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.
Loch Katrine a few minutes away from the cottage
Here’s the breakdown of the spending: Continue reading
I finally have a breather from what turned out to be quite a busy and rather intense end to October. I got tackled and suffered sprained knee ligaments and some bone related ankle injury that has prevented me from cycling or doing sport since the 23rd of September. That’s context for the rest of this review.
I want to do better. It seems a bit pointless to write post after post in this vein but I really want to do better and there is currently a disconnect. When I first started this financial journey, I was in a dire state. I had no savings. I had over £30,000 of debt and was unsure about how much I owed. I didn’t have a place to stay because I was subletting my room to pay the bills. I had a frayed relationship with my family because they were tired of my irresponsible behaviour and frivolous spending. My 2 closest friends were barely speaking to me. I’d lost my girlfriend. My life was fraught with the direct consequences of poor financial decisions. It was kind of easy to make changes because I needed to change to survive. One year on, things are better, more stable and there isn’t a burning need to change further.
Celebrating life in Madrid last year
My financial knowledge was eerily shoddy in the past
I just found some tracking that I attempted to do in 2015 when I first realised that I was on a sinking ship and the cupfuls of water I was bailing out would no longer suffice. Here’s how bleak my life used to be 2 and a half years ago
Started from the (scary) bottom…
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:
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.
Random internet picture – this is what my notebook looks like though
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.