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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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

September spending update | A woeful example of a lack of control

The last week of September was weird because I busted my knee and ankle and had to spend the better part of a week resting, icing and elevating my left leg at home. I didn’t see many people or do many things and I got lulled into a false sense of [spending] security. Today, I went through the books and here are the findings on my spending last month:

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The cost of thrifty | An update on the 21 day thrifty workout

So a few days ago I decided to do my best to reverse the crush of my overspending. I set out to side-hustle, drink only water/black tea, eat home-made or free food 85% of the time, walk or cycle everywhere and try to rack up the no-spend days with an overall goal of raising my savings rate till it hurts. Here’s a review of how the first 7 days went.

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Random internet picture – this is what my notebook looks like though

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My 21-day thrifty workout

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.

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A somewhat frugal visit to Berlin

I was lucky enough to take a city break in Berlin a couple of weeks ago. My mate’s a nanny and gets time off when her “family” is away. She happened to be going to Frankfurt so we tacked on our first visit to Berlin – a city that has been in the top 5 of my travel list for a few years now. Here’s a breakdown of what we did and how much the trip cost me.

The domed Berlin cathedral church

The Berlin cathedral church which we learnt about on the Original ‘free’ walking tour

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