How I’ll save an extra £5,000 in 6 months || 5 steps to saving more, quickly.

If you wondered where I was for 2 months then you might have discovered that I met bae – who I’m really into. The defining thing about our relationship is that our top love languages are “touch” yet we live on different continents. This means that we struggle with the distance possibly more than other people and come up with wonderful little ways to cope. Ultimately though, we both figured that it would be too expensive to see each other at the frequency that we’d like for a very long period of time. So, a big change is afoot by the end of the year.

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These coins were once my lifeline.

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June spending review

I’ve spent a lot of today trying to get my budget and spending tracking spreadsheet in a better shape for the second half of the year. It’s no secret that I’ve been dating someone who lives on a different continent the last few months and this new romance plus the challenge of maintaining communication when we’re not together has taken precedence over everything else in my life. I decided last month (and shared the news with some of my colleagues) that I’ll be moving away from London at the end of the year. This has prompted a desire to get my finances in top shape for the move – more on that in my next post – which means I can share my June spending with any voyeurs out there.

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Money diary #9

After many weeks of not prioritising my finances, I have finally got my act together with tracking my spending. In order to get a sense of what the (new) landscape looks like, I’m going to carry on with money diaries at least through to July when the person of interest (now to be referred to as bae) goes back. What does a week of treat yo’self look like? Feast your eyes:

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I discovered my favourite flowers last week – black Petunias! Aren’t they pretty?

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Where have I been?

The last time I blogged was at the end of February. This is also the last time that I tracked my spending judiciously. I’d like to say that it was all down to my occasional extreme bouts of laziness but it’s been a little bit more than that. I have a strong suspicion that I’ve found “my person”. I met a cute girl when I was in San Fransisco at the start of March and even though nothing has happened, I’ve been caught up in a whirl of feelings that has manifested as insanely long phone calls and a complete disregard of most other things in my life.

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A delightful afternoon at the beach in San Fransisco

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Money diary #8

I thought this might be my last money diary for a while – because I thought I’d got my act together. This is rather far from the truth. The second half of last week saw quite the spectacular increase discretionary spend for the problem areas – dating and socialising. I didn’t feel guilty for all of it though because I had a spectacular weekend. Here’s how things panned out:

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Ally Pally was a spectacular venue for ice hockey

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Money diary #7

Argh! Another poor week. I should stop moaning after the fact. I consciously, willingly and decisively made some poor money choices last week that mean that I exceeded my budget in several categories as well as overall. It wasn’t all doom and gloom though so let’s look at how I spent my money last week.

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I went to a Mexican restaurant that had a wide selection of hot sauces

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My luxuriously thrifty 2018 budget

One of the reasons I was very pleased with how my January spending review turned out was because I experimented with living January the way I wanted 2018 to go. I didn’t do an uber frugal month. I socialised (frugally), did tons of sport and ate really well. I came in at £1696.24 – excluding support, debt and £135.23 of travel that was enabled by the side-hustle income that I made of £150. In a recent post, I reviewed a couple of other options that I could pursue other than early retirement because 6 weeks into the year and I’m not sure that I can keep my discretionary spending at the level that it needs to be to retire within the timeline that I desire. As a result, here’s the budget that I’m working with this year.

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Reforming spendthrift 2018 budget

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