Today I decided to sort out my finances and see how much I’ve been spending/earning etc and did a whole load of averages and sums and I’m proud of myself! lol. I know I’m only 19 so don’t have to worry about loads of things, but I do pay rent, now have a contract phone, have driving lessons each week, have to spend loads on bus tickets (despite my friend driving me to uni, I give her some money too), save up for a car and insurance and have been spending loads of money since I’ve been going out with my boyfriend on little things, like going for food together. I also need to stop going shopping… that would help! And not buy food when I have food already, or drinks.
I started from when I got my job to now, and so I’ve had three pay checks and my student loan/grant so should have way more money than I do right now. I used to be good with budgeting, but then it was Christmas and I spent money on presents, then my first pay check I always want to completely spend, then things just kept spiralling outta ma control! If I wasn’t planning on buying a car and stuff, then I’d be fine. I have the money for it, but no money left for petrol and having a life afterwards which would kinda suck.
But I’m trying to sort out my life, all my mini projects and whatnot, and my finances and yeah. I’m feeling more positive about it all. I’ve made a new budget and have decided to automatically put half my wages into a separate savings account, and the car money that’s in my main account elsewhere (maybe the same savings account?) and so all the money that’s left in my main account I can spend, but remembering my budget of course! I’ll see how this goes for awhile to see if it’ll work for me and hopefully it will.
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