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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Anatomy of a spendthrift – an unfettered amount of thrill-seeking

Yesterday, I opened and read an article by Mindfully Spent about the power of habit. She talks about how, as a naturally erratic person, it’s taken her a while to build good habits and the impact those habits have had on her financial status. ‘A while’ was about 6 weeks. She successfully stopped paying for parking, cut back on buying coffee and started planning and prepping meals in advance. It apparently took her around 6 weeks to achieve these goals. She said, and I quote:

How did I know that I’d made a real change? My whole mindset about paid parking shifted. Now, the cost savings and the extra exercise I get when I use free parking feels like a reward. There have been one or two days when I thought I might have to pay, and I dreaded the idea. Once a mindless convenience, the expense of parking now feels like a horrible waste.

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Watching P!nk a few weeks ago was super thrilling!

 

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Cheap, tasty, healthy food

A couple of days ago I reviewed August’s spending and surmised that I need to do better with dining out. Then I promptly went out and spent £72.05 on dim sum, tons of Prosecco, an excellent cappuccino & Baileys as well as a below average burger. I really need to cut back on dining out and eat more meals at home. So I went to the grocery store to get ingredients that I love individually and hopefully create some tasty yet healthy meals that would prevent me from dining out and hopefully help me lose some weight.

Selection of vegetables and meat

~ £21 worth of meat and veg to get me through the next week

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August Spending Update | An exhibition of the benefits of frugality

I was torn between reviewing August and reviewing how frugal my recent Berlin trip was. The August review won because I really need to get a handle on my spending for the rest of the year. This month was super important for two reasons. Firstly, it’s been a year since I started tracking my spending and trying to control my money. Secondly, I was able to make a decision (since I now have savings) to go home to see my ill dad albeit for only 3 days. How did August go?

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