My August Goals

Hi, loves! Happy (early) August! Can you believe how quick this year is going?! It’s almost Christmas! *rushes to make candy cane hot chocolates and turn Elf on, despite faint protests from Matt* As any regular readers will know, I really love setting goals and having something to work towards, and I also quite enjoy sharing my goals on the blog from time to time. It holds me accountable in a different way, as normally I’d write my goals in the Notes app on my phone and if I didn’t achieve something I wouldn’t be too disappointed, so this puts a little fire in my belly! I try to only set five goals at a time, as I feel like it can be really overwhelming if you set more, as in my experience they then become daunting and unachievable.

Clear out Matt and I’s wardrobes (and all of my beauty drawers)
We are HOARDERS, guys. And it’s kind of a problem. We don’t buy new clothes too often, but we did buy some new bits at the start of the Summer for our holiday to Croatia and we didn’t really clear anything out at the time we made new purchases. My dream closet would be one that looks just like Shay’s (hers is amazing!) but right now I’m super grateful for what I have and I want to make it work better for me. I’ve already started my clear out and to be fair I’m almost done, I’ve just got a few organisational bits left to do to make things look a little more pretty. I know there’s several pieces on my ‘to buy’ list for the upcoming Autumn months (I’m VERY excited for A/W fashion, it’s my favourite!) and Matt will be picking up some new pieces for the colder months too! I’m not looking forward to doing my beauty drawers, they are a MESS. If anyone has any great drawer organiser recommendations please let me know! It always feels very refreshing to have a good clear out, and I’m sure we’ll feel so much better when it’s all complete. I’ve already got tons of stuff to sell on Depop which I’ve never done before, so I need to make sure I take all of those photos and send parcels out quickly too!

Treat myself to self care time
I’m making August an unofficial Self Care Month for me, because I think I just need to be a little kinder to myself. Matt and I have had a busy few months and I’m excited to unwind, enjoy the last of Summer and prepare for all of the upcoming fun that we’re going to have in Autumn! I want to make the most of the warm weather, explore new places and rest instead of being 100 miles per hour all of the time. Matt and I have planned a few fun date days and we’re hoping to check off the rest of our Summer bucket list, I really hope we do! It’s going to be a month of unwinding, running, pampering myself, practicing yoga regularly, reading more often etc and I really can’t wait for it. Matt and I are also heading down South for a few nights to visit his family at the end of the month and we’re so excited! We’re hoping to spend our days there spending time with family, relaxing, eating good food and exploring, that’s the PERFECT way to unwind, right? We also get to go on a big old road trip to get there (and back) and you all know road trips are my jam. I can’t freaking wait!

Cut our grocery spending
This is always a goal, but this month I really want to see how much we can cut back. We always buy fresh fruit and vegetables so that will never be cut out, but I think we’re going to experiment a little more with vegetarian meals (which will be much cheaper because meat and Galaxy chocolate is the largest expense of our food shops!) I’m pretty concious about our meat consumption so we try to eat veggie when we can anyway, but this month it’s going to be more intentional. We also want to make lots of Summer recipes before we move back into the colder months, I’m thinking lots of pasta salads, fish dishes and all the tacos!

Be more present
I feel like this is something I’m always working on in one way or another, and I have to keep myself in check and remind myself to live in the moment a lot. I am so excitable about upcoming plans I kinda wish away the days which is something I don’t realise I’m even doing and then I look back and feel like I missed out on things by not being as present as I could be. I’m trying to be happy with what I have and we’re Matt and I are at right now, because I am SO fortunate and grateful for everything and everyone in my life. Also, we all know quality time with Matt is my favourite thing, and this month is packed full of it so I don’t want to miss a second!

Grow my blog
I know this sounds super vague but I just really want to make my blog the best it can possibly be. I talked about this a lot in this post, but my blog grows slowly and steadily rather than super quickly – which is fine, I’m so grateful it grows at all! – I’d just really like to continue putting so much effort in and see how it can grow further. I’ve really stepped up my game with creating new content and I actively like and comment more on blogs that I love, and I’m very grateful for others who always comment on my posts.

Thank you so much for reading! Do you set goals each week or month? Is there something you’re hoping to achieve this month? I love seeing what goals others are working towards, so if you’ve written any similar posts please leave your links below!

-G x

How I’m Changing The Way I Spend Money

Happy Sunday, loves!

Today I’m sharing with you a few of the little changes I’ve made to my spending habits, mostly since the beginning of 2019. We’re only halfway through the second month of the year, but I already feel so much better since implementing a few simple changes. I thought I’d share with you the changes I’ve made, in the hope it may help or inspire you if you’re looking to hold tighter on the reigns of your finances. Aren’t we all…

Matt and I are currently saving for our future home (we’re going to start looking by the end of the year and I’m SO excited at the prospect of this I can barely stand it)! As we’re buckling down on saving more and spending less, whilst still trying to have a life, we’ve been looking at all the things we can do to improve our ability to save.

Budget by category, and track your spending
In my opinion, it’s so important to know how much you get paid, and to categorise your spending in categories at the beginning of the month. I can’t believe some people don’t know their take home pay each month! If that is you, this is a no judgement zone. BUT, please make a budget! I’m begging you! I track my spending loosely on a spreadsheet I made a few years back (it’s colour coded and very pleasing to the eye LOL. I’m so Type A), but as a result I always know how much I have to set aside for bills and fixed monthly expenses. My fixed monthly expenses include things like my phone contract, house fund savings, my car payment and insurance, then my variable monthly expenses include things like holiday savings (to pay off our Summer holiday to Croatia and begin savings for a mini-break to Budapest, I’m so excited!), ‘fun money’, petrol and groceries. I split my money into twelve categories overall, but it’s all down to what works best for you. I personally think it’s really important to have a ‘fun money’ category; whatever amount works for you in your budget; for treating yourself to a few new beauty bits during the month or spending a little extra on date night.

Spending with cash only in shops/supermarkets
I literally never used cash. Ever. I tapped my contactless debit card or Apple pay like it was my job, and rarely carried a full sized purse as I just didn’t need it. My card holder is now strictly reserved for when I carry a small crossbody bag (usually just on the weekend), and day-to-day I now carry my purse with me. Using cash at first felt so strange, it was like being on holiday and trying to work out which coin was which. Yes, really. I felt so awkward the first few times I didn’t pay using just notes as I was scrabbling through my coins, mortified I was holding up the queue. How British of me. Spending with physical cash keeps me accountable in a whole different way, as I think when I use a debit card it often doesn’t feel like real money. I’m not sure if it’s mind over matter, but whenever Matt and I go out for date night and pay in cash rather than on our debit cards we always spend less. If you find yourself overspending on your budget, or just are generally confused where your money is going, I’d highly recommend trying to use just cash only, it puts things into a whole new perspective!

Meal planning
Matt and I started to do this during the last few months of 2018, and by now we nail it every week. Our evening routines vary due to Matt’s shift pattern, but we know what that will be at least a few weeks in advance. As a result, we plan which nights we’re going to cook with fresh ingredients, and which nights we might grab a Sainsbury’s flat bread pizza (the BEST – you need to try the chorizo one!) or an M&S ‘throw it in the oven and wait thirty minutes’ meal. This all depends on what time Matt finishes work, for example on the nights he comes home between 9pm and 9.30pm we quite honestly can’t be bothered to cook and we want something quick and easy so we can catch up on our days and fall into bed! I’d love to write a whole post, detailing our meals for a week – including recipes – if that’s something you’d like to see?

Limiting online shopping
I’m not completely opposed to online shopping, but I no longer feel the need to mindlessly scroll through websites and buy things just for the buzz of buying. Before re-training the way I think about money, I shopped online way more than I’d like to admit, and often once I’d opened the package, at least half of the novelty had already worn off. I prefer to shop in stores anyway; to feel, smell and look at things properly. I have a few online loves – such as Feel Unique – that I know I’ll purchase from for years to come, but I feel less of an obligation to purchase online. I’d also really recommend taking twenty minutes out of your day to unsubscribe from all of the mailing lists you’ve signed up to over the years, this will definitley ease any extra temptation! One thing I will never get tired of buying online is books; as much as I love browsing Waterstone’s, I can’t justify paying full price when I know (usually) Amazon will be way cheaper! My Amazon ‘Save For Later’ list is brimming with books to order over the coming months.

Opening separate savings accounts
This is one of the best things I’ve done to get into a better habit of saving money! I have a regular old ‘Emergency Fund’ then I also have a ‘House Fund’ and a ‘Holiday Fund’. Matt and I are so excited to buy our first home together and it’s something we talk about all the time, but it’s also something that we don’t need to put added pressure onto ourselves for. We are so blessed to spend every day/night together and we have two houses right now – so we feel very lucky and grateful for that. Having a holiday fund allows me to set aside money each money to pay off our upcoming holidays – I’m so excited! – then when that’s paid off, I can carry on adding money to it as we’re planning a city break to Budapest later in the year. My ‘Emergency Fund’ is a personal fund, which is to take money from as/when needed for genuine emergencies. Sadly, a Mulberry purse doesn’t count as an emergency. I have direct debits set up which automatically add money into these accounts throughout the month, then if I have anything left over at the end of the month I’ll add extra into a specific account (right now any extra pennies are reserved for our holiday fund).

Implement the thirty day rule on any splurge/impulse purchases
This is SUCH a great tip that I read/heard somewhere ages ago, and it works so well for me. I really struggled with this at the beginning of January, but I’m now set in a new habit and it’s begining to feel second nature. I use space in my planner, or sometimes in the Notes app on my phone, to write down any of the things I’m lusting over, whether it’s a new beauty product or a clothing item. In the past, if I saw something I’d quite like to buy, I’d open up my laptop and purchase without thinking about it. This is exactly what I was trying to avoid, so writing things down as a decoy to not buy them was a totally different concept to me. The whole point is to then wait (at least) thirty days before purchasing, as if after the thirty days you still want that item it’s not a silly purchase. I was making so many frivolous purchases in 2018, and I’m quite shocked that I haven’t bought one thing on my list that has passed the thirty day term. So, it really was something I lusted after in the moment, and I don’t regret not buying at all!

Thank you so much for reading! Did you find any of my points helpful, or did they reasonate with you as something you’d like to introduce into your life? What is your best tip for managing your money better?

-G x