Hopefully you will have Apple Pay in the UK soon.
As far as the big spender, it's ramen noodles and off-brand soda for me because I splurged on a new Phone![]()
I kept my 5s too. I always wanted a second line and the 5s is too beautiful to sell.
True, in terms of hardware looks (not hardware performance of course), the 5s will always be the best iPhone ever made. It looks so good.