The other day as I was driving to the client’s site sipping on the coffee from my travel cup. I drove past Starbucks drive through listening to another episode of the excellent Afford Anything podcast. It was a wet miserable, sleepy morning. The line at Starbucks was really long as the fellas and gals in their BMWs and Audis were queuing up to buy themselves a morning shot of caffeine.
I thought about perception of guilt as I was driving past them. Are some people wired differently, is it the upbringing or is it consciousness of money. I don’t know. I would feel terribly guilty about buying coffee at Starbucks every day and don’t get me wrong I love good coffee, but even at that level we try to focus on living frugally. Might make us look like aliens but we don’t care. I love coffee, but it simply is not worth what Starbucks charges for it.
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The story of frugal coffee
I saw my coffee habit as an unnecessarily costly spending and decided to minimise the cost of it rather than eliminating all together. I am way too strongly addicted to ditch coffee all together! 

Due to my clear interest in investment, I am constantly haunted by adverts. About a week ago one of these adverts convinced me to click on it and sign up to an amazing free property investment workshop. Since we are planning to buy an investment property in 2021 I thought to myself that I have nothing to lose. I knew that the purpose of those workshops is to sell something at the end, but I was pretty sure that I can resist the urge. 
I attended this workshop today and wanted to write a short review of this workshop. Please note that this review only applies to the specific workshop I attended and no other you might see advertised. 
​The event was hosted under brand Perform in Property and was held at fairly nice DoubleTree Hilton Hotel. 
After making my way onto conferencing floor "C" I was greeted by one of the hosts who has given me a completely useless name-tag. I quickly found out where I can get coffee. After filling my cup with quality brew from a cranky machine I sat down and started to wonder who out of the guests in the lounge area are serious about this and who like myself decided to come to take a look. 
At right on dot 10:30 we were invited to take a sit in one of the small conference rooms. We were introduced to people who were leading workshop and to my surprise they were not people I expected. The event was advertised with faces of Steve Backley and Roger Black. They are both Olympic medalists allegedly turned property investors. Instead of them leading the event we got to watch a short video where they introduce the program. ​

I hate debt! 
My hatred is probably rooted in my childhood. I always heard about this or that loan my parents took and I could see that they were distressed as a result of debt. 
A person might be borrowing money, most possibly to buy stuff, which they currently can't afford because they could not be bothered to save for it. The real question is if they could not be bothered to save for it, why do they think it is acceptable to borrow money and pay interest to own that stuff. 
Interest rates on some of the loans are no laughing matter in the UK. Frequently, banks will push loans with over 20% interest rates on them. Banks are only half bad. There are payday loan providers who go into 1000% and higher. I took an unsecured loan from my bank at around 26% interest rate pay year to buy a car. They were so nice to me that they gave me more money than I asked for. I was a sucker, don't you be one.