Money diary #2

I really tried this week to chalk up a few “no spend” days (other than my PAYG travel) but I kind of had the worst luck in terms of my health and injuries so Monday turned out to be the only day I didn’t spend. I had to cancel a trip to Oslo in favour of dedicating the time to my side-hustle (nailed it!) and spent some intentional time with friends. In spite of the rubbish run of luck, it was a rather decent week. Here’s what happened:

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2018: The year of craftsmanship

Anyone who spends more than an hour in my company gets a sense of how varied my interests and activities are. I often run out of time to do things that I’ve planned in advance, I’ve often double-booked myself and it’s often happened that I have to go to 3/4 different places in different parts of London in one day. I play badminton and football with regularity. I’ve also got various side-hustles. It often feels like I’m doing too much and spread rather thin. It also sometimes feels like I’m only delivering at a level that is a little shy of my full potential.

Craftsmanship

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Money diary #1

I didn’t track my November and December spending daily like I’ve got accustomed to over the last year or so and I can see the difference in spending for those weeks relative to the rest of the year is rather high. For one thing, I went for at least 2-3 weeks at a time eating every single meal out. I shopped indiscriminately and didn’t really set a budgeted amount for Christmas shopping. My spending was not very intentional. To help me get back into the habit of recording daily and provide more accountability, I’m going to try to keep a discretionary spending money diary post going for at least a couple of months.

Image of the lake at Hampstead heath

I took a walk round Hampstead heath . It was awesome and free!

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November spending review | A concession that I need to budget better

This is a rather shamefaced blog post. It’s over halfway through December and I’ve only just got round to doing my spending review for last month. I’ve also been very bad at documenting my daily spending, keeping track of my discretionary spending envelopes and have generally been behaving rather badly the last few weeks. I’d like to blame it on the festive season but I know it isn’t really that. I think that I’ve got a little bit too caught up in today, instant gratification and the a little less bothered by the things that should matter i.e. paying off debt and saving toward the lifestyle that I [think I] want to live. Here’s the dirty on November.

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A luxuriously thrifty Scotland getaway

My friends, who had previously lived a couple a minutes away from my place, moved to Scotland in July and promptly booked a holiday for us all to reconnect with them and check out their new digs. I spent a night with them in Glasgow then we took a wee road trip to the Trossachs¬†where we’d rented out a cottage for a few days of rest, relaxation, hiking and tons of board games. This absolutely fabulous holiday was not only an amazing way to reconnect with amazing humans, but it cost me less than ¬£200 for a 4 night stay.

A view of Loch Katrine

Loch Katrine a few minutes away from the cottage

Here’s the breakdown of the spending: Continue reading