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I Saved 63% Of My Income – 2022 Financial Review
2022 has been a wildride. I graduated, read 115 books, wrote a 10 thousand word dissertation, went to 2 weddings, ate countless bags of crisps, spent 48 hours on a train, saw my first west end show, slept in an airport, started housesitting for strangers off the internet, spent 7 weeks in the US, experienced an ice storm and so so much more… hands down the best year of my life to date!! But it’s all over and you know what that means! It’s time to review every penny I earned and spent over the year. Why are you sharing this? You’re probably thinking it’s weird to share all of…
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How I Saved Every Penny Of My Income
During my three years at university, I worked multiple jobs on top of my studies, and I saved every single penny I earned. Sounds crazy right?!? But it became second nature to me, and I would do it automatically without even thinking. You might have already called bullshit because like duh obviously you have to spend some money to live so this must be false. So let me start with a little disclaimer… Fortunately, I was eligible for almost the maximum student maintenance loan (around £9k) each year. This was more than enough to comfortably live on; hence this stream of income became the only one I would budget with.…
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September 2022 Money Review
One month down, only eleven left of my gap year! Crazy how fast time flies when you are professionally unemployed 😂 But the end of the month means only one thing on this blog – time for a September money review! September did not really go to plan but I made the most of the situation. I ended up staying an extra two weeks with my parents because a housesit got cancelled. This was one I had organised with a friend so I wasn’t covered by any guarantee like I am when I housesit through Trusted Housesitters. But this meant for a very cheap month. This will be the last…
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How To Save With A Variable Income
Mainstream budgeting techniques and savings suggestions often ignore the fact that a lot of people have a variable income. They don’t get paid the same amount every single payday and often the paydays don’t follow a regular pattern. Therefore, it can be very hard to get into a saving rhythm. For example, a lot of finance experts suggest automation as the best technique for saving more. But this can be very tricky to implement when the amount you get paid changes each and every time. Plus it may not even be on the same date, so knowing when to set up the automatic payment for is hard. I have had…
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August 2022 Money Review
August has been a busy month for me! I left both of my jobs, moved out of my uni accommodation and moved back in with my parents – temporarily! Just until I leave for my year-long trip housesitting around the world. Let’s get into my August money review! More on that in another post, for now let’s get into August’s numbers. 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…
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Personal Finance Journey – How I Saved £34k in 3 Years
Whilst I have always been a natural saver, I didn’t really get into personal finance until I started university three years ago. I was supposed to study abroad for my second year and found out I needed to prove I had access to £18k to get a visa. At this point I had zero pounds left in my savings, a part-time job and just eight short months to sort it out. Enter the personal finance community! I became frugal, got intentional about my spending and began side hustling. 6 months later I had over £8k in the bank and that combined with my upcoming maintenance loan, I had enough to…
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The 6 Bank Accounts Everyone Needs
Managing your money doesn’t have to be complex – you can make it very very simple! The easiest way to do this is by splitting it up in different bank accounts. Having multiple accounts which all have a unique purpose makes managing your money so much easier and streamline. Being able to log in to each account and automatically see exactly what you have without having to do any complex mental maths is so helpful! I do want to caveat that personal finance should be just that, personal! Having multiple different accounts is the system that works for me and I believe will work for other people, but it won’t…
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July 2022 Money Review
Here we are again! Another month gone, another money roundup. Time for a July money review. Scary how fast this year is going by – soon it will be Christmas again! 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, but I truly believe in creating the type of content…
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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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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…
