Chat

Chat

Money for Life work in partnership with the Money Advice Service, an independent organisation set up by government. Money AdviceService provides free, unbiased money guidance across the UK to help people make the most of their money.  If you have a question or need help, you can chat to them here.

Launch Chat

Chat to the Money Advice Service
Monday to Friday, 8am to 6pm
Saturday, 9am to 1pm.

 

Spending Diaries: Communications and Marketing Manager

Every other month, Money for Life is teaming up with a young person and publishing their Spending Diary written over a week, tracking their spendings and sharing their money and budgeting tips and tricks.

 

About Me

Job: Communications and Marketing Manager

Age: 25

Location: Wigan

Salary: £23,000

Events: £1000. As well as my day job, I run an annual Northern Soul event and make about a grand after.

Monthly paycheck amount: £1500 (after tax) 

Living conditions: With partner’s family

 

Monthly Expenses

Housing costs: £100 rent

Food Shopping: £50

Car Insurance: £50

Car Tax: £17.50

Parking: £30

Petrol: £50

Phone bill: £100 2 x mobile phone contracts for me and my partner

Savings: £200

Other: Netflix £11.99, Apple £6.99,

Misc. on clothes/makeup/beauty products etc. £100

 

Total: £716.48

 

Monday:

8am – Wake up, tidy and get ready for work – Netflix on in the background. On Mondays, I take forever to get out of bed because I sleep in at the weekends.

10am – I leave the house, drive to work. The drive takes about ten minutes, but I usually arrive by half 10 as it can take a while to find a parking space.

12:45pm – Skipped breakfast and I’m starting to get hungry so I nibble on a couple of pretzels from a bag of sour and chive that I buy weekly from Poundland! £1

2pm – I was lazy this morning and didn’t prep any lunch so Subway salad it is! £4.00

7pm – I’d stayed at work a little late to catch up on extra work, but it’s home time now.

7.25pm – My partner usually cooks tea, vegetable thai curry yum!

9pm – Finally in bed watching Netflix

Total spending: £5

 

Tuesday:

7am – Funnily enough, sometimes Tuesdays are even harder to get up as the weekend’s activities catches up! However, I am up early as I have to take my car for an MOT and get a lift with my partner to work. Saves money on the bus!

8am – Grabbed a bought a cheeky latte with extra shot of coffee £4.00 – YIKES!

12pm – I didn’t nip out for lunch as I was too busy so I just nibbled on food that was in the office! (Sports Manager Dave always has a draw full of sweets).

1:30pm  – Receive a phone call from the garage, it’s looking to cost £500 to fix my car but needed to take it to a different garage!

5pm – I leave work early to pick up my car and take it to the new garage. I’ve got to pay £45 for the MOT, on top of the rest of the work.

6:30pm – I head home, have a cuppa and decide to count the money saved in my piggy bank. I’m so pleased to see £250. I can’t recommend keeping a piggy bank enough. I add money from my ticket sales, loose change and any money I’m lucky enough to receive as a gift. Eventually, it all adds up and can save you on a rainy day (or week).

8pm – I decide to start doing some event promotion to see if I could sell any event tickets. Having a creative side hustle is great fun.

9pm – The shock of the car calls for an early night.

Total spending: £49 (with £500 in the waiting) 

 

Wednesday:

8.35am – Early to work! I’ve got the office to myself time to do some serious work. Decided not to opt for a coffee on the way to work since the tragic loss of £500 for my car.

1.30pm – lunchtime, I’m hungry and I’m feeling a little low so I go to pound bakery for two vegetarian sausage rolls. £1

7pm – My twin sister picks me up, and we head to yoga. It’s a weekly activity to make sure we spend time together. £7

10pm – I get home, have some toast for dinner and straight to bed.

Total spending: £8

 

Thursday:

6am – As you’ve guessed I’m not much of a morning person, but  I stomach the energy to go Hell vs Heaven for a gym session. Let me tell you, it was definitely hell! £5

7am – Shower and get ready for work, the boyfriend makes me a smoothie with protein, fruit and oats. I have a bad habit of skipping breakfast but smoothies are a great way of upping my fruit intake and keeping me full until lunch.

1pm – Horrendous phone call, to say that the car will actually cost more like £1000. Gutted!

6pm – I’m a bit bummed out and decide I don’t fancy cooking. I nip into the shops into two chicken salads and a pack of smarty cookies for tea! £12

7pm – Time to start planning the weekend! I buy some polaroid film on Amazon. 2 packs for £30.

8.30pm – Watching Netflix at home, cheesy American High School dramas are my thing! My favourite way to unwind.

Total spending: £47

 

Friday:

7am – Time to throw together another breakfast smoothie.

2pm – I seem to be little dependent on vegetarian sausage rolls at the moment! 2 for £1

5:30pm – On Friday’s we would usually get a takeaway, or pop out for Italian food, but, in the interests of saving money, I thought I’d make everyone at home my favourite pasta. So off to Tesco to pick up ingredients! £20

7:00pm – I call my mum and catch up then I get ready for the weekend meaning getting my clothes ready, washing hair, face mask and fake tan!

9:00pm – Ring my dad and ask if I can borrow a bit of money for my car. It’s never ideal having to call your family to borrow money as, at this point in life, I feel pretty independent. However, sometimes needs must. I count myself very lucky to have a family I can call on. He says “I’ll see what I can do” so… fingers crossed.

Total spending: £21

 

Saturday:

10:30am – We have leftover avocados, so avocados on toast for us. Nice to have a restaurant-style brunch at home.

11:00am – Drive for just over an hour to see my brother, niece and nephew. I nip to Greggs on the way and buy a cake for the kids £4.00. One small perk of having no car is saving £20 on petrol because my boyfriend drove 😉

8pm – We set off to a Northern Soul club night in Stoke. I share a bottle of white wine with a friend – £15.  Also, sold a couple of tickets for my own event which I put straight into my piggy bank and balanced the cost of the wine.

1am – Time to head home and straight into bed

Total spending: £19

 

Sunday:

7am – Early start, we go to a couple of car boot sales to see what records my boyfriend can find and try my luck on finding vintage cameras. No joy on the camera front but I love rummaging around at car boots! Great places for bargains on clothes, homeware, you name it.

10:30am – We make it to McDonald’s just in time for breakfast. We grab two egg and cheese bagels meals – my boyfriend’s treat!

4pm – Went for a long walk with the dogs. We stopped off at Co-op to get some chocolate and pop. £4

7pm – Boyfriend’s parents make a vegetarian Sunday lunch! And relax…

Total spending: £4

 

Weekly spend £154 +£1000 for the car (next week!)

 

Chat

Money for Life work in partnership with the Money Advice Service, an independent organisation set up by government. Money AdviceService provides free, unbiased money guidance across the UK to help people make the most of their money.  If you have a question or need help, you can chat to them here.

Launch Chat

Chat to the Money Advice Service
Monday to Friday, 8am to 6pm
Saturday, 9am to 1pm.