary really x

  • Beautyqueenuk

    I am always shocked at how much the little things add up too… I need to ask myself if the things I buy are really the things I need x

  • Clare Mansell

    I think my most expensive habit at the moment is babysitters! 🙂

  • You know this has made me think and now every time we think of having a takeaway I am going to suggest we pay it off our mortgage.

  • That’s a good idea. We’re not takeaway fans here but I’m sure there’s other areas we can look at. On the other hand, a little of what you fancy does you good 😉

  • Just it really does mount up.
    I very rarely treat myself, it all goes on the kids.

    That’s a huge amount of walking

  • Jen Walshaw

    I have never made mozzarella. I might just have to give it a try!

  • Sounds like you deserve your shoe habit – that’s a lot of steps. Good idea to keep tabs on how much you spend. I need to do the same.

  • Carolynne @ Mummy Endeavours

    I am pretty wasteful with money, although better than I used to be. I could do with keep in check more! And wow you’ve done a lot of walking! x

  • Sylvia Fiolunka

    I’m actually not spending lots of money on unnecessary things and I’m quite proud of myself for being like this 😀 It helped us save a money for deposit for a house a while back and now a bit for redecorating it 🙂

  • Zing Zing Tree

    I’ve always been really careful with money and will save up for luxuries and treats

  • Globalmouse

    I’m really trying to keep on top of money in 2015, it’s one of my resolutions for sure!

  • Vaichin@RamblingThroughParenth

    Food is where most of my money goes. Everything else, I live frugally and within my means. I find budgeting is a good way to keep track of spending.