Money Diaries: June 11th – 17th

Formerlyskint.com - Money Diaries June 17th

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 has been mostly spent preparing for travelling loads over the next few weeks, from now until mid July, I will barely see my own bed.

I’ve had my car in the garage for a service, my MOT is due next month and I like to give myself a bit of time to get any repairs done. I’ve also noticed that my brake pads need changing soon, so I wanted them to have a look at that and price it up.

When I arrived to collect the car afterwards, the first thing the mechanic said to me was “Well, I suppose she’s hanging on in there isn’t she!” which didn’t exactly fill me with confidence about the long term prospects for my car. Not that this is news to me! At least in the short term, I have nothing major to repair, and all in all it cost just over £100 for the little bits they did do.

 

I’ve also been rooting through my accounts and having a look over my original financial goals for the year. I’m starting to draft my second quarterly review (check out my March review here), but with so many outgoings this month, I’m struggling to see the positives. I’ve not been able to add to my car savings recently which has annoyed me, but I should give myself a break really. Most years, I’ve had to dip into savings to pay my car insurance and I’ve not done that this year.

 

Swings and roundabouts, I suppose!

And on that note…

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: June 11th – 17th”

Money Diaries: June 4th – 10th

Formerlyskint.com - Money Diaries June 10th

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)

 

So, a week has passed and I am now just about getting over the “fish incident” from last week, the nightmares have subsided and I think I’m safe from PTSD.

 

The past week has been a well needed “quiet one.” This was mostly due to work being incredibly busy, but also I just felt like I needed some Me Time, after a pretty crazy few weeks.

 

That Me Time also included celebrating OH’s birthday! We went to a gig at the weekend (Travis, playing The Man Who album in full! My review: A*) and went out for dinner beforehand. These are a band I grew up listening to, my Mam was a fan and I remember listening to their cassettes in the car on the way to school. Somehow, in the thousands of gigs and festivals I have worked on, I had managed to make it until now without seeing them! Just a good as I expected ❤

 

Of course, about two weeks after spending £100 on tickets, I found out that a good friend of mine is working on the tour and I actually could have gotten in for free anyway. Typical!

 

We’re actually trying to cut back on going out for dinner and drinks this month, especially midweek. We have so much to pay out, mostly on the car, over the next 2 months that we really need to curb our spending. So this may be our last extravagance for a while.

 

And on that note…

 

Weekly Spending Review – The Breakdown:

 

Bills: £86 – Just my gas and electricity to pay this week. The dreaded water bill has also arrived, as predicted. It seems a little bit high but hopefully it will even itself out on the next installment. I’ll probably wait until payday to pay that one…Reluctantly.

 

Groceries: £27.97 – As OH’s birthday fell midweek, we celebrated with a nice home cooked dinner and some wine. I had bought him tickets for the gig a couple of months ago as his gift so I didn’t spend anything more on a present, just cooked up lots of his favourite food and got some wine in. We had leftovers for daysss!

 

Expenses/Car Expenses: £123.94 – I finally picked us up a Henry Hoover for our office and it’s made me much happier than any cleaning appliance should! I ended up spending a full 2 hours blitzing through the office on Monday morning, procrastination at its finest!

 

Lunch: £26.87 – This was a pretty expensive week for lunches compared to most. I worked long hours though and was often having a late lunch/early dinner at my desk. I often skip lunch and just have snacks, as I can get so engrossed in something I’m working on I don’t notice the time pass! This week, I did not let that happen…and I only brought lunch from home one day, oops!

 

Entertainment: £9.50 – So it seems like I must have had the most boring week ever, but as I said, I really needed it! This was a cocktail and a beer at the end of a monster walk with OH on Saturday. We did go out for dinner before our gig at the weekend too, but OH paid for that and our drinks in the venue, because my bag was too small to fit my purse in so I just left it at home! Women problems…

The rest of my entertainment for the week mostly just revolved around food, which I’m totally cool with.

 

Clothes: £0

Toiletries/Beauty: £0

Takeaways: £0

Travel: £13.77 – This was our Ubers to and home from the gig at the weekend, and also the fee for a toll bridge I crossed. I have mentioned this toll bridge before…I have an ongoing battle with this particular toll bridge…

Anyway, long story short, I’ve only gone and gotten myself another p*ssing fine, haven’t I! That will be (begrudgingly) included in my Money Diaries next week. Bloody fuming.

Gifts/Charity: £0

 

Misc: £7.99 – Sometimes I like to kid myself into thinking I’m going to get fit. Most recently was just last month, when I downloaded a free trial of the premium My Fitness Pal. I dutifully tracked every bite I ate and forced myself to do some exercise…for all of about 4 hours, then immediately forgot about it. It renewed for £7.99 this month as I didn’t cancel in time…I always forget to cancel my free trials!

 

Total: £296.04

To be Returned on Expenses: £123.94

Actual Spends: £172.10

 

This definitely wasn’t the worst week. I’ve been expecting a nasty shock looking at my totals for the week, but I think I am just so aware of how much money I have yet to spend this month, that I feel like I am just scattering money in every direction 24 hours a day!

 

This week has been an expensive one already, after my car service, car insurance payment for the year, toll bridge fines (grr!) and it is only going to get worse unfortunately.

 

On the plus side, I did manage to pay for my car insurance on my new AMEX card, which has brought me just shy of the £2000 spend needed to get my Welcome Bonus.

 

I’ve been getting myself in a bit of a panic over how much the insurance might be on our new car, and whether we can even afford to pay for it all upfront. I’d really rather not have to add it to our monthly outgoings.

 

I’m now thinking I might pay upfront and put the full amount on my 0% credit card. I’ve got another 8 months interest free on that card, so more than enough time to clear it, I’d be planning on paying it all off over around 3 months, or possibly less.

 

So that’s where I’ll leave you for this week, I am essentially up to my neck in bills and can’t wait to have a gin at the end of the month!

 

(Any advice on the car insurance front is more than welcome!)

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Money Diaries: May 28th – June 3rd

Formerlyskint.com - Money Diaries June 3rd

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)

 

If there’s one thing that writing these Money Diaries has taught me, it’s that every week is a busy week. I sit down to write my post, and the first thing I think is “Well this has been a busy week!” and i think I need to stop commenting on it and lets just assume all the weeks have been busy!

Last week was just that: Busy. I had a friend visiting from Ireland, she wasn’t staying over with me this time round, she stayed with another friend, but it was great to see her. As I wasn’t able to take holidays from work while she was here, I managed to see her lots but without spending too much money, as I missed out on most of the fun activities they did in the daytime.

 

Work is crazy as ever, I’ve been finalising a lot of the prep for some of my outdoor events this summer so am finally starting to get some shape to the next 3 months of my life, which is a nice change.

I spent my weekend binging on new personal finance blogs, after discovering the Monthly Roundup on the UK Money Bloggers website. This was squeezed in between doing what felt like a never ending basket of laundry which was lurking around since my holidays/work trips. I can finally see the bottom of the basket again!

On to the money talk…

 

Weekly Spending Review – The Breakdown:

 

Bills: £547.61 – So basically, from the 28th – 7th each month, I do not think in terms of days. Every day is simply “Bills Day”.

What you up to tonight? Paying Bills.

What did you have for dinner yesterday? Paying Bills.

So far, I’ve got my mortgage, apartment service charge and an extra payment on my Council Tax out of the way for the month. From here on in, it’s mostly small amounts to think of, my phone bill and utilities etc.

 

It is also coming the time of year when I should expect my water bill to come. I think I’ve probably mentioned this before, but I have a serious hatred towards paying for water. It came as a bit of a surprise to me when I first moved from Ireland to England, as we do not have to pay for water back at home.

 

Groceries: £19.51 – I’ve been super lazy this week and pretty much just haven’t bothered with shopping! I nipped out to pick up the ingredients for spag bol, which we made last us for 3 days worth of dinners. Normally, I find it really hard to use up leftovers after day 2, I hate having the same dinner for days on end. However, this week we were glad to have something quick and easy to dig into as both myself and OH have been busy and have barely even had the chance to eat together never mind cook!

 

Expenses/Car Expenses: £0 – A full week actually spent in my own office! No travelling! And with it being a 4 day week due to a bank holiday last Monday, it seemed like it might be the quickest week of my life.

 

Lunch: £13.82 – Despite being in the office for 4 days, I managed to keep my often erratic coffee spending in check! I had a proper nice lunch one day, skipped lunch twice, once due to being generally super busy in the office and just forgetting, and once as I was heading for a meal out straight from work. I assume the 4th day I either skipped lunch again or had something mildly depressing, as I can’t even remember it.

Still not allowing myself to feel guilty over my one little coffee pleasure in the day 🙂

 

Entertainment: £55 – I had expected this category to be pretty high this week as my friends were in town, but I’ve realised that really, I can go out to eat in my favourite restaurants without spending a small fortune! I haven’t drank much alcohol this week as I’ve mostly had to drive places, so that has definitely saved me a lot. It’s amazing how quickly a couple of cocktails can double your restaurant bill!

 

This £55 actually covered my own dinner out one evening (accompanied by a Pepsi, shock!) and also lunch for myself, OH and my friend on Saturday afternoon. How reasonable is that?! Also, I feel like I should point out here that this does include tips, I’m never going to skimp on a tip to save myself a couple of quid on an evening out.

Well, it includes tips for our lunch out, during my dinner out, I felt I had to retract my tip due to having one of the most horrific experiences of my life. More details below…

 

Clothes: £21 – OK, so I don’t really think this should be categorised as clothes, because I bought myself a new purse (I know, I know, it’s bad luck to buy your own purse, but there are only so many not-so-subtle hints I can give OH and I was starting to lose bank and credit cards due to the holes in my old purse!) and I don’t really count that as “clothes” as such.

 

Toiletries/Beauty: £50.04 – Guys, this is where my horror story comes in. So when I was out for dinner during the week, I had a delightfully average meal, nothing to write home about but it filled a hole. Upon receiving the bill, I went into my handbag to grab my purse to pay up, and I discovered approximately one entire meals worth of dinner in my bag. Someone else’s dinner. Including a huge, gross, slimy bit of fish skin which had managed to wrap itself throughout the bristles of my hairbrush, along with some other unidentified mush. As everyone sitting at my table ahd ordered from the vegan menu, we realised it must have fallen off a plate when the waitress cleared the table behind. Cut to me almost being sick all over the restaurant and a very unapologetic manager.

 

I had to go straight from the restaurant to Boots and pick up a new hairbrush, as well as a makeup sponge and a few other bits of makeup which had been “affected”.

I am honestly turning my stomach even thinking about this right now, so I will say no more on the matter. Except that I am basically scarred for life (I should mention that I have a pretty severe and entirely irrational phobia of fish!)

 

So there’s £50 I wasn’t expecting to have to spend, and I’m still a bit annoyed that the manager didn’t even knock a bit off our bill as it was quite obvious that I was going to have to spend a pretty penny to replace several items. Things like my laptop case and leather notebook/diary have just been given a super-serious scrubbing!

 

Takeaways: £0

 

Travel: £8 – I’ve already mentioned I was doing quite a bit of driving over the week so wasn’t able to drink. This was a couple of quid for parking and an extortionate £6 in total to pick up and drop off my friend at the airport. I’ve also crossed a toll bridge a couple of times last week which ferrying around other friends, and forgot to pay for it at the time. You usually have 24 hours to pay online, so I’ve paid up today, 4 days late, and am really hoping I don’t get hit with a £50 fine!

 

Gifts/Charity: £11.25 – I saw an advert recently for Fathers Day, and while I still have absolutely no idea when it is, I ordered a card each for my Dad and Step-Dad from Love Layla, who do some amazing step-father cards, all proper tongue in cheek, just like my family! This year, I’ve gone for one referring to him as my “Bonus Dad” which might be my new favourite phrase. To my UK readers, this is your Father’s Day reminder!

 

Misc: £0 – Love Love Love having £0 misc spends!

 

Total: £726.23

I had expected to spend a bit more this week, with having friends visiting and meals out, but it’s actually been a pretty good week for spending. Taking out my bills, I’ve actually spent less than £200.

Over the weekend, I contacted Barclaycard as I’ve been receiving probably several trees worth of junk mail from them per month. I’ve been in touch with them twice already to stop this and when I mentioned this on the phone, they immediately started a complaint process. I didn’t actually want to make a complaint because I am a reasonable human with better things to complain about, I was simply letting them know, but they credited my account with £25 as a goodwill gesture regardless! I did spend this along with buying my new purse, so around £20 went to a new underwear set, and the remainder went towards the purse.

I love free money!

This is likely to be an expensive month overall, as I need to have my car serviced, MOT is due in July. I’ve been hearing the tell tale sounds of some brake pads which need replacing, so that’s a definite repair I know will be required, and you know yourself, there always seem to be about 5 small jobs which “need” doing and end up costing about £100.

My car insurance is also due to be paid up next week. We pay in full each year to take advantage of the early payment discount as much as possible and it’s so nice not to have to think about it for the rest of the year! When we do finally get the new car, I’m still unsure as to how we will pay for insurance, I’m aware that it’s likely to cost us up to twice as much to insure a new car than what my current car costs, but it’s so difficult to get a quote until I know exactly what I am buying as they all vary so much. Ah, first world problems!

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Money Diaries: May 21st – 27th

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)

 

Is there any nicer feeling than having 2 full weeks out of the office?

Is there any worse feeling than returning to the office after having been off for 2 full weeks?

 

That’s pretty much been the last few days for me.

After being on holidays and then heading straight on to site for an event, I’ve just about managed to catch up again with emails/phone calls/paperwork/meetings/all the things you forget are even a part of your job.

 

While I had a couple of days working from home at the start of the week to ease myself back in gently, the end of the week was pretty manic with 2 of our company directors in town for meetings. They both usually stay in my apartment when they are in this part of the country, which is ace for several reasons…not only do they tend to treat me to dinner out, but I also get paid extra from work for hosting, which is a great rule they brought in a couple of years ago after realising how much they were able to save on hotels by just utilising my spare room!

 

This isn’t as weird as it sounds, they are actually friends of mine as well as being my bosses, I have worked with both of them in various roles and other companies before they brought me in to my current position.

 

Weekly Spending Review: The Breakdown:

Continue reading “Money Diaries: May 21st – 27th”

Money Diaries: May 14th – 20th

Formerlyskint.com - Money Diaries May 20th

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)

 

At the end of last week’s Money Diaries post, I was left with two outcomes for the week ahead: I was either going to spend a complete fortune, or not spend a penny while working away from home. I’m pleased to say I managed to spend very little when I finished up on holidays and made my way to a sunny field to kick off festival season!

 

I love working on outdoor events, especially when we get the beautiful weather we have done over the past few weeks. There’s always something different going on and absolutely no two days are ever the same!

This week, however, has been a little bit bittersweet. While I don’t generally discuss anything on this blog that doesn’t affect my finances in some way or another, I just don’t think I can write a blog about my week without mentioning this.

 

For any of my friends across the pond who may not be aware, today is the first anniversary of the Manchester Arena bombing which killed 22 people following an Ariana Grande concert.

I learned of the news when I was woken by a panicked phonecall from my Mam early the next morning, checking that I was ok.

I was in no way involved in this event, but it really hit home with me for several reasons. As well as the venue not being very far from where I live, it’s one I have worked in on several occasions in the past. It could have been any venue, it could have been my venue.

The music industry is a small one, and many of the event crew and security staff working at the arena that night were colleagues of mine. It was some of these colleagues who I have spent the last 5 days with. Working on a large concert. It could have been any concert.

 

No one should ever be afraid to do the things they love, be that going to a concert, travelling somewhere new, or simply doing our job. We will not let this win.

 

I’ll never really be able to find the words to convey how I feel about the situation, or the emotions that are stirred up as I watch the memorial service on the news. So I’ll get back to what you came for, back to the money!

 

Weekly Spending Review: The Breakdown:

Continue reading “Money Diaries: May 14th – 20th”

Money Diaries: May 7th – 13th

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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)

 

Not just one day late, but TWO days late with this weeks Money Diaries!

I’m currently on my holidays and have had a wonderful 5 days (mostly) internet and phone free. My intentions had been to get an hour or so of work in each morning but once I arrived at our beautiful little cottage by the beach, my mind was changed almost immediately. I’ve really enjoyed getting offline and just being able to forget about work for a few days.

 

Anyway, if you remember from last week, I have been holidaying with OH and his family for a few days in South Wales to celebrate basically every occasion one can celebrate (several big birthdays and an engagement!) The beaches are beautiful, the walking routes are never ending, and there are plenty of pub stops along the way. Just how I like it! And although I know we are a little bit early in the year and are still out of “holiday season”, I’m still really shocked by how quiet everything is. We have more or less had the beaches to ourselves.

OH has been pretty great this week and has picked up the tab for most of our expenses, I think he feels bad having “dragged” me on a family holiday, but I’ve really enjoyed myself! There is, however, a good chance this will mean that come the end of the month, I’m picking up more while he awaits payday!

 

Weekly Spending Review: The Breakdown:

Continue reading “Money Diaries: May 7th – 13th”

Money Diaries: 30th April – 6th May

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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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In a week where the Tories “won” an election by losing 33 councillors, North & South Korea shook hands and Donald Trump considers “closing up” the USA, I have managed to spend over £1000.

I know, right?

Everything is on it’s head!

I have had a pretty busy week, catching up at work after having a couple of days off and also preparing to have some more time off next week.

I’ve also been to a concert with OH on Saturday night, although we had to call it an early night and leave as soon as the performance finished as he was working super early the next morning. As much as I wanted to stay out and enjoy the post-gig atmosphere, this was probably for the best, as I also had lots to do the following day!

And another busy couple of weeks coming up, myself and OH are off to spend a week in the countryside with his family to celebrate his dad’s 60th Birthday. Between now and us leaving on Friday, both of our schedules are jam packed, so I’ve had to try and squeeze in some holiday shopping this weekend while OH was working. Before that, I’m also travelling with work for one night.

We are still pretty disorganised though, we have yet to pick him up a gift, and his grandmothers birthday also falls within the same week…as well as his sister having just gotten engaged a few weeks back, so we have got a lot of gift buying to do!

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: 30th April – 6th May”

Money Diaries: 23rd – 29th April

Formerlyskint.com - Money Diaries April 29th

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 have never been more excited to share my money diaries than I am this week!

Despite having a busy one with family visiting early in the week, and then me travelling back home to Ireland for the weekend, I have barely spent anything!

 

After flying home on Thursday, I had a fairly quiet weekend, it was my grandads birthday so much of the weekend was spent chilling with him and being treated by my Mam to lunches out. The weather has been a welcome change, Ireland is beautiful when the sun is shining, by contrast, when it rains, there is VERY little to do…in my neck of the woods, anyway.

 

I went for a hike up the mountain near my house, which I used to spend my childhood summers running around on, that was a nice blast from the past and didn’t cost a penny. We brought a picnic lunch and spent the whole day enjoying the sunshine.

 

My family also played host to some cyclists over the weekend, who were taking part in the All Ireland Cycle Against Suicide. That was probably my favourite thing about the weekend, it was heartwarming to see so many people out raising money for such a good cause, and the least we could do was give them a bit of dinner and a bed for the night.

A great night’s craic was had by all!

 

I can bang on about how little I spent all week, but let’s get down to the nitty gritty….what did I spend?

 

Weekly Spending Review – The Breakdown:

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

Money Diaries: 16th – 22nd April

Formerlyskint.com - Money Diaries April 22nd

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 am armed with my bank statements and a monthly budget spreadsheet and I am ready to rock!*

(*Input data)

Ok, so I think we can officially say summer is on it’s way!

This week has mostly been spent smashing through lots of work that had fallen by the wayside last week due to events and days off. I had an event on Monday, which entirely threw me off for the rest of the week. I don’t usually work late on Monday nights, so finishing that shift and realising I still had the whole week to go was fairly depressing.

When the sun reared its head, myself and OH made a beeline for our favourite woodland walk, which is about an hour drive from where we live. The rest of the weekend was spent spring cleaning the apartment in preparation for family visits this week and enjoying having every single window open.

It’s been a pretty expensive week overall, as I’ve done a bit of clothes shopping and spent quite  a bit on my little brother for his birthday.

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: 16th – 22nd April”

How Tracking my Spending has Improved my Finances

FORMERLYSKINT.COM - How Tracking My Spending has Improve my Finances

It’s no secret that I am a long time fan of Refinery29’s Money Diaries series. I check religiously every week for the new posts, and after discovering the U.S. version about 6 months ago, I’m totally hooked on that too, (even though I have no idea how much they are actually spending!)

I always wanted to submit my own, but just never quite got round to it.

 

Shortly after Christmas 2017, I took a good look at my finances and realised I was slipping in to old habits of spending money on what I can only describe as “stuff.”

I was feeling especially motivated, with it being January and me obviously being broke, to kick my money back into shape. I thought, why not start my own Money Diaries? Why not post it on a blog? Why not do it for a whole year?! 

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