Money Diaries: August 6th – 12th

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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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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:

 

Bills: £43.89 – Just my phone bill and Spotify payments this week! I’m still debating on whether I actually need Spotify Premium. I hate everything about Spotify and am still one for buying CDs, but just every now and then, it can be handy for long journeys etc. I might just stop paying and deal with some ads!

 

Groceries: £30.87 – I took an early day from work one day last work as I was feeling ill, so I stopped at the supermarket on the way home. I chucked beef chilli and a chickpea stew on to slow cook, and by the time it was ready, I was more or less delirious with flu symptoms. OH arrived home and swiftly chased me to be where I stayed for 2 days.

I had almost forgotten about this little bout of illness until I was totalling up my spending and thought everything looked a bit light…because I had o food and no fun for half my week!

 

Expenses/Car Expenses: £0 – As I had been ill, I ended up working from home for most of last week, I only went to the office for one full day and a couple of hours the day I finished early. Also had no travel days which is a nice change!

 

Lunch: £12 – Ok so this is higher than it should be considering I’ve just said I was only in my office one day. But it was a long day. A hard day. A long, hard day. I needed my fancy lunch, and I definitely needed the cake (carrot cake, in case you’re as interested as I am when someone mentions cake) I had along with it. No regrets, worth every penny!

I asked the chef how his finger was doing after his incident last week, in hopes of reminding everyone I was the hero and maybe getting another free lunch out of it. But no such luck.

 

Entertainment: £11.10 – Thanks to my illness, I barely managed to leave my house, which has been great news really for my bank balance. I did manage a glass of wine and a sneaky plate of tapas with a colleague on Monday night however, but we kept it cheap and cheerful and had never planned to have a full dinner out, it was just snacks. I’m justifying this to myself…

 

Clothes: £0 – Nada, I’m actually about to get a refund on my Adidas shop from a few weeks ago as I’ve had a nightmare with Parcelforce delivering and it’s ended up doing a tour of the post offices around my house, before finally being returned to the store.

I’m pretty peeved with this as I was especially in love with a jacket I had ordered, but I could probably do without the running gear so it’s not the worst thing that could have happened I suppose…

 

Toiletries/Beauty: £0 – I have never felt less beautiful in my life than I did last week, I didn’t even put a pick of makeup near me for 5 whole days never mind buy any. My skin always takes on a mind of its own when I’ve been ill, so now I’m just in that sniffly “getting over it” stage and I’m oily, dry and patchy all at the same time. You know yourself.

 

Takeaways: £0 – Considering I cooked so much just before taking to my bed, we were pretty well stocked for the rest of the week! Poor OH lived off stew and chilli for honestly 4 days straight. It’ll do him no harm! By the last day I think he has never been so glad to see the bottom of our slow cooker pot.

 

Travel: £0 – Sensing a theme this week? Zero Spends because I’ve done zero travelling. I’ve done zero of anything 😦

 

Gifts/Charity: £10 – This is usually an area I can always managed to spend a few quid in, regardless of what is going on. It was my little cousins birthday this week, she also starts school in September so it’s a bit of a special one. Unfortunately I was just too under the weather to make any decisions on an actual gift for her so I ended up sticking £10 in her card and sending her on her way.

 

Misc: £85.91 – I finally bit the bullet and paid for an annual Tailwind account. I’ve been taking my time with paying for any extras for the blog as I’m not really trying to make money from it. I’ve rethought that theory, and realised that other people spend money on their hobbies and this is a hobby! Playing football? New boots are an easy £60. So that’s how I’ve gone ahead and justified that cost to myself haha!

Anyway, I’ve found that Tailwind really is worth paying for, and it’s not too often I will say that! I had been using Boardbooster until it closed down recently, but my issue with that one was that it posted pins to your boards automatically without you ever approving them. So you were relying on other people in your groups/tribes to keep on topic.

I found this wasn’t always the case, and a couple of times, I ended up with low quality spammy looking pins going out on my page. I was always careful to delete anything that didn’t fit with my niche but it just looked bad I thought!

Tailwind seems much more professional and the options for posting are loads better. If it’s something you’re considering, you can sign up via my link and get a month for free, and I’ll also get £10 credit on my account

 

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Total: £193.76

To be Returned on Expenses: £0

Actual Spends: £193.76

 

Not a bad week at all, I’ll take that! If only I could get flu more often can you imagine the money I’d save.

 

If I hadn’t chosen this week to treat myself to my Tailwind subscription, I’d have been coming in spending pennies, so I really have nothing to complain about for once!

 

My worry now though is that when I do let myself go loose this weekend, that I will totally overdo it! I’m actually going to a gig for the socialising this weekend! I’ll be on the good side of the stage for once!

 

Probably the worst thing I did this week was eat all the cake at lunch on Monday. And if I can’t allow myself a £12 lunch every now and then, am I even a millennial?

 

This week, I’ve been reading:

Frugal Asian Finance: Frugal Fatigue, What Is It and How to Overcome It? – Every now and then, don’t we all get a bit fed up of not treating ourselves, of holding back on a purchase because we have our spreadsheets and savings goals in the back of our minds? We are not alone!

Rosemary MacCabe: How Much Did I Spend This Week? – Yes, you heard, it’s another Money Diaries Series! I’m always buzzing to spot someone else posting their spending regularly (especially when it’s new to me and means I have loads to binge on!) and this is just made better by the face that Rosemary lives in Dublin, which is close enough to my hometown to relate

Project Beach Life: June 2018 Extra Income – I love seeing how people manage to set themselves up with side hustles, and seeing that the small amounts over several income streams really do add up! For Jax, her main additional income comes from her rental property, but in June, she’s also managed a further $700 on top of that. Go on, girl!

Money Diaries: July 30th – August 5th

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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 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

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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”

Money Diaries: July 23rd – 29th

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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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I feel I owe a bit of an explanation to those few of you who regularly follow my Money Diaries. I’ve been totally AWOL for the past few weeks. After giving myself a week off while on holidays, I’ve unfortunately had several rather brutal things go wrong in my personal life and everything else had been overshadowed.

I won’t go into any great detail so lets just say the last few weeks have been pretty shitty.

So then! Now that I’ve gotten the depressing bit over with, let’s get caught up! If everyone could fill me in on their lives over the past few weeks, that’d be great, cause I have got a stack of blogs to get stuck into!

I ended up having to take some time off work and returned last week, so I’ve decided to restart my Money Diaries from then. I went straight back into an event, arriving on site last Monday to start building. The weather had other plans for us, however, and come Friday, after a week of glorious sunshine, we were treated to torrential rain and thunderstorms for 12 hours straight.

This resulted in us having to cancel 2 events (big metal stage, open area, lightening, not a good mix!) and pretty much made the whole week a wasted one for everyone involved. After a couple of days spent unbuilding our event again, I got home on Monday and have been trying to ease myself back into reality ever since.

As you will know, when I’m travelling with work, I don’t often spend a lot, but this time round I’ve managed much more than usual! A combination of the hot weather and finding my favourite (but surprisingly rare!) wine in stock in the local bar meant I flashed the cash a bit more than I normally would.

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: July 23rd – 29th”

Money Diaries: July 2nd – 8th

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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)

I’m baaack!

After giving myself a sneaky week off from being an adult, including looking at my laptop and therefore, blogging, I am back and raring to go! I’ve got two Money Diaries posts coming this week, so I’m not short changing you for missing last week while I was off enjoying myself.

 

This week was mostly spent preparing myself for taking a week off work, wrapping up some projects and packing an unnecessary amount of my belonging into my new suitcase. It just so happens to be the size of a small country, so I feel I need to fill all the space!

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: July 2nd – 8th”