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My London money diary #2

February 23, 2019

I actually started writing one of these in November and then managed to only do 3 days. Whoops! Here’s hoping this time is a bit better. I did a London money diary last year when I was working in Canary Wharf and probably spending too much money on food. I like to think I’m a bit better now, but that’s probably wishful thinking!

Wednesday

I’m working near Victoria on my current project so my commute is still a fun £8 a day. I’m doing better at eating at home, so I have porridge before I leave and make sure I pack my lunch – I bulk cooked a load of soup earlier in the week which has lasted.

I still have to pop to the shop at lunch, I wanted a diet coke and needed to buy some snacks for a mammoth 4 hour meeting after lunch. I spend £3 on chocolate hob nobs which was the best investment.

As I’m away for a lot of the weekend, Paul comes and meets me at Victoria and we go out for dinner. We just head to Zizzis as I do love their prawn pasta. Along with a couple of drinks it’s around £30 each.

Total: £41

Thursday

I work from home on Thursday as it’s been quite the busy week and I need to get some quiet work done. I have more porridge and more soup to get me through the day and resist the urge to go and buy snacks.

I’m off to Manchester that evening, I bought the ticket a couple of months ago. I have some toast before I head out as the bread needs eating but pick up a little £3 sandwich from Euston to keep me going on the train. Only a one way travel journey so it costs me £6 to get across town.

Total: £9

Friday

I work from my grandmas house today and literally only leave the house for a 10 minute walk to the shop as the Manchester weather is terrible! Luckily my grandma feeds me all day so for once I get a no spend day.

Total: £0

Saturday

Still in Manchester but I manage to convince myself to leave the house. I go for a run in the morning before going into Manchester town for an afternoon tea. It was a gift I bought for my Grans birthday last year so luckily doesn’t cost me anything now.

I borrow my grandmas car so it doesn’t cost to get in but is £9 to park for the day. When home later, I donate £15 to one of my instagram friends who is running the London marathon.

Total: £24

Sunday

My work plans change so I end up staying up North for another day so I can work in Manchester on Monday. That luckily means another cheap day for me! We pop to the shops and I manage to control myself and only buy a couple of new threads in Hobbycraft ( £6) and some birthday cards ( £4).

Total: £10

Monday

I work from Manchester on Monday, it costs me £3.50 to get into the City center from my grandma’s house. I’ve been craving sushi so go to Itsu for my lunch which comes in at £5. I always take a refillable water bottle with me but for the life of me I can’t find a water fountain all day so end up spending £2 on bottled water! My train back to London is expensed through work and I pick up a little pizza on the way home for £3.50.

Total: £14

Tuesday

Finally back in London town! However, still not in my normal office. I’m off on a trip to Brentford out in West London for the day. It costs me £6 in travel as I’m heading out in the opposite direction. I end up having a Pret lunch as I haven’t had time to prep anything which comes in at £5. On my way home I pop to the supermarket and get some food in for that dinner, and for me to take in for lunch for the next couple of days which comes in at £10.

Total: £21

Weekly total: £119

To be honest I think that’s probably below my normal weekly spending – I think being away up North definitely means I spend less money on food! On my last money diaries, my total came up to £206 which I think was probably actually below my average a year or so ago. I’d say my average now is probably around £160 a week which feels much more manageable than a year ago!

I think the main thing that this shows is that I end up spending so much money on travel which I never really account for. As I always just tap in and out with a contactless card, I never know the actual amount I’m spending so it’s been interesting to reflect back on it – it’s adding up to almost a third of my expenses this week! Now that I come to think about it, that’s a lot of money and if I don’t continue to manage my spending, I’m going to find myself in financial difficulty, and that’s the last thing I want to have on my mind.

Although I could always take a gamble and invest my money if I was really struggling… that’s why my friend has told me to do anyway. She has always been interested in investments, particularly those that concern shares, and she’s seen so much return on her money and thinks that I should do the same with the best investment apps uk that are out there. It sounds like a really good idea, and if I am successful, it means that I won’t have to spend so much of my time calculating what I have spent, etc. It gives me that freedom. So, I think this is definitely one to think about in the future. For now, my little reliable money diary seems to be doing a decent job.

What about you? How’s your weekly spending compare to mine?

Although I could always take a gamble and invest my money if I was really struggling… that’s why my friend has told me to do anyway. She has always been interested in investments, particularly those that concern shares, and she’s seen so much return on her money and thinks that I should do the same with the best investment apps uk that are out there. It sounds like a really good idea, and if I am successful, it means that I won’t have to spend so much of my time calculating what I have spent, etc. It gives me that freedom. So, I think this is definitely one to think about in the future. For now, my little reliable money diary seems to be doing a decent job.

What about you? How’s your weekly spending compare to mine?

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