Saving Money without Trying

Saving Coin Without Trying 💰

Mo’ money, mo’ money! 💸

Saving money has been at the forefront of my mind a lot in the last year. Switching jobs around, and quitting one with not much of back up plan (good for mental health, bad for bank balance) has meant I’ve spent the last 9 months or so being a bit more careful.

Main monthly savings

I’ve managed to build myself up a little nest egg using the ‘Days of the Month’ method, which I saw floating around Pinterest a while ago; this is where I put away £100 a month plus an additional £1 for each day in the month, e.g. February was £128, January was £131 etc. In addition to the money I had put away before adding that element to it, it’s pretty satisfying to see it tick along and is definitely something I would recommend. I do have this on direct debit but it’s essentially saving an extra £1 a day, which is certainly do-able for me when put like that. It also means that at that current rate, I’ll have over £1,500 by January 2018, though I also plan on adding to it more once I’m a little more settled in this new job, which I only started last month.

Saving Money Without Trying

Spending/Savings Spreadsheet

I must admit, I have become a little obsessed with my ‘Outgoings’ spreadsheet and find myself tinkering with it a few times a week to ensure it’s accurate. In terms of bigger payments and making sure I know how much is going out, it’s been really useful to see everything all in one place. Knowing exactly how much I have leftover, even when it comes to one-off emergency or luxury payments has been key to keeping on top of my savings goals.

My inner nerd really, really enjoyed putting in the formulas that allow it to know what’s carried over and what to add up and take away. It’s a pretty simple spreadsheet but I’ve made a template that you can download here and have a play with if you’re that way inclined. Make sure to check out the formulas beforehand so that it all runs smoothly. 😉

Saving in the background

I’ve seen a few personal finance apps floating around for a while now, in fact, around the same sort of time that I discovered Plum, I was browsing The Dainty Squid and saw Kaylah had posted about her saving experiences with Digit.

Plum is an automated savings chatbot that monitors your spending habits and adjusts your savings accordingly. Securely linked to your bank account, it learns as you spend and so far I couldn’t be happier with it. On top of all that, it’s also pretty cute in that it sends you Facebook messages when you reach certain milestones.

Since I started using it back in the middle of January, I’ve managed to squirrel away just over £30. Totally not a big deal but I kind of like that it’s taking extra money that I don’t have to think about. I guess I was a little sceptical at first but learning about their encryption policies and the fact I have access to that money any time I need to puts my mind at ease and makes me feel like it’s just a regular savings account – albeit a much more futuristic, talkative one.

I don’t think I’d be down for using every app like this going but Plum is a nice, gentle introduction and it’s really easy to get started right away. 💰

Inspiration and Motivation 🙇

As I said before, I don’t have a particular motivation for saving other than generally wanting to be a slightly more responsible grown up but, as with other lifestyle changes, the very beginning did feel like a bit of a slog. However, in this instance, I’ve felt that it’s nothing a quick browse of Refinery29’s Money Diaries can’t fix.

Comparing the spends of different ladies from a variety of industries in a range of pay brackets, it’s really interesting to see how people prioritise things and has allowed me to reflect on myself a bit. The most recent post from a Junior Doctor based in Stoke-on-Trent had me really thinking. So many of these girls seem to be spending almost £10 a day on lunch and lattes and then wonder why there’s little left in the pot, so I can’t say I wasn’t surprised at reading about someone who earns almost triple what I do who spends a fraction of the amount, and is saving for a house and who gives her fiancé money for his petrol. What a smart cookie. 🍪

Silly Buzzfeed listicles like their 15 Charts For Anyone Trying to Be a Better Adult also help.

Like, honestly, spend your money on whatever you like, but as this is something that’s been on my mind and I had a spark of inspiration to write about it, I figured now was as good a time as any to share what’s been going on. I know money can be a bit of a funny subject but if you’re in a similar situation where you’d like to build up more of a rainy day fund, I hope these ideas might allow you to consider ways in which you can change your spending habits to achieve whatever goal you have in mind.

[*]This post contains referral links relating to Plum’s ‘Refer a Friend’ scheme. All views are unrelated to this and my own.

Happy New Year 2016

Welcome to 2017

Happy New Year!

2017 was welcomed in much more elegantly than 2016 – which with the benefit of hindsight kind of summed up the cruddiness of 2016 – I vomited in my own hand and was up in my friend’s bathroom at the stroke of midnight, wonderful I know… 💁

“Understand that friends come and go, but with a precious few you should hold on. Work hard to bridge the gaps in geography and lifestyle, because the older you get, the more you need the people who knew you when you were young.”

I saw in this new year in the same friend’s home, only this time in their new house. It’s been a busy year, not without amazing things but I know Moon and I were certainly ready to start a-fresh. I’m so glad we all made the effort to come together to see in the New Year, I think it had been over 18 months since everyone had been in the same room – what with a couple of us living in Australia and the rest of us scattered far and wide across the South of the UK. I’m sure I get mushier and mushier as I get older but 2017 marks 10 years since most of us first met and that’s pretty special if you ask me.

New Year, New Me! (Not Really)

I gave up on the idea of resolutions a few years ago, but I’ve been feeling pretty goal-orientated for the last few months. I do find that winter is the worst season for keeping myself motivated so setting tasks that I know are pretty achievable helps quite a lot with making sure my mood doesn’t drop. I guess now is as good a time as any to share those New Year goals with you…

Eat more vegetarian meals

I set myself the challenge of going vegetarian for the whole of January. I would definitely say, with the exception of the Christmas period, my diet improved considerably in 2016. Moon and I have found ourselves having more vegetarian meals throughout the week anyway so figured it would be pretty easy to push that a little further. We both agreed that we probably wouldn’t have the stamina to do Veganuary, but on Day 5, it’s still pretty easy.

I guess I wanted to do it to do a little bit more to help the planet, I’m also pretty excited to see what kinds of meals we can prepare. The idea is that once January is over we will continue to eat more vegetarian meals during the week, hopefully more than half. The bonus of the whole change will be that it will ultimately make me a little healthier too. I do feel like a bit of a hypocrite for already saying I’ll go back to meat once the 31 days are over but I don’t want to deny myself meat forever because I do like it and feel like I should be allowed to have it if I want to. It will be interesting to see what happens.

Save, save, save

Another challenge I’ve set myself is to save £1 for the number of days in each month, plus at least £100. There’s not really any specific target in mind, it’s just something I started doing last year and then stopped when I quit my job. I’m 28 this year so it definitely feels like a proper nest egg, whether it’s for rainy days or fun things, is more necessary than ever.

Take more photos

Aside from my holidays – of which I recognise there were quite few in 2016 – Photography is something that was kind of neglected. I feel like the problem might be that I’m tied to my phone a lot of the time. In fact, my (now incomplete) Project 365 was based all on my phone so I didn’t really manage to remain as inspired as I had hoped so it’s definitely something I’d like to bring back to the forefront for this year.

Frame EVERYTHING!

This is a small and silly but time-consuming one. Despite it coming up to two years since we moved into our own home, we still have a whole box of prints and artwork that is yet to find a home. It’s been on our list for ages and it’s something we may as well get done – especially since painting will ~finally~ be over and done within the next few months – as I type Moon is spending the last day of his Christmas break painting our hallway, just the kitchen to go. I tell you, this homeowner thing is certainly a marathon not a sprint.

Have a revamp

Since migrating over to WordPress, I haven’t been completely happy with my theme in the same way it was easier to be with Blogger. I guess it comes down to neglecting this space of mine generally but I think a facelift by the end of the year is certainly achievable.


So, here’s the seeing a little more of each other… 🍸 🍾