Money Diaries: August 13th – 19th

Formerlyskint.com - Money Diaries August 19th

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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When I was in primary school, my teacher banned us from using the word “nice” to describe anything in our work. I have been trying to think of a different word to use in its place to describe my week, but I really can’t.

I’m sorry, Mrs McGuinness, but my week was really very nice.

 

I have been more content with myself than I have in some time, I’ve wrapped up two big projects at work, which have been in the works since the beginning of the year. These had been particularly stressing me out after being ill last week and not feeling up to getting much work done.

My company is buying over another smaller company and I have been working behind the scenes on new structures and procedures as we will be branching into a couple of geographical areas which we don’t currently operate in.

It’s all been very exciting and finally, the cat is out of the bag and it’s all hands on deck!

 

Aside from that, I’ve had a visit from my friend with her newborn baby, who is just the tiniest cutest most squidgy wee thing I have ever seen and I think I’m in love! I’m not usually the broody type, maybe it’s the thought of my 30th birthday looming over me!

I also had a full weekend off work, so myself & OH went to a gig. It was kind of cheating as it was a gig run by my company, but that meant we had free tickets, free accommodation on site (it was a 2 hour drive from home) and access to the backstage catering and drinks.

Lots of great free entertainment this week, but I’ve still managed to do my fair share of spending…

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: August 13th – 19th”

Money Diaries: August 6th – 12th

Formerlyskint.com - Money Diaries August 12th - Inspired by Refinery29

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:

Continue reading “Money Diaries: August 6th – 12th”

Money Diaries: July 30th – August 5th

Formerlyskint.com - Money Diaries August 5th - Inspired by Refinery29

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

Formerlyskint.com - August Review Financial Goals 2018

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

formerlyskint.com - Money Diaries July 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!*

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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”