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Money makes the world go round

May 20, 2018

Guys, I’m gonna be honest I’m struggling…

I’ve been living on my own for about 5 months now, and I still haven’t got the hang of it.

In my head five months should be enough time to know how to handle my money, but I still don’t get it and its becoming a bad habit that the last week of the month I am scraping by. I’ve had to borrow money from my dad which I really hate doing because he works so hard and I don’t deserve it whatsoever. I’m going to pay him back but it’s just a tough process.

I know how I can improve, at the end of the day im still in old habits, like I need to stop eating out and going places so much. I think it comes from when I was at home I just wanted to get out so I kept busy with cinema and mini golf etc and im still in that mindset. Not only that but ive had bigger expenses such as im going away to Amsterdam and as much as I shouldn’t, I need it. Plus my car needed like £300 of work doing but I can’t afford to get a new car so hey that nearly broke my back basically.

Its difficult getting that balance between wanting to save money but not wanting to live under a rock. In all honesty I need a new job for more money, but because im doing my NVQ at the minute its difficult because I can’t leave until ive finished it which won’t be until October.

Ugh I hate that the world revolves around money and as much as I try to say it doesn’t, it most definitely does. I should be okay going forward as I have nothing big planned expense wise for the rest of the year, but if anything does go wrong I am majorly buggered. aaaah we will see, I may have to start selling body parts or something.

I am currently saving money each month but with Amsterdam and my car it’s all gone already.

Wish me luck, and any advise is much appreciated,

Lots of love,

A very broke and poor Sophiemagsx

  • Reply
    Life As Najida
    May 20, 2018 at 8:32 am

    Good luck! x

  • Reply
    Tracey
    May 20, 2018 at 9:02 am

    When we were starting out Sophie I had a part time pub job couple evenings a week as well as working full time – that was my socialising money plus you met people and had fun at same time xx

  • Reply
    Ian
    May 20, 2018 at 12:46 pm

    Budgeting. Is the only way to stay solvent. A statement of the financial position of an administration for a definite period of time based on estimates of expenditures during the period and proposals for financing them. Only spend within it.
    It does mean going spare sometimes..
    Good luck

    • Reply
      simplywendi
      June 3, 2018 at 3:25 am

      Amen to Ian’s comment, budgeting is a necessity.

  • Reply
    L. Stevens
    May 20, 2018 at 1:59 pm

    Look for free things to do in your area! I personally am a huge fan of park picnics and free museum nights.

  • Reply
    Michael J. Miller
    May 20, 2018 at 4:37 pm

    Ugh, I know. This can be brutal. For me, I’m a visual person so I have to take that approach to my budgeting. When I get paid, I’ll physically take some cash out of the bank and put it in an envelope. That way I can literally *see* how much fun money I have left for the week. Then, when I’m thinking about buying a book or going to the movies or a coffee shop or whatever, I can weigh how much is left in the envelope and what else I may want it for. It doesn’t work every week and there are times I’ll take out more, use the credit card, whatever. But, by and large, it has helped.

    On a far more unconventional note, before you start selling body parts, I knew someone who sold their hair once when they were looking for extra money. It seemed super weird to me but I guess people buy it all the time for wigs and things like that. So she got a new short haircut and she made some nice side cash too. Her thought was her hair was a “renewable resource” when it came to making money. There’s also always reality TV game shows and/or a high stakes heist ala the Ocean’s movies :).

    In all seriousness though, this will eventually sort itself out because you’re actively working to do so. If nothing else, take solace in that. A lot of people see budget problems and they just sort of ignore them, hoping they will magically fix themselves. You’re not doing that and that is quite important. So good luck. It will get easier, eventually (even if, by my experience, it’s never “perfect”). May the Force be with you.

  • Reply
    Amelia in Hull
    May 21, 2018 at 7:00 am

    Awww bless you good luck!! Hope it all works out ❤ xx

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