Finance
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June 2022 Money Review
June has simultaneously felt like both the longest and the shortest month ever. I cannot get my head around the fact that we are already half way through 2022, how is that even possible!! However, it is one of my favourite months of the year as it’s my birthday, the days are longer and brighter and the sun occasionally makes an appearance. But without further ado, lets get into it! What is a money review? It is where I share reflections on my finances from the previous month, and detail every penny in and out. I find doing this at least monthly is a good way to stay connected to your…
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How I Plan To Only Spend £5k On My Gap Year
Yes, you did read that correctly! I am planning to spend only five thousand pounds on my gap year. Which will be a yearlong round the world trip. That works out to just over £13 per day! Want to know how? Keep reading. In this post, I am going to share five things that will help me stick to budget and still enjoy every single moment! Disclaimer – This post includes some affiliate links which means that I may receive a commission if you use them. This comes at no extra cost to you <3 Firstly, I must acknowledge that I only feel comfortable setting such a tight budget because…
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May 2022 Money Review – I spent how much?!?
Well what do we have here? A May money review! It’s about time 😂. It’s only taken me about three weeks to finally sit down and write this up but you know what they say better late than never right! What is a money review? It is where I share reflections on my finances from the previous month, and detail every penny in and out. I find doing this at least monthly is a good way to stay connected to your finances. Plus I love reading them back in a couple of months! Why do I share this? I know it might seem weird to share this on the internet…
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Wowcher Mystery Holiday – How Much It Actually Cost!
Back in January 2020, yes a lifetime ago, my mum and I embarked on a Wowcher Mystery Holiday. I paid for the holiday the previous August as a birthday gift for my mum. We finally got the call in September telling us where we were going and the dates. Incredibly by chance, we got assigned Venice, a place which had been at the top of my mum’s bucket list for decades and we were travelling the weekend before her birthday 😱. It couldn’t have worked out better!! I wrote a full review back in 2020, weighing up whether it is actually worth it for the £99 price point. To follow…
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Sinking Funds – How To Calculate Them
I live by sinking funds and use them for absolutely everything possible – I’m talking holidays, Christmas, birthdays, graduation, pre-planned events – you get it! They are honestly one of the most valuable budgeting tool out there. However, when you are starting out, understanding how to calculate your sinking fund goals can be hard. Enter this blog post!! What the hell is a Sinking Fund? A sinking fund is a budgeting tool that allows you to cash flow an expense, by putting money aside in advance. You essentially add money into a “pot” each month running up to when you need the money so when the time comes you have…
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5 Ways to Spring Clean Your Finances
There is never a bad time to dedicate a few hours to spring clean your finances. Arguably you should be doing these things multiple times each year. But if you don’t have the time then at least do these once a year. So if you are reading the list and thinking “I’ve never done that!”, this is your call to action!! Here are five ways to spring clean your finances. #1 Review your system Does your current system work for you? No? Why not change it and try a new system. Are you currently using pen and paper but loose it often? Maybe a spreadsheet would work better for you.…
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What To Do When You Go Over Budget
Budgeting is basically the fancy term for making a plan for your money. There are many different methods out there but remember budgeting is not a one-size fits all – what works for me will not work for you. Everyone is in a different situation, we all have different goals, different priorities and live in different areas. For example, someone living in London will have to spend more on the essentials than me, a student living in the North West. Therefore, take inspiring from how other people budget and then adapt it to your situation and make it your own. The first time you budget your money you will probably…
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9 Cupboard Staples Everyone Should Always Have In
One of the ways that I helps me keep my food shop budget so low (£10 a week) is by making sure I always have these 9 staples in my cupboard. They are all very versatile and are often the key ingredient to my favourite cheap meals. These items tend to last a long time so having to replace them is rare. Plus it is even rarer that multiple of them will run out at the same time so if I have to replace them it won’t break my £10 budget. #1 Oil Kinda obvious but often overlooked as it seems like a given, but have you seen the price…
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How I Made £16,446 from Side Hustles
There is only so much you can reduce and cut from your budget! Eventually you will reach a certain point where to save more you need to make more. Entering the side hustle!! What is a side hustle? There are many different definitions out there but I class a “side hustle” as anything I do to make money beyond my primary source of income. Currently, my primary source of income is my student maintenance loan, paid to me by the UK government to cover all living costs. I started on my side hustle journey exactly 2 years ago, which was just after I had been made redundant from my job…
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April Money Round Up
New month means it’s time to reflect on last month’s spending and earnings! Like all of my monthly money round ups – I will go through every penny out and in of my accounts this month. As well as my net worth progress – spoiler this was a BIG month for my net worth 🤩 Why do I share this? I know it might seem weird to share this on the internet but I truly believe in creating the type of content that I love and I am currently obsessed with seeing what people spend and earn. I also believe that the best way to break the money taboo is…
