Bae likes flowers so I signed up for one of those monthly delivery services. They surprise her every month with fresh flowers. You don’t know what’s coming until they arrive since they only send out flowers of the month. You don’t get to choose. We’ve had 2 deliveries so far and I loved seeing how happy she was to receive them.
It’s that time of month – time to review how well I did against my budget in January. Spoiler alert, I wasn’t great. I spent more money than I made and I pretty much spent too much in almost every category. Here are the gory details for you to revel in.
Happy New Year! I hope your holidays and the new year have been as splendid as mine were.
Today’s post is not a good one. I had a relapse on the spendthrift front. I’ve spent far too much money in the last few months, especially around the holidays. Here are my confessions to the universe.
I know, I know. We’re nearly a third of the way through July and I’ve only just got round to figuring out how much I spent in June. This should have been a half-year review too but I’m doing this at an airport because I was too cheap to pay for a night at an Airbnb following a post-midnight arrival. I don’t know how terrible this decision will prove to be but although sleeping on airport benches is proving not to be my thing, it turns out that early morning calculation isn’t either!
Moving used to be a super stressful event for me financially. Scraping together a month’s rent in advance as well as a 6 week deposit has always been challenging. This time round, I’ve not only got my rent and 6 week deposit ready, I have also got enough cash lying around to cover (one of) my housemate’s deposit which will then be returned to me via the tenancy deposit scheme where we’ve got the deposit for our current place. That’s a total of nearly £3 000 and I haven’t touched any of my proper savings accounts.
This spell of my life isn’t the first time that I’ve tried to cut back on my spending. I’ve been in tons of debt since 2010 and made various attempts at sorting out my lavish spending from 2011 till 2016. Since I didn’t know that my day-to-day spending was my biggest issue, I tried to do the sensible thing and made an effort at reducing my fixed spending – rent and transport.
- In 2012, I moved out of my £1200* room in a 2-bed Canary Wharf house that I lived in mostly alone, to share a 4-bed house with some mates near Turnpike lane. This saved me £500 a month in rent and bills.
- In 2013, I let my girlfriend move in with me. She paid me £250 a month for her share of the rent and bills. She was also a keen cyclist so I started cycling about 80% of the time, saving a total of around £300 a month on rent, bills and transport for a few months.
- In 2015, I made some radical (at the time) changes. I moved out of London into the cheapest place I could find for £400 a month including bills. It was also 3 miles / a 15 minute bus ride / an hour’s walk to work. I was certain this would be the move that allowed me to kill debt fast. IT ALL WENT SO WRONG!
I watched Collateral Beauty earlier and Will Smith (how is that man still gorgeous at 50?) plays a character who loses his young daughter. His major postulation is that there are only three abstractions to life. Three things that unite all of mankind. The desire to love. The fear of death. The wish for more time. Continue reading