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!*

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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?! 

Continue reading “How Tracking my Spending has Improved my Finances”

Money Diaries: April 9th – 15th

Formerlyskint.com - Money DIaries April 15th

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 am late again! I’d hoped to get this finished and posted yesterday, but as I was working on an event from 8am – 2am, I think that was probably a bit optimistic of me.

I’ve had a great week as I had a couple of days off work to spend with a friend who was visiting from home. It was great to see her and catch up, she has a lot going on at the minute, having recently had an offer accepted on her first house, so most of her time here was spent discussing very adult topics like mortgage interest rates and life insurance. We felt very grown up, so offset this by doing it over cocktails and ice cream in the rain.

Over the rest of the week, I managed to cross a lot off my to-do list. Feeling productive, overall! I sometimes think I work better when I have a shorter week, as I feel more under pressure to wrap things up before taking time off, even if it is just a couple of days.

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: April 9th – 15th”

Money Diaries: April 2nd – 8th

Formerlyskint.com - Money diaries April 8th

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)

 

Here we are again, the weeks really do just fly by, don’t they?!

 

This has been a pretty busy week for me both with work and socialising. My working week was chock-full of meetings, so despite being a four day week, has felt so looong.

 

Myself & OH have been to a cracking gig this week too (Jarvis Cocker, if you are interested!) which was in the oddest but best little venue I’ve ever seen. It’s literally a series of 200 year old tunnels, which runs underneath Liverpool and no one know where they go, what the purpose ever was for them or even how long they are/how many are joined along the way.

It’s one of those mysteries that I have been obsessed with since I first heard of it around 10 years ago.

 

The most common story is that the man who commissioned the tunnels to be built actually had no specific reason for them himself, and simply employed people to keep them in work and earning money. I do hope that’s true, what a lovely idea!

 

Anyway, a team of volunteers have been excavating the tunnels for years, so it’s definitely an area I’ll be visiting again in the future.

 

Weekly Spending Review – The Breakdown:

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

Money Diaries XL: March Review

So guys, here we are, my second full month of posting my Money Diaries!

I hope you’ve been enjoying it as much as I have. If nothing else, it’s given me another outlet for my money obsession, rather than bending the ear off poor OH.

FormerlySkint.com - march xl money diaries
Formerlyskint.com – March Money Diaries XL

 

I feel like some of my habits are definitely becoming clearer, and as I’ve mentioned in the past, almost immediately after publishing my first Money Diaries post, I became more mindful with my spending.

Even if no one actually reads it, there’s just something about baring your spending so publicly that kind if shames you into second guessing that Uber, sneaky curry or trashy magazine!

 

March has been about as successful a month as I can hope to have. I’m pretty much in awe of my savings rate, but I think there may be an explanation for that…

Continue reading “Money Diaries XL: March Review”