Money Diaries: 19th – 25th March

formerlyskint.com - Money Diaries March 25th

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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Here we are again, I feel like I wouldn’t even notice the weeks passing if I didn’t seem to be always writing a Money Diary post!

This week has been a bit calmer than last week, lots of nice walks, since the weather has finally started to take a turn for the better. I’ve spent most of my weekend being super lazy and drinking gin cocktails in the garden. I mean, it’s not exactly warm yet, but it’s dry, and that’s pretty much the best us poor Brits can hope for.

Sidenote: This Copeland Raspberry and Mint Gin is currently my life!

 

The most productive thing I’ve done this week is give a gift to a friend which I bought for her 30th birthday. In September. She then found out she was pregnant in November, so I bought her a gift for that too. Then I bought her a Christmas gift. Essentially, she came to visit and left with a gift for every occasion one person can encounter in a year!

If you are all out there thinking I’m the worst friend ever, she also gave me my birthday and Christmas present. My birthday was also in September. It’s just how we roll.

A well stocked drinks cabinet has made this a fairly inexpensive week overall, but I did buy a birthday gift for OH which racked up my total spends significantly. I like to think of it as saving my future self money.

That flies, right?

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: 19th – 25th March”

2018 Goals: How Do I Measure Up So Far?

Formerly Skint - 2018 Goals A Review

Guys…It’s almost April. The first quarter of 2018 is officially over.

Exactly one week ago, to the hour, it was snowing. Today, I am writing this in my garden with a gin cocktail in hand. Granted, I am well wrapped up, but it is a beautiful day!

 

I thought this would be as good a time as any to have a look back over my financial goals for the year, since we are fast approaching the July deadline which I’d set on a couple of them.

I have always been well aware that these would change through the year and I’m fine with that, as long as I have a starting point though, I really do need motivation to save money.

 

You can read the full post on my financial goals for the year here.

My financial wishlist looks something like this…

Continue reading “2018 Goals: How Do I Measure Up So Far?”

Money Diaries: 12th – 18th March

FormerlySkint.com - Money Diaries March 18th

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 can’t actually believe I’m here, I’ve survived, I’m on the other side of a weekend that more or less killed me off with excitement, St Patrick’s Day AND the Most Anticipated 6 Nations Match to Date. All in one go!

In fairness, aside from this, I’ve had a very dull week. Lots of working from home, which always drives me a bit mad. When I spend all day in the house, by around 7pm I am bouncing off the walls like a puppy that needs walked. So this has been a lot of my evenings, walking around the park near my house, or by the promenade on the less wet evenings. I am old before my time!

I have been, quite frankly, dreading looking at my spending. I feel like I have spent a lot more than I actually did, some impromptu flights booked and a long day of celebrations on Saturday made it seem like I was just throwing money out the window essentially.

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: 12th – 18th March”

Money Diaries: 5th – 11th March

Formerly Skint Money Diaries March 11

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 I am ready to rock!*

(*Input data)

 

This week has been a pretty short one by all accounts, I had a couple of days off work at the beginning of the week to make up for having worked all of last weekend on a bloody ferry.

Unfortunately, this gave the time to go shopping! I’ve been pretty well behaved really, and considering I took the flu a couple of days later, that’s meant I’ve not spent anything at all for a few days, while I’ve been lying on my sofa feeling sorry for myself and taking care of far more chocolate than any one person should consume.

I’ve also had my Dad and brother visiting for one night only. They are both massive football fans and “visit” quite often to go to matches at the stadium near my house. I use the term “visit” loosely, as most of my quality time with them tends to take place in the car while I’m acting as their taxi driver doing airport and stadium runs!

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: 5th – 11th March”

Got Your Number? Understanding and Improving Your Credit Rating

Understanding and Improving Your Credit Score. How to boost your credit score to get a mortgage

I need to increase my credit score, Where do I start?!

Up until my mid twenties, my credit score was not even remotely on my radar. I had never thought about what it might be, if I had one, how to improve it, or even how to find out what it was.

I really began focusing my efforts on how to increase my credit score to buy a house, however, I did start to pay a bit of attention to it about a year before that. I signed up for a free website which gave me a very basic rating, but after a few months, I wanted more information and registered to receive my full credit report. Experian, and most of the other credit checking websites, will offer a free 30 day trial ahead of a monthly subscription.

Continue reading “Got Your Number? Understanding and Improving Your Credit Rating”