I set a few goals at the start of the year and felt like I’ve not been on track for most of them. I’m a lot chubbier than is healthy or optimum, since I like to take part in a lot of sport where heft is cumbersome. I’m not eating as well as I’d like. I neither bring my own lunches in everyday nor make choices that include a high percentage of fruits, vegetables and proteins like I think I should. I’m not reading very much. I’m not spending enough time on the things that I think that I should – creating a professional brand and presence on the interwebs, learning new skills or improving the ones I want to and networking are my top goals in this aspect of my life. Continue reading
I’m over halfway through the month and so far March is looking a lot better than February was. It’s super challenging trying to spend £1 a day given the haphazard nature of my days, splitting my life between my place and my girlfriend’s on different sides of the river, tons of socialising and a massive appetite. It’s also challenging trying to do loads of exercise and sport and get out of bed early when I feel so exhausted a lot of the time.
I went for a quick drink with a mate of mine that I haven’t hung out with for ages. She wanted to know about love, and work and life in general. Somehow we got onto the topic of aiming for early retirement. Her response was a sigh and “you bloody millennials and believing that you can retire early! The only way you can retire, is to keep working till you’re 65.” She’s worked in finance her entire career and has no faith in bonds, stocks or property as a vehicle for long term passive income. She might be right but the only way we can find out is if I keep aiming for FIRE so I’m not giving up yet.
You can view my 2017 goals, or read my January review too. Continue reading
Yay, the longest month of the year has ended. We get paid before Christmas day in December. That, coupled with January’s 5 weeks, always meant that it was a broke week to ten days at the back-end of the month traditionally.Last year, I had already borrowed money from at least one source by this point. In light of all the depressing news in the world right now, I’ll cling onto this positive. I could have gone on a couple more weeks into February without being paid. Continue reading
I should probably stop saying that I’m taking part in the uber frugal month challenge. Nothing about the last 10 days (since my last update) is particularly frugal. It’s been weeks one and two at my new job so there have been many lunches with colleagues. I’ve also struggled to manage my energy in the afternoons and succumbed to the temptations of a coffee and lemon drizzle pick-me-up at my nearest Benugo.
So last time out, I explained how I got into (and stayed in) debt. I’m getting my act together. I tracked my spending. I’ve written out my goals. I crated a budget. And, this month I signed up for The Frugalwoods’ uber frugal month (#ufm2017) with an aim to reset my hedonistic spending and establish an ideal (baseline) for my desired level of frugality. Continue reading
So I tracked my spending pretty diligently from mid-August until the end of December (my end of December was the 25th because my months currently start on payday while I try to get a month ahead on my bills). I haven’t shared my findings in a single post yet, mainly because for the first 6 weeks I was tweaking my tracking. The last three months, I’ve been more consistent. Here’s what the last quarter of 2016 looked like.
Although I started tracking my spending nearly 3 months ago, I’ve only just got data through that was entered in a consistent enough format, as well as provides a more holistic view of my income and expenditure, for me to base future goals and budgets on.
Pay day was last Monday. A few months ago, the preceding weekend would have been super painful. I’d have been on edge about unplanned expenditure – and all expenditure was unplanned by this point because I’d be running on fumes, would have borrowed money from someone or have pawned something of mine just to get through those few days before pay day. The weekend before last, I was still worried about unplanned spending (e.g. tape for my dodgy ankle) but it was because I was trying to save even more money for the expensive month ahead. Continue reading
In a week dominated by hosting far too many joyful expenses and unexpectedly expensive stuff to deal with injury and illness, I still managed to stay on budget. Continue reading