My Monzo Savings Pots

I'm really trying to build up my savings this year. The Low Buy year will hopefully help with that, once I finally get my shit together! I still can't believe how much extra I spent in January. I've been using Monzo savings pots for a while now but after getting multiple TikToks on my FYP about them, I've decided to make some changes.

Low Buy November/December | Week 1

I got paid on November 25th so I had to start work on my budgeting and no/low buying pretty early on! First thing I did was go through all of my direct debits/subscriptions and minus all of those plus childcare from my pay. All of that came to £360.63. Yikes. That's not even including paying for gas and electric because I do that as pay as you go. I also included the £75.50 I owed my sister for our family Christmas get together. New total -£436.13 from my pay.

The £5 a Day Side Hustle Challenge | from The Fun Money Club

I'm a huge fan of Neesha, from The Fun Money Club, who has been doing a £5 a day side hustle challenge since January and has saved herself a huge £800 in that time! I'm always after more ways to get money without working myself to the bone, so I thought I'd follow her tips and give it a try this April.

Weekly Budget Recap | 28th September-2nd October

Another week, another spending recap! It was pay day last Wednesday, so let's see how much I spent by Sunday.

October Budget

Another month, another budget! Last month, I decided to put £1,000 from my wages into my savings and try to live on what I had leftover in my account. I accidentally stopped keeping track of my savings the last couple of weeks but I have to say, I didn't touch the £1,000 at all! I'm so proud of myself and I definitely want to try it again this month if I can. Let's see what my pay was like this month!

Stocks & Shares | A Complete Beginners Guide

If you’re looking for a new way to make money - whether that’s to cover the rising costs of living or you’re considering an entire new career path, you may want to get involved with stocks and shares. This can be a daunting topic to branch into, with many of us finding ourselves thinking up images of Wall Street and stressed business people, it’s actually surprisingly accessible. My partner Josh even has some shares in Rolls Royce! Here are a few steps that can help you to get into the market.

Weekly Budget Recap | 5th-11th September

This is it now, time to get serious! Spending over £300 in three days shook me to my core and really made me want to get my act together more than ever before. I decided to move £1,000 into my savings account (not including it in my savings goal) and then I challenged myself to "live" on the £723.55 I had left in my current account for the rest of the month, obviously aiming to have the majority of it left. 

Weekly Budget Recap | 2nd-4th September

This one is a little bit different as I've only done three days this time! I was going to do Friday-Friday but I think Monday-Sunday works much better. So this is just a short but shocking recap this time.

Weekly Budget Recap | 26th August - 1st September

I started doing a weekly budget round up (for the most part) in July, and it really opened my eyes to how much I spend in a week! It really disgusted me to be honest, so hopefully I can control my spending better this month!

September Budget

So, I completely forgot to actually keep track of my spending last month - oops! All I know is that I paid my bills, paid for Charlie's school stuff for September and treated myself to new bras I needed desperately needed from Shein. My cash budgeting didn't go so great as I automatically used my card a few times. But the good news is I have some cash left over!