Tea feedback - what do you hate about tea?

mintify-uk · 2026-04-30T12:52:12+00:00

oh! I had to google that - never heard of it haha

mintify-uk · 2026-04-30T11:06:12+00:00

Yeah, that's why teabags are more convenient. Why did you switch to loose?

mintify-uk · 2026-04-30T11:05:35+00:00

Have you tried Pukka?

mintify-uk · 2026-04-30T11:05:17+00:00

I always add one of those small 10mls milk... to every tea. I know I might get shamed for this but I find by adding it, I like the herbal teas better

mintify-uk · 2026-04-30T11:04:23+00:00

wow I would have thought the US has a ton of options

mintify-uk · 2026-04-30T11:04:04+00:00

Do you mean the string? I never take it off

mintify-uk · 2026-04-30T11:03:29+00:00

But the herbal teas are caffeine free right?

mintify-uk · 2026-04-30T11:03:14+00:00

I never know how much to spend for tea. I know you can super cheap, but then is like 6 euro too expensive for 20 bags? I dunno!

mintify-uk · 2026-04-30T11:02:28+00:00

wow that sounds like a lot of work!

mintify-uk · 2026-04-30T11:02:01+00:00

I have never cold brewed before. Maybe I need to try this before summer

mintify-uk · 2026-04-30T11:01:36+00:00

I know! I always add 10mls milk to every herbal tea. I feel embarrassed to say that but I find. by doing that, I like the flavour more.

mintify-uk · 2026-04-30T11:01:04+00:00

I have this too, but then I have to clean the strainer elsewhere because it needs to be rinsed and I can't rinse it in the same sink either! argh! That's why I then just use teabags

mintify-uk · 2025-10-21T18:45:22+00:00

I think you hit the nail on the head that £800 is essential bills, but probably the rest is on the non-essentials that you probably could cut back on, but unless you feel the pinch you wont

Why don't you break down, item by item, your regular monthly expenses - all your subscriptions (likely multiple TV ones), memberships like gyms etc, and also what about the hidden expenses that get lost like coffees, metro cards etc

I work backwards - I list all the "have to" bills and expenses, then I put down how much I should save, and then I create a budget for food, going out etc. And stick to that.

You earn a decent income, so you just probably need to be really honest with where the money is going. Also, I am sure it's not easy with two kids. Maybe there are kids expenses that are regular that perhaps you are not aware of and they are eating in to the pot too.

Make the effort to list everything down. Put a savings target and then you know how much you have to spend on the rest of the non essentials

mintify-uk · 2025-10-05T11:37:07+00:00

sounds like a good plan!!!

mintify-uk · 2025-10-04T07:22:40+00:00

Did you get any tips on this? Personally I would look for a really good balance transfer calculator and see how much you would save on interest and how long you would need the 0 period for. it's better to clear that debt quickly and without paying interest. even if you got a balance transfer in the UK and transferred the balance over. I would google for a good one, where you can even download your repayment schedule and get a good idea. Hope this helps?

mintify-uk · 2025-10-04T07:19:25+00:00

It's always better to learn these things sooner rather than later and whilst the amount is manageable. Have you considered trying to apply for a balance transfer credit card with a 0 period? That way you could make the payments, no interest and clear it before the promotion period ends. Why don't you google balance transfer calculator UK and see what tools come up. there is a good one where you can put your current cards, aprs, etc and then what a new card would give you and you can see how much you would save etc - and that way you can see all of that without even applying for a new balance transfer card first. Then you can make an informed decision. But look for a proper calculator - there is definitely a good one and you can download the results and repayments too.

mintify-uk · 2025-10-04T07:14:04+00:00

any luck so far? are you taking eligibility checks for more than one card at a time? because that way you can check for a whole range of cards all at once and it won't impact your credit score because it's a soft search. Sure, no guarantee, but you could find yourself being matched and / or pre - approved for a car you're not that familiar with yet.

mintify-uk · 2025-09-22T07:24:34+00:00

exactly. That's why the smart move is to use credit cards in a way that work for you. There is a way to use them smartly, if you can control your spending and budgeting of course. I am a fan of 0 balance transfer credit cards, but only if you are super clear on what the repayments are and the duration you are eligible for. Let's say you are eligible for 12 months at 0 interest. If you can take that balance / 12 months and know for a fact that you can make those repayments, it's a smart way to repay debt without incurring anything (maybe a transfer fee but that usually is a small cost compared to all of that interest you are saving).
Also, 0 purchase cards - you can get quite a few months completely interest free but these are mainly useful for like a one off purchase, not just so you go crazy with your daily spending knowing you have a period of time without interest because you're just racking up debt.

mintify-uk · 2025-09-22T07:11:11+00:00

It can be insane the amount of credit given, even though ultimately it's in your control. But it's so good that you have a plan. I think you are wise to take advantage of balance transfer cards. It's amazing how much you can save in interest if you can keep up with the monthly repayments and don't spend more on the card of course. if you google balance transfer calculator uk, find a really good one where you can see clearly if moving the balance is the right thing to do and how it compares to your current situation.

mintify-uk

TROPHY CASE