Money Diaries: August 19th – 26th

formerlyskint.com - Money Diaries August 26th

Throughout 2018, I will be tracking every last penny I spend, and sharing it here weekly. I’m a (late) twenty-something lady, living in the North of England with my Other Half, commonly referred to as OH. I travel regularly for work, and often spend more time on the motorway than in my own home, which can often account for my fluctuating Car Expenses and entirely random Grocery costs!  By the end of the year, I’m hoping to have a better overview of where my money goes to each month, and have a realistic retirement savings plan in place (as well as the many other savings plans I have in my head, but you can read more about that here). You can also read the full series of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements and a monthly budget spreadsheet and I am ready to rock!*

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This has been a week full of “spring” (Autumn?) cleaning and visiting friends! I’ve managed to get rid of 2 full bags of clothes/shoes/coats and have even taken them to the charity shop already. This is my biggest accomplishment! I am pretty good at doing the clear out bit, but usually I end up with several bags of clothes stacked by my front door for weeks on end!

I also took the weekend to visit some friends in the Lake District, which is one of my favourite places on earth! I don’t get to see my friends here as often as I would like to, but when we do get to catch up, it’s like we were never apart. I first met them when I was in university and we lived next door. The 3 of us were pretty much inseparable for the next 3 years! Unfortunately, life got in the way and they both ended up moving to the Lakes for work.

 

A wonderful weekend was had by all, we checked out a local band and braved the Cumbrian weather for a hike up a mountain which I cannot remember the name of…

They are also currently saving for their wedding, which meant everyone was chasing a cheap and cheerful time. We banded together and cooked up a storm on Friday night, which provided lots and lots of leftovers for our hungover Saturday mountain climb!

 

Weekly Spending Review – The Breakdown:

 

Bills: £14.16 – My boiler loan, it’s kind of annoying paying this small amount out each month, I’d lie to pay off the full amount early 2019 if possible. The finance is interest free but I just don’t like having unnecessary monthly outgoings!

 

Groceries: £0!!! – This is all thanks to my Gousto box, which was paid for last week and arrived at the weekend, ready for a week of feeding! I cannot recommend these boxes enough, every meal I’ve had from them has been absolutely delicious. I do think it’s quite expensive at full price, which is £35 for 4 meals for 2. Thinking about it, it’s actually not at all, I would easily spend double that in the supermarket shopping for 4 meals.

I’ll still be on the hunt for discount codes though as they often do half price offers.

If you’re thinking of giving these a go, you can get 50% off your first two boxes if you sign up using my link. You can also then refer friends to earn credit, they’ll get discounted boxes, and we can all live the champagne lifestyle on a lemonade budget!

 

Expenses/Car Expenses: £33.83 – Nothing particularly exciting in here, a most of this is a half fill of diesel before my trip to the Lakes on Friday. I mentioned last week that I’d have a toll bridge fine which would probably make an appearance this week…well, I still haven’t received it and I’m getting a bit excited now thinking maybe they received my payment and haven’t fined me….fingers crossed!

 

Lunch: £15.56 – Using the cold weather as my excuse for managing to spend this much over just two days in the office…several coffees were called for!

 

Entertainment: £32.00 – Most of this covers drinks at the gig over the weekend, and also a bottle of wine which I brought along to have with dinner in my friends house. The band played in a little social club, which was an absolute treat as the drinks were so cheap! I managed to get a round in for 3 of us and still had change from £10! In my tipsy state, I decided that called for a celebratory round of tequila shots. Bad move.

 

Clothes: £0 – I’m desperately trying to be proper strict now with myself on buying clothes, I do NOT need any more yet! I’ll allow a little bit of spending a the end of September, when I’ll no doubt need to pick up some jumpers that I can layer (and layer and layer and layer…) throughout winter though!

 

Toiletries/Beauty: £0 – I’m starting to half look at where I am going to cut my spending next year once I’ve finished my Money Diaries series. As I always suspected, beauty products are one area I can definitely save some cash on! I will admit that I may have  a small addiction to buying these. I spent so many years as a poor student and wanting nice makeup that I have found it hard to reign myself in since having any sort of actual disposable income. It will be tough for me to do, but I think if I can stick to a beauty budget, I am basically Wonder Woman and can do anything!

 

Takeaways: £0

 

Travel: £50 – I’ve paid a £50 deposit for my best friends hen party next year, which will be back at home in Ireland. This is to cover all of our travel to various activities over the weekend. I’ve got to pay the remaining balance at the end of September, but will probably try and pay it earlier as I know how stressful it can be for the person collecting money for these kind of group things! There is always someone who is late! So if I can take the weight off by paying up early, I will do.

 

Gifts/Charity: £0   

 

Misc: £0

Formerlyskint.com - Money Diaries Week 29 August 26th

 

Total: £145.55

To be Returned on Expenses: £33.83

Actual Spends: £111.72

 

Another pretty cheap week over at Team FS…I’m not sure how I managed this one?!

In all honesty, I’ve been feeling a little bit down in the dumps and haven’t really been up to doing as much as I normally do. OH is struggling with his anxiety and has been for a few weeks. This isn’t a particularly regular occurrence, but when he does hit a rough patch, it has an inadvertent affect on me.

 

I don’t mean this to sound selfish but I’m not sure it’s possible to discuss it without it coming across like that! I am not moaning about it as such, it’s simply a fact of life. We get through it together and we know how to deal with each other, but we don’t necessarily know how to deal with other people. We’ve been having some alone time an not going out too much which I know isn’t always the best way of dealing with these things, but things are starting to look a bit better.

We’ve been more than content just to sit in with our Gousto box meals!

 

This week, I’ve been reading:

Simplistic Steph: The Simple Minded Millennial Podcast – I am SUPER excited for Stephs new podcast adventure! She’s one of my favourite bloggers out there so it basically means that I get to stalk her just a wee bit more (sorry for being totally weird, Steph!)

The Money Shed: How to Manage Your Mental Health as a Blogger – A very appropriate post for me this week, considering what I have just mentioned above about OH struggling with his anxiety. I am most definitely what I would refer to as  “casual blogger”, it’s very much a hobby, but I think some of the points raised here can relate to a wider audience and not just bloggers – look out for number 1, guys!

 

Money Diaries: August 13th – 19th

Formerlyskint.com - Money Diaries August 19th

Throughout 2018, I will be tracking every last penny I spend, and sharing it here weekly. I’m a (late) twenty-something lady, living in the North of England with my Other Half, commonly referred to as OH. I travel regularly for work, and often spend more time on the motorway than in my own home, which can often account for my fluctuating Car Expenses and entirely random Grocery costs!  By the end of the year, I’m hoping to have a better overview of where my money goes to each month, and have a realistic retirement savings plan in place (as well as the many other savings plans I have in my head, but you can read more about that here). You can also read the full series of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements and a monthly budget spreadsheet and I am ready to rock!*

(*Input data)

 

When I was in primary school, my teacher banned us from using the word “nice” to describe anything in our work. I have been trying to think of a different word to use in its place to describe my week, but I really can’t.

I’m sorry, Mrs McGuinness, but my week was really very nice.

 

I have been more content with myself than I have in some time, I’ve wrapped up two big projects at work, which have been in the works since the beginning of the year. These had been particularly stressing me out after being ill last week and not feeling up to getting much work done.

My company is buying over another smaller company and I have been working behind the scenes on new structures and procedures as we will be branching into a couple of geographical areas which we don’t currently operate in.

It’s all been very exciting and finally, the cat is out of the bag and it’s all hands on deck!

 

Aside from that, I’ve had a visit from my friend with her newborn baby, who is just the tiniest cutest most squidgy wee thing I have ever seen and I think I’m in love! I’m not usually the broody type, maybe it’s the thought of my 30th birthday looming over me!

I also had a full weekend off work, so myself & OH went to a gig. It was kind of cheating as it was a gig run by my company, but that meant we had free tickets, free accommodation on site (it was a 2 hour drive from home) and access to the backstage catering and drinks.

Lots of great free entertainment this week, but I’ve still managed to do my fair share of spending…

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: August 13th – 19th”

Money Diaries: August 6th – 12th

Formerlyskint.com - Money Diaries August 12th - Inspired by Refinery29

Throughout 2018, I will be tracking every last penny I spend, and sharing it here weekly. I’m a (late) twenty-something lady, living in the North of England with my Other Half, commonly referred to as OH. I travel regularly for work, and often spend more time on the motorway than in my own home, which can often account for my fluctuating Car Expenses and entirely random Grocery costs!  By the end of the year, I’m hoping to have a better overview of where my money goes to each month, and have a realistic retirement savings plan in place (as well as the many other savings plans I have in my head, but you can read more about that here). You can also read the full series of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements and a monthly budget spreadsheet and I am ready to rock!*

(*Input data)

 

It’s been a very uneventful week all round, I came down with flu midweek and spent several days in bed unable to lift my head from the pillow. I’ve barely left my flat and didn’t even get dressed for 3 days in a row.

You know when you’re in work and you think you would love a sick day to lie around and do nothing? Then when you actually have a sick day, believe it or not, you’re too sick to enjoy it and would do anything to feel better and be in work?! Yeah, that.

 

On the plus side, I did finish a book I’ve been meaning to get around to, I love reading but I find that when I am really busy I get it in my head that I don’t have time. There is always time to read a few pages of a book before bed! I’ve now re-acquainted myself with Marian Keyes, one of my favourite Irish authors. 

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: August 6th – 12th”

Money Diaries: July 30th – August 5th

Formerlyskint.com - Money Diaries August 5th - Inspired by Refinery29

Throughout 2018, I will be tracking every last penny I spend, and sharing it here weekly. I’m a (late) twenty-something lady, living in the North of England with my Other Half, commonly referred to as OH. I travel regularly for work, and often spend more time on the motorway than in my own home, which can often account for my fluctuating Car Expenses and entirely random Grocery costs!  By the end of the year, I’m hoping to have a better overview of where my money goes to each month, and have a realistic retirement savings plan in place (as well as the many other savings plans I have in my head, but you can read more about that here). You can also read the full series of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements and a monthly budget spreadsheet and I am ready to rock!*

(*Input data)

 

This week, I’ve been mostly trying to just settle down and get myself back to normal after having been away from home for so long. It’s been fairly dull by all accounts, I’ve thrown myself head first back into work and spent a lot of time catching up on all of the blogs I’ve missed while I was away.

I’ve been enjoying getting back into the swing of blogging and having a little break, regardless of through choice or not, has definitely got my creative juices flowing! I’ve got tonnes of ideas for various blogs jotted down and approximately 428 half drafted posts waiting to be finished.

Now i just need to extra hours in my day to turn this all into something someone may actually want to read…  

Despite what was actually a pretty quiet week, I’ve still managed to spend a fair chunk of money. The first week of the month is always expensive with lots of bill payments, but I can’t use that as an excuse, I’ve overspent! I’ve well overspent!

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: July 30th – August 5th”

2018 Financial Goals: A Halfway Review

Formerlyskint.com - August Review Financial Goals 2018

Well guys, I thought it was about time I faced facts and had a look at how I am actually doing with my financial goals for the year. We’re more than half way through and some of my time sensitive goals are past their sell by date.

 

Back at the beginning of the year, I published what I wanted to be my financial goals for the year. You can check out the full post here

I like to have specific goals in mind each year as I find it very difficult to save money with no motivation, nothing to work towards. Since then, I’ve had a bit of a revision of these goals during my first quarterly review, so what I have listed below are the all new and improved version!

 

“Save £800 by June to cover my half of car insurance on both cars (when we eventually buy a new one)

Save £1500 to supplement my new car fund by July”

 

I’ve managed to pay off my car insurance all in one chunk again this year, which is awesome. I love the feeling of just not having to think about it for another year! I really would recommend this to anyone, it might take you one year of struggling to get the fund to pay upfront but I find it so much easier to save through the year when your regular outgoings are lower.

 

I feel very little sense of achievement from saving this pot and I was very sad to spend it all again, but I do need to remind myself that saving for next years car insurance isn’t really saving!

Continue reading “2018 Financial Goals: A Halfway Review”