Hi all... sneaking back in after not keeping up this week after all. It's not because I haven't had a chance to, note that my spending this month has been out of control and I've felt unable to pop in to log spends when there has been nothing frugal going on 😞.
Today I've sat down and been through bank transactions and written them down in my spending diary. I've been trying to do this daily since September. I've noticed a real correlation between over-spending and not noting daily.
I've also identified a couple of spending triggers. 1) spending time with my mum... we tend to go off to do some shopping together. I don't really clothes shop any other time but have had two big splurges (£60/£70 each), mostly needed (school shoes, forgotten suitcase etc etc) but they were unbudgeted and the cost could have been spread out. The trouble is, my mum shops for the girls at the same time so I feel that I can't just let her buy stuff for them and I end up buying extras I probably wouldn't have had I been shopping on my own. In future, il save £50 per holiday for this purpose. 2) entertaining. We've had various different family lunches/friends for dinner etc and although I plan ahead and get most things with our weekly shop, inevitably I have a last minute panic about not having enough and do an extra ship on top. 3) not thinking about 'hidden' costs (well, not hidden, just not thinking of everything) examples include £60 train tickets needed for this weekend and a babysitter for next weekend.
Sorry, this is turning into a bit of a brain dump. From a quick catch up on the thread I can see there are lots of things going on for lots of you... il stop rambling now and catch up properly.
Roll on March 🤪