Are you spending more or watching the pennies?

[RMCF]

So with all the interest rate cuts, VAT decrease and sales left, right & centre, are you trying to revive the economy by going out and spending like there's no tomorrow?

Or are you very cautious with your money?

Me personally, I haven't really changed my spending habits at all, although I would not have been that foolish with money anyway.

[Iccz]

I'm watching the pennies more than ever lately, saving up for HTPC and the bills don't stop coming... sadly.

[Abbeygoo]

I've always watched the pennies and very rarely go on a spending spree .... the wife, on the other hand, carries on spending with no thought of repaying the credit card debt that's building up .....

[Dony]

Originally Posted by Abbeygoo

I've always watched the pennies and very rarely go on a spending spree .... the wife, on the other hand, carries on spending with no thought of repaying the credit card debt that's building up .....

Same here.....I ordered about £80 worth of CD's, DVD's and Games from HMV (£7.99 was for me) and was asked if all those were really necessary.

Wife came in the other day having spent over £250 in the toy shop but no questions there!!!! This was after she had said everything was bought.

[Mrcon]

Im the same as before ive always shopped around to get the best deal, watch the pennies and the pounds take care of themselves!

[Singh400]

Haven't changed my spending habits at all. Still buy what I need/want. Still shop around for the best deal.

[Ian J]

I've just been offered a good interest free balance transfer deal on a credit card so I'm busily spending away trying to up the balance on another one to make it worthwhile.

I've ordered a new subwoofer which is due for delivery at the end of the year but I'm going to telephone KHC and ask if I can pay them now instead of on delivery.

[eric pisch]

Slashed my spending, but i started doing so 16 months ago (i could see the credit crisis coming to ahead), done the full MSE job, I had 16 orders with sideshow toys, cancelled all but 4.

[SimonH]

I'm watching the pennies much more, as a self employed individual there is no net to protect me, things seem fine right now but as things slow down it all has a knock on effect.

I'm bracing myself and ensuring my family are protected should we start to feel the brunt of this slowdown more seriously.

I woke up to find out I am now around £400 per month better off due to the 1% interest rate cut The Virgin 1 account passed on which is nice to know , over £5000 pa better off, can't be bade but I am aware that things can go belly up quite rapidly and I'm not blowing thousands of pounds on crap now.

[mjn]

Saving more than ever, well, paying off as much of the mortgage as possible, while interest rates are low.

[Desmo]

Originally Posted by SimonH

I'm watching the pennies much more, as a self employed individual there is no net to protect me, things seem fine right now but as things slow down it all has a knock on effect.

Same here. My wages are starting to get affected a little now so I have to baton down the hatches a touch.

[unique]

i've actually spent more as i've grabbed a few bargains in the last week, including a mispriced dell mini at £99 instead of £269 and a sony camera mispriced at £50 instead of £107. this was just after buying another hardrive as backup, as the price dropped a few quid. on top of that i've bought memory and accessories to make the most of them. i've still not bought a single present yet, but the way things are going it looks like the longer you wait the better the deals

[Decadence]

Christmas shopping tomorrow...but I did just buy a 42" plasma because the deal at Comet looked too good to turn down.

[LFC_SL]

I am wary of the fact because of NPower's mistake my leccy bill is due Dec 29th, so it will be a 4.5 month billing period

[Naaktgeboren]

Has not really affected my spending, I am buying more this time of year due to Christmas and other celebrations but I am finding their are more bargains to be had.

I have always been big on research before purchasing major items so I do manage to find the bargains as and when they come about.

I would not say the decrease in VAT factors in my buying habits these days either, most online/high street retailers are cutting ££'s anyway.