Money Diaries XL: February Review

February Money Diary Review Info

Some time mid January, following a session of binge reading Refinery29’s Money Diaries series, I decided to track and share my own spending. Having completed one whole calendar month of this, I’m kind of surprised by how unsurprising the results are. I thought it would be easier to make sense of this and budget going forward if I broke it down to a percentage of my monthly salary.

The infographic above (which I have LOVED producing!) shows the breakdown of my month.

Continue reading “Money Diaries XL: February Review”

Money Diary: 19th February – 25th February

Money Diaries Feb 25th - UK Personal Finance blogger tracking my weekly and monthly budget

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 (so far) of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements, a weekly budget worksheet and a monthly budget worksheet and I am ready to rock!*

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This weeks Money Diary is coming a little bit later than usual, I’ve had a super busy week/weekend! On Thursday after work, I flew home to Ireland for a weekend with family. My day is always jam packed when I go to Ireland, as I have a big family to see, and there is always something going on! This weekend was both my best friend and her partners birthdays. We were fairly tame, and headed out on Saturday afternoon to watch the Rugby and have a few drinks.

I also managed to squeeze in a bit of car shopping, a family friend owns a used car lot, and I much prefer to buy, or at least get a bit of advice, from someone i know when it comes to this kind of thing. I test drive a couple and have pretty much decided on what I want. So at least I now have more of an idea on how much I need to save over the next few months!

After all of this, I had expected to be horrified when I totalled up my spending, but to be honest, I’m really quite ok with how it worked out!

 

The Breakdown:

Continue reading “Money Diary: 19th February – 25th February”

Money for Nothing? 4 Ways to Earn Cashback as You Shop

Formerlyskint.com - Earn Cashback on your Shopping

Over the years, I’ve seen countless adverts for cashback websites.

Cashback credit cards, cashback bank accounts, cashback rewards are everywhere!

I paid very little attention to it in the beginning, assuming it must be a bit of a scam. Surely anything offering to give you free money just for spending money must be a scam, right?

Not necessarily…Now, as I have mentioned before, I am no financial expert. I do not claim to have any qualifications making me the person to trust with your money. I do, however, have a keen eye for saving, and a slight obsession with money in general, and over the years, I’ve built up a fairly useful set of personal financial planning tools.

In the months leading up to buying my apartment, a good work friend had mentioned one day that she had logged into her long forgotten TopCashBack account only to find that she had £300 of cash rewards sitting there waiting to be claimed. My first thoughts? Bullshit.

Continue reading “Money for Nothing? 4 Ways to Earn Cashback as You Shop”

Money Diary: 12th February – 18th February

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 (so far) of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements, a weekly budget worksheet and a monthly budget worksheet and I am ready to rock!*!

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What a week! I feel like I have barely had a chance to sit down! Work has been pretty crazy, I’ve been travelling lots, working on several different events, long days and even longer nights!

Usually, weeks like this don’t really allow me to spend a lot of money, however, a couple of hiccups this week have bumped up my total…

 

The Breakdown:

Continue reading “Money Diary: 12th February – 18th February”

Money Diary: 5th February – 11th February

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 (so far) of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements, a weekly budget worksheet and a monthly budget worksheet and I am ready to rock!*!

(*Input data)

 

Seriously, I can’t believe I’m writing my third Money Diary already. This year is disappearing before my very eyes. It feels like yesterday I sat down with my spreadsheet and decided to track all of my spending, now, 6 weeks in, I’m really beginning to get a better picture of where my money actually goes.

 

In fact, I’m so obsessed with it, that I’ve even persuaded OH to have a go! I can’t promise he will be anywhere near a dedicated as me, but I’m hoping seeing his spending will help me work out or overall financial situation. One of my biggest problems was that I was never sure how to create a budget, simply because I have no idea how much OH spends on things like groceries, compared to me.

 

The past week has been very…average, I would say. OH splurged and bought a new portable bluetooth speaker, so i enjoyed that with him for a little while and resisted treating myself too!

 

The Breakdown:

Continue reading “Money Diary: 5th February – 11th February”