Net Worth Newbie - net worth newbie

I’ve been following various bloggers tracking their net worth for a couple of years or so. Over the past few months, there seems to have been a little flurry of posts from some of my favourites focusing on net worth.

After reading some of these, I realised that I track literally every other aspect of my financial life, but this was one thing I didn’t have a full grip on. I mean, I had a rough idea, but tracking my net worth on a page in black and white? I am a newbie!


I built a super simple net worth tracker spreadsheet and started on December 8th. I’ll be updating this on the 8th of each month going forward.

All well and good, but the one thing I have struggled with is how exactly to calculate the magic number. There are so many variations on what people think should be included and I can see it from all sides!

Continue reading “Net Worth Newbie”

2018 Money Diaries XXL: Recap

After taking a bit of a break over the holidays, I’m back with a roundup on my Year of Money Diaries.

I went in to 2018 feeling like I was in a bit of a rut financially. In the past, I have been relatively good with saving..but only when I had an end goal, something tangible I was saving for.

Since buying my first home and moving in, everything seemed so expensive, I was basically hemorrhaging money and it was basically impossible to save anything more than the bare minimum.


Even after I had furnished, decorated and fixed ip a few bits (very slowly!) I had fallen into my old habits of wasting money on “stuff.”

In an effort to put a stop to this, I decided I needed to figure out what this “stuff” was by tracking my spending. Every penny. That’s where this blog came in. I needed to give myself some level of accountability or I would quickly lose motivation!

Continue reading “2018 Money Diaries XXL: Recap”

2018 Financial Goals: A Halfway Review - 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”

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: March 26th – April 1st - Money Diaries April 1st

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)


You may have noticed that I’m a day late with my Money Diaries this week! Unfortunately, due to a minor tree-climbing incident, I spent most of yesterday with my wrist on ice.

A stark reminder that I am actually 29, not 9.


Anyway, a quick trip to the doctor this morning confirms I am slightly overreacting, and with the help of a support bandage, it should be back to normal in a week or so! Quite a long time considering a lot of my job involves typing and driving…we’ll see how that goes!

Before that happened, I’d had a lovely weekend! With last week being a 4 day working week, it flew in, and Friday was spent getting all of the dull household chores out of the way.

On Saturday, myself & OH did The Big Shop ahead of cooking a huge roast dinner for some friends on Sunday, then went out for a long walk. Sunday diner was a tonne of fun, it was nice to catch up with some friends we don’t see very often.


Weekly Spending Review: The Breakdown

Continue reading “Money Diaries: March 26th – April 1st”