I fell into those traps. My biggest vice was iced coffee. Love the stuff. I've stopped carrying cash around and I'm trying to be more vigilant about food for the house, especially since my wife is doing the weekly food shop and I'm paying half the bill and then topping up from my own account through the week. I'm working on curbing the topping up to just necessary items (bread, milk, fruit) and the odd treat for the kids and I. The biggest killer for me at the moment is childcare.


Me: 31, W: 29
T: 4 M: 2
Kids: 3 (SS: 7, SD: 4, D: 3)
Separated, still living together: Nov 2013
Separate bedrooms: Feb 2014
W working away; kids with me: Nov 2014