I’ve loved reading all the 2017 round ups that have been doing the rounds (yes pun!) this week. Last year I had a big hairy (financial) goal of saving more. I also had associated goals related with eating better, getting fitter and de-cluttering. Here’s a summary of my progress, or lack thereof last year:
I need to pay rent in a few days and I haven’t got the money in my current account. I have done some side-hustling recently and am owed enough money to cover the difference. I also loaned someone £350. However, that’s not the only spending I’ve done. I’ve really done some serious damage via my food and socialising categories.
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 named this blog “Diary of a reformed spendthrift” after I had the epiphany that I had been living a life of financial irresponsibility. It’s past tense and alludes to the fact that I’m a finished product, that knowledge of my previous state of mind would automatically propel me to the destination that I seek – one of luxurious thrift. My previous posts on failing my ‘£1 a day on food’ challenge and my extremely spendy February share my frustration at my seeming inability to spend in line with my aspirational budget. Continue reading
It’s two thirds of the way through March and I’ve failed [yet again] another challenge of mine. I went 18 days before I capitulated and spent £15.75 on a Sunday roast after a hard game of football. This roast dinner came right after a work trip to Milan where I was able to indulge (courtesy of my company) on some rather splendid meals with my colleagues. I had no will when hunger struck to wait till I could go home and cook something. These aren’t excuses, just facts.
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.
People, including myself, often wonder how I’ve survived 6 years of crippling debt. How did I let it get so bad? How could I sleep at night? How do I remain cheerful and upbeat even when I have £20 in my wallet to last me a week? How do I stay generous – even going as far as taking on debt to help someone out? How did I keep it all to myself? How didn’t I crack under the pressure? I like to attribute the answers to all these questions to one thing, it’s just the way I am. Let me break it down though. Continue reading