A SAVVY mum who got out of £8,000 debt in a year has revealed the money habits she had to ditch.
Beth Fuller took to social media to share the ways she managed to keep £700 of her income every single month - including the 'mental shopping basket’.
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In the clip, the mum-of-one said: "Let's go over some more bad money habits i had to get rid of in order to pay off £8,000 worth of credit card debt."
She revealed that after rent, bills and food, she had £700 of disposable income per month - and she had to find ways to not spend it throughout the month.
Pay day mentality
Beth revealed that she had to get rid of her pay day mentality in order to save and pay off her credit card.
She added that while it was nice to treat yourself for working hard - you have to come to terms with the fact you can't do it every single time.
The mum explained that this mentality never stopped after purchasing the treat and it would continue throughout the month.
"All of my disposable income would be gone so early on in the month, it was so painful," she added.
Mental shopping basket
Like many of us, Beth was guilty of popping to the petrol station to top up her car, only to be tempted by snacks and drinks while there.
This led her to be spending an extra £10 or so every time which she didn't need to do.
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While it might seem like a small amount, these expenses would quickly add up.
"I used to use a Monzo pot for each week to budget and any money I had spare on a Sunday I would put in savings."
"I would just add to the cart, like, always.
"I was just adding to my basket all of the time," she continued.
Lazy food
Lastly, the mum revealed that her biggest expense was paying for convenience food when she couldn't be bothered to cook.
"All I have to do is prep lunch the night before, but God, can I not," she said.
"Some days it just feels like it's the last thing I want to do and at the end of the day after working, bath and bedtime with my daughter, doing a bit more work, house chores, it just feels like another thing to do.
"But it's so worth it."
It's easy to spend over a fiver on coffee and lunch - but of course, prepping it at home will be a fraction of the price.
The clip posted to her TikTok account @bethmfuller went viral with over 160k views and 2,700 likes.
People were quick to share their tips and thank Beth for sharing hers.
One woman was praised for her best money-saving tip.
She wrote: "I tell my kids that the payday treats should be the day before payday as that money is genuinely left over, if not, put it in savings."
Others were quick to thank Beth for sharing her tips and tricks.
One person wrote: "I used to use a Monzo pot for each week to budget and any money I had spare on a Sunday I would put in savings."
Another commented: "All of these points are meeee!! Can’t wait to get out of these habits! I could easily spend my whole wage in 1 day."
"I need to stop buying Tesco meal deals I’d save about £900 a year," penned a third.
Meanwhile a fourth said: "I’m so bad for food!! I’ve now got a load of soup and crisps and bits in my drawer at work so if I cba the night before I have it there to fall back on instead of KFC."
"This is so interesting. How long did it take you to pay off your credit card? I’m doing this now,” claimed a fifth.
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Someone else added: "BUT, how do you get rid of the pay day mentality? Any helpful tips appreciated."
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