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”

Money Diaries: December 10th – 16th

Formerlyskint.com - Money Diaries december 16th

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 long term 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.

 

So what I have gone and cleverly done this week, is willingly pay someone £800 to butcher my mouth and essentially remove my ability to eat solid foods just a week before Christmas. Who does that?!

This gal!

Most of the week has been spent lying up popping painkillers like Smarties. I did manage to get my Christmas decorations up but it was very much forced fun, when I would have much rathered just continue lying down and munching painkillers.

 

Of course, as is my life, my dentist trip turned out to not just be a straightforward extraction. The tooth I was saying goodbye to actually had a root wrapped around the root of the tooth next to it. This made it a super painful, super long and super difficult experience!

In fact, it was so bad that I couldn’t carry on with the rest of the dental work planned for that day. I had to return the next morning to have a crown fitted. This was 4 days ago and had it been a standard extraction I should be now functioning like a normal human. However, I’m looking at probably another couple of weeks of agony before things start looking up.

 

OH tried his best to make me feel better, bless him, with festive hot chocolates and an array of the softest foods he could find in Tescos. (I don’t recommend this unless absolutely necessary. A Christmas buffet is not the same when it features the random mixture of soup, risotto, mashed potatoes, Philadelphia and chocolate mousse)

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: December 10th – 16th”

Money Diaries: December 3rd – 9th

Formerlyskint.com - Money Diaries december 9th

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 long term 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.

 

Has anyone elses life just become a Countdown to Christmas? My last day at work is 21st. Unfortunately, I have an event that night so it’ll be a late one, but then I’m off work until January 7th!

I get two whole weeks off work! I’ll be on call in case of dire emergencies, as our venues are still open with plenty of Christmas events going on, but I think this will be the longest stretch of down time I’ve had since leaving university 7 years ago.

 

Like most people, December is usually a crazy month in my social life. This year however, things are a little bit different. I think partly because I do have so much time off over the festive period, I don’t feel rushed to get all my Christmas drinks squeezed into this couple of weeks!

Also, anticipating shelling out close to £1k on dental treatment is hanging over me like a dark cloud.

On that note, where has it all gone this week?

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: December 3rd – 9th”

Money Diaries: November 26th – December 2nd

Formerlyskint.com - Money Diaries december 2nd - Inspired by Refinery29 (photo credit CreativeConvex)

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 long term 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.

 

Last week, I promised you two Money Diaries posts as I’d missed one while I was ill. As I looked over my spending tracker for the week, I realised that there was a really good chance it was going to be the single dullest piece of writing I would ever produce.

I summed it up in a tweet instead:

Money Diaries: November 19th - 25th. formerlyskint.com

I’m back in action this week and am probably feeling around 90% myself again, so that’s good enough for me! I was luckily able to work from home again for a few days this week so getting the extra rest and not trekking to the office in the cold is definitely helping.

I had another generally quiet week, work is crazy busy at the minute with lots of things to close off before Christmas, so I’ve been enjoying not doing much in the evenings and just relaxing!

Despite this, it has managed to be my most expensive week of the year so far.

I watched my first Christmas film and had a peppermint hot chocolate. Then I promptly spend about £500 online on Christmas presents.

 

Weekly Spending Review – The Breakdown:

Continue reading “Money Diaries: November 26th – December 2nd”

Money Diaries: November 5th – 11th

Formerlyskint.com - Money Diaries November 11th - 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 long term 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.

 

This week, I’ve had a well needed break from work. You might be expecting this to be a more exciting money diary than it actually is, so I apologise in advance!

OH was unable to get the same time off as me, so I didn’t manage to go away anywhere, although that’s probably for the best really. I’ve been so busy with work recently, I have totally neglected my apartment and general Life Admin.

So it’s mostly been a week of arranging my finances, having my boiler serviced, fixing my broken apartment and the much dreaded dentist visit. The last time I had a local anesthetic, it made me feel quite ill when it was wearing off, so I thought it best to plan in this appointment for when I didn’t have to go straight to work afterwards.

I did manage to squeeze in some fun with friends amongst all of the boring bits, and I’m pretty happy with how little I spent doing it. The perks of my job include free gig tickets to most events I would want to go to across the country, so I like to take advantage when I have the time. The downside being that because I work so many night and weekends, it’s actually usually my friends and family who benefit from this perk!

 

Weekly Spending Review – The Breakdown:

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