Do you still manage to squeeze in your daily fix or two of Timmie's? 'Yeah', you reply. 'It's cheap. I need my morning fix.'  
 
But is it really? How many who are reading this go to Tim Horton's once, twice even three times?  
 
Have you ever stopped I mean REALLY STOPPED to add up the cost for your love of Timmie's? 'Yeah. But it's only $1.75! I don't buy anything else', you protest.  
 
Let's add up your daily cost of Timmie's. $1.75 x 3 (you drink coffee with each break). You are spending $5.75 plus tax each day.  
 
Wait! You smoke too? Add in another $15 to your daily spending. There. $20.75 spent. ($5.75 + $15.00)  
 
'I smoke a pack a day but I really don't inhale so you can't it as smoking!'  
 
Hmmm. You say you smoke a pack each day? How do you afford it? I mean coffee is coffee but adding in 26 ciggies daily to the mix THAT'S an addiction!  
 
For the entire month on smokes you spent: $15/day (single pack of smokes, 30 days in the month) = $450.00  
 
Let's add in Timmie's now: $5.25 (three double double each day ($1.75 each), 30 days in the month) = $157.50. Tax not included.  
 
Total for both: $450.00 + $157.50 = $607.50.  
 
Now you ARE broke. Still wanna go for a Timmie?  
 
 
Edited by Magic, 2010-06-15 15:33:08

and a 24 a day or more. plus coffee on top of that. they used to say they were broke all the time...hmmm i wonder whyyyy. but hey they are sober 100% now and love life and are paying off debt and still drink a coffee everday but they drink out of there tap so thats different then a timmy.

for an XL, or 1.66 for refills...so it would be higher for the cost...just an observation....

I really appreciate your thoughts on this Magic. I have been guilty in the past of complaining about being short of cash on one hand and then "frittering" away some of my hard earned cash on the other. As I "grew up" and matured I realized the "error of my ways". And now I find it REALLY difficult to listen to people (who know better) whine about having no money to pay their bills - but yet they spend 100.00 plus a pop on their hair, or they have new clothes and new shoes every other week or they go on trips! I just have to politely excuse myself otherwise my mouth would get me into trouble! Thank you again for a thought provoking, eye-opening thread  
 
Edited by Katt, 2010-06-15 15:46:40

I use to go to tim hortans all the time then I added up how much I spent within a year on coffee and food there, it was insane how much money I would waste. I don't go there near as much and I have saved a ton of money already... It's nice to have that few extra dollars

hubby and I often wonder how people do it - we don't smoke, rarely go out for dinner (even fast food), he buys a case of beer about once a month in the summer months. He buys no more than three cups of coffee out a week, and for me I buy for arguments sake 1 cup out a week (most often I don't buy any).  
 
We find all of our money goes to utilities, gas, medical insurance and basic necessities.  
 
I would LOVE to be able to cut something like coffee purchases and have all that extra money.  
 
Maybe then I could take my family on these vacations I hear so many people going on - own a nicer car, go to a movie once in a while......  

understand how anyone can waste their money on stuff like that. I ALWAYS pay all my bills first (or make sure the money is left in my account) and buy all the stuff I need for the month. Then if I have anything left I can get something I want. I have never paid a bill late. I don't think I ever could.

Unlike those that may sneak in a beer or glass of wine a day, i do not drink, i have no other bad habits, no credit card debt. How do we it you ask? It's called living within our means, no bank loans and no credit cards. We do not try and "keep up to the Jones's" with all kinds of toys and electronics. Living within our means allows us to induldge in things like timmies.

foxtrot11 said "hubby and I often wonder how people do it - we don't smoke, rarely go out for dinner (even fast food), he buys a case of beer about once a month in the summer months. He buys no more than three cups of coffee out a week, and for me I buy for arguments sake 1 cup out a week (most often I don't buy any).     We find all of our money goes to utilities, gas, medical insurance and basic necessities.     I would LOVE to be able to cut something like coffee purchases and have all that extra money.     Maybe then I could take my family on these vacations I hear so many people going on - own a nicer car, go to a movie once in a while......   "

alot of those vacations are "revolving" on the credit card...  
 

Unlike those that may sneak in a beer or glass of wine a day, i do not drink, i have no other bad habits, no credit card debt. How do we it you ask? It's called living within our means, no bank loans and no credit cards. We do not try and "keep up to the Jones's" with all kinds of toys and electronics. Living within our means allows us to induldge in things like timmies.

Tim hortons is disgusting. It's called buying a $5 can of folgers coffee, and making it and taking it in a thermos. Better coffee and better for our enviroment. I know I don't enjoy seeing those tim's cups all over the street.

Mom2Boys said "Tim hortons is disgusting. It's called buying a $5 can of folgers coffee, and making it and taking it in a thermos. Better coffee and better for our enviroment. I know I don't enjoy seeing those tim's cups all over the street. "

find their coffee good either. It's an aquired taste I guess. Now the iced capps are a different story. But those are a once in awhile treat.

Seriously, these topics on ebrandon are getting old, This topic is going to turn into a debate on who is the wiser spender, who does and doesn't spend there money correctly, then someone will voice there opinion and people will hate on them for that opinion...YAAWWWN!...another one! oh yes, lets not forget about government assistance(way off topic), it is bound to happen!  
Have a nice day ebrandon!

MESHCA said "Seriously, these topics on ebrandon are getting old, This topic is going to turn into a debate on who is the wiser spender, who does and doesn't spend there money correctly, then someone will voice there opinion and people will hate on them for that opinion...YAAWWWN!...another one! oh yes, lets not forget about government assistance(way off topic), it is bound to happen!   Have a nice day ebrandon! "

kinda the point of discussion boards...  
 
people talk, often repeat themselves, sometimes there's an "ah ha" moment, but mostly repetition.  
 
Oh well, that's life!

A persons vices are expensive. Weather it is smoking, drinking, gambling or dinning out. the experts say the first thing a person should get rid of, or cut back on their vices.  
 
Many couples think nothing of spending $100.00 or more eating out per week. That adds up to $5,200 a year. That would go along way towards something more lasting, like a house.  
 
If the same couple smokes a carton of cigarettes a week, drank $50.00 of alcohol week each, gambles $50.00 a week each, plus eat out to the tune of $100.00 that would add up to about $26,000 a year.  
 
If they could cut that in half they would save $13,000 a year. That is over $1,000.00 a month. That would make a very nice house payment,don't you think?

If you eat at Tim Horton's 3 times a day??  
 
Do you know how many calories that there are in each muffin / donut / double double coffee / ice cap?  
 

I love that show..it completely changed the way I spend and save money. It actually works to live on cash alone. Pay the bills up front. When you lay it all out, it's amazing how much I frittered away. Pick up a DVD, cup of coffee, slurpee. It adds up, but if I don't have the cash in my wallet..I don't buy it. And I don't feel bad about it either, since I have piece of mind that my bills are paid and I'm not living on credit card debt.

Are there people that actually go there 3 times a day?

I would if I had the time. But I like home brewed better. Make it stronger and you get more for cheap price.

Presidents choice great canadian Coffee ( its in a can)bought it at the superstore. 3.99 I think. Very good ad some real cream ...well half and half and it takes very close. I my self drink it black, but hubby ,who is Timmies Freak, uses cream. So if it gets past his discerning pallette,its a winner

well arn't all of you a little self - rightous?  
 
i have no credit card debt, no bank loans, well good for you.  
 
i have a credit card debt b/c i got an education, i have student loans b/c i got an education - and now i have a decent job b/c of it.  
 
 
and yes i indulge in at least a bottle of a wine a week, at least one pack of cigs a week, i buy my lunch somedays, spend 100 on my hair every few months and go out and socialize at least 3 out of 4 weekends a month.  
 
am i broke? shit ya i am sometimes, and yup i sure do pay my bills late sometimes.  
 
but oh well...i'm enjoying my life and life really isn't worth living if you can't enjoy it.  
 
there arn't any pockets in a coffin....  
 
Edited by ash5555, 2010-06-15 19:35:11

sorry my post was a little off topic...i just get annoyed with people who brag about how they have no credit card debt or bank loans...  
 
obviously you don't have a mortgage or a vehicle...  
 
as for tim horton's...good coffee but i actually do brew mine at home or drink what they have at work...its just more convenient.  
 
 
 
 

in all you're right... Tim's is a waste of money and one I admit to partaking in! I have cut down from going there 3(ish) times per day to once, and some days not at all. I actually feel better since I stopped drinking it so often....  
 
@ Nissan fan... You found that one too! It even smells like Timmies when you open the can and at a fraction of the cost! As a fellow Tim's freak I agree wholeheartedly that it is good stuff!  
 
Edited by Brandy, 2010-06-15 19:40:32

ash5555 said "well arn't all of you a little self - rightous?     i have no credit card debt, no bank loans, well good for you.     i have a credit card debt b/c i got an education, i have student loans b/c i got an education - and now i have a decent job b/c of it.       and yes i indulge in at least a bottle of a wine a week, at least one pack of cigs a week, i buy my lunch somedays, spend 100 on my hair every few months and go out and socialize at least 3 out of 4 weekends a month.     am i broke? shit ya i am sometimes, and yup i sure do pay my bills late sometimes.     but oh well...i'm enjoying my life and life really isn't worth living if you can't enjoy it.     there arn't any pockets in a coffin....     Edited by ash5555, 2010-06-15 19:35:11"

Holy Bitter-pants! FYI - I paid my way through college, with 3 jobs! Paid my mortgage & my car - on my own. Now I can sit back and enjoy the fruits of my labours.

we brew at home. We like the Coop organic free trade coffee or the Compliments coffee. Both are good at a good price. But I can't make danishes at home like tims so we go twice a week for a treat. It's really funny with shows like Til Debt do us Part and other shows like that how people are just not living in their means. That's what screws up the economy, lives, and families. Keep it honest, keep it simple and next thing you know you'll be really happy and able to sleep at night. Not that I wouldn't like to indulge in hair highlights, a second car, eating out, and vacations but I'd rather be able to sleep at night. I think when people talking about debt I'm sure they mean stupid debt. I don't consider my mortgage to be a stupid debt but I would consider lines of credit, consolidation loans, credit card debts etc to be not an ideal way to live.

If you've spent any time behind a cash register in the last couple years I'm guessing you'll agree with me. It's very sad that people are so broke that their debit card is declined on a $6 purchase. It's happening constantly.., people guessing / hoping they have enough to cover a small purchase. Or the people trying to charge $5 on their credit card.  
If times are tough, I don't think people should be in line at the convenience store. Raid the change jar & buy groceries instead.  
But I do sympathize with them... A tough spot to be in. I just can't ever imagine spending my last $10 on smokes & a Timmies.

I go to timmies everyday and get a coffee! I will admit it instead of pretending that i am to cheap to pay 1.34 for a cup of coffee! when im sure if you guys arnt putting that loonie to a cup of coffee i am sure you are to a pack of gum, chocolate bar?? etc. My motto is you only live once make the best of it. Our bills are always paid and were by no means rich! Tommorow morning ill be there for my coffee

but my Dad used to smoke 3 packs a day!!! Yes, 75 cigarettes a day! This was back in the day when you could smoke everywhere. My Mom also smoked a pack and a half a day until she had me. I am allergic, actually allergic! I worked it out that if they smoked like that today, they would be spending in excess of $24,000 on cigarettes alone. CRAZY!!! Thank God they quit 31 years ago! They would DEFINITELY be broke if they still smoked.  
 
Edited by Rachelle K, 2010-06-15 22:20:08

I love tim Hortons, but i've realized I can't afford it so I go once a month as a treat to myself. I couldn't COMPLETELY cut it out, so I reward my self with it. A $2 reward for coffee isn't really that bad once or twice a month... That's under $48 a year... I can live with that!

THIS..IS..BRANDON!!  
 
Stick with the cigarette argument. Timmy Ho's coffee is fantastic and doesn't deserve to be attacked in this discussion.