Budgeting
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5 Things I Cut From My Budget
I’m lucky that currently I am able to save over 50% of my total income. I have six streams of income but live solely off one. Meaning, I am able to save a decent amount and could live off more. But I choose to live frugally to work towards my FIRE goals. So since I started budgeting, I have cut lots of things from my budget. Mostly because they don’t bring enough value to make it worth spending that money! Here are five of them – plus how much I have saved since cutting them 😉 A car Having a car was the single biggest drain on my finances! They are…
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January Money Breakdown – How I Spent £1,789.22
2022 is now way underfoot, one month down, eleven left!! I have decided to start sharing my monthly financial reviews in long format content rather than just on my instagram as I would find this complete breakdown more valuable than a pie chart! So without further ado here is my January money review. A complete breakdown of how I spent £1,789.22 – I do also share my income at the end 😉 Spending #1 Essential = £1370.84 My essential spending in January can be split two separate categories – groceries and rent. I pay my rent at the start of each term, instead of monthly or weekly. In my case,…
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2021 Financial Review – How I Saved 50% of my Income
In the past 12 months I have moved house 3 times, opened 7 new bank accounts, crushed my little finger, started credit card hacking, read 140 books, drove the NC500, eaten my bodyweight in crisps, zip lined off a quarry in Wales, learnt to like rosé, went to my first comedy show, threw an epic halloween party, taken countless lateral flow tests and so so much more….a hell of a year! But it’s over so now its time to dive into my 2021 financial review. It feels like moments ago that I was writing my 2020 overview… seriously where has this year gone! I can’t get over the fact that…
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How I am Budgeting for Christmas
In this post, I will be breaking down my Christmas budget for 2021 and sharing all the details! At the start of every year, I start a christmas sinking fund – where I consistently add money into it so when christmas comes around I’m not scrambling to find the money to cover all christmas related expenses. This also ensures that I won’t start the new year owing myself money – I can start January fresh and ready to take on 2022 headfirst! This year, I am giving myself a £450 budget for all things christmas. We’re talking gifts, transportation home, christmas market trips, housemas (mini christmas with my uni family),…
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How Much I Spend – Student Money Diaries #2
Back with another instalment in the student money series, where I share how much I spend as an ordinary student living in a UK city which has an average cost of living! Highlights of this week were a cocktail night and a day trip to Windermere! MONDAY No spend day!! Spent Monday working on my blog, doing reading for my dissertation and general lifemin (e.g. watering my plants and dusting my room). TOTAL = £0 TUESDAY 8am Wake up early and spend the morning working through my to-do list. 1pm Nipped to Aldi at lunchtime to pick up something for lunch and get some alcohol for later. £3.12 4pm Decide…
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How Much I Spend – Student Spending Diaries #1
The one thing I wanted to know before going to university, was how much I would need for spending each week. This number was hard to find online, so I wanted to create something that I would have gained value from. From this thought, this series was born; Student Spending Diaries. Each entry will go through a week’s worth of spending, starting with this week – where I threw a mini party, got an allergic reaction and watched hours of Grey’s Anatomy. Monday Monday was a pretty routine uni day, meaning I spent the majority of the day doing research reading for my dissertation. I finally left the flat at…
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How To Save Money and Still Have Fun
You don’t need to sacrifice everything to save money! But you do need to get real with your spending and reevaluate where your money is going each month. First things first you need to realise that having fun and amount of money spent are not related. You could spend hundreds on a day out and absolutely hate every minute of it. Or you could spend an afternoon on a hike (free!) and love every minute of it. In this post I will go through 5 tips to help you save money and still have fun at the same time. Embrace Free Activites Having fun doesn’t have to cost a fortune!…
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2020 Money Review: How I Saved 54% Of My Income
2020 was the first year that I tracked all of my spending – and I mean ALL of it to the penny! In this money review, I will be sharing all the figures and how I managed to save the majority of my income. At the end of 2019, I was fed up of not knowing where my money was going. I hated the feeling of having no money left at the end of the month. So, I made the pledge that in 2020 I would track everything I spend to see what I’m actually spending my money on and how I can save more. I’ve decided to share all…
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3 Simple Budgets to Try
Have no idea where to start and how to adopt a budget – read on and try one of these simple budgets. Budgeting may seem like a mindfield to some, but it doesn’t have to be. Most people see budgeting as restrictive and boring, I want to change this misconception. Budgeting is a great way to make sure you are spending money on things you actually value rather than getting to the end of the month having no idea where all your money went. Below are three simple budgets to adopt to make sure you are getting the most out of your money. Already got your budgeting down? Why not…
