Saving Money

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I love saving money. I don’t know what it is; I’m like a squirrel with nuts when it comes to collecting coins and paper notes. I just like to accumulate money, know it’s there and put it away for a rainy day. Not even a rainy day – I just like to know I’ve got a float, a back up plan, a safe haven in case I ever need it. Savvy? (I’ve been binge-watching Pirates of the Caribbean lately).

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I guess I’m addicted to saving money. It makes me feel like I’ve got my shit together. It makes me feel more independent. It makes me feel secure. 

Admittedly, saving money isn’t easy. Not if you’re a student and you don’t have a permanent job; you’re just hustling and doing what you do best to make ends meet. But, it’s so rewarding to know that if you just make little sacrifices here and there, do some wheeling and dealing (selling on eBay, gumtree, sponsored posts on my blog here and there and collaborations etc.) then you can watch your money accumulate. And you did it all by yourself. It’s such a wonderful feeling.

The temptation is always there though. The money could be spent on so many other things, and you never know what tomorrow might bring, so shouldn’t you just spend what you’ve got and live in the moment? I don’t know. That attitude isn’t for me anyway. I like having a back up, a little stability and something that’s mine and mine alone. 

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I’ve always tried to keep track of my income, outgoings and spending habits by recording bits and pieces on my notes in my phone, in my diary, throughout various different notebooks… and it can get a little messy and indecipherable. So, when I found this little beauty on Busy B I knew it was just what I needed in my life. I can keep track of absolutely everything, all in the one place, and I can dedicate this one book to my saving habits. I can keep it all in the one place and check it regularly. It’s exactly what a girl like me has been needing in her life for a long time. I feel like I’m really on top of things now that I’ve started using this terrific wee treasure!

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I love that it has handy pockets for you to pop your receipts in and keep track of them too. I’m going to be using it to keep all of my travel, lunch, cinema and day out receipts so that I can see what I spent at the end of every month. It has different sections for what you’re spending for leisure, what’s coming in, what’s going out, what you’re left with at the end of the month; it’s got sections to plan your expenditure  at Christmas, on holidays, on birthdays and so on and so forth. It doesn’t miss out anything. I’m definitely going to start tracking everything in my life money-wise so that I can see where I can be cutting back and saving more monthly. There’s nothing better than having a dedicated budget book to help you stay on top of your finances.

In 2018, I aim to put by a lot of money and save as much as I possibly can whilst maintaining a comfortable lifestyle and not depriving myself too much. Having a budget book is just one way to keep on top of it all. There are other ways to save money too! Get yourself one of those ‘piggy banks’ that you can only open once you’ve smashed it. Pop notes and stuff in there, go crazy, it all mounts up! And the fact that you can’t see how much is in it until you’re ready to smash it helps to obliterate the temptation. Don’t leave all of your money in your bank account, it’s too easy to access (especially when it comes to online shopping), try to lift it out and put it away somewhere and forget about it. Or put it in a saving account that isn’t easy to access. Or join a money saving programme/group such as the Credit Union. Have a shimmy and see what is nearby you – and always ask around or do your research beforehand to make sure they’re reliable. 

Oh I could go on forever and a day talking about saving your pennies, I just get such a buzz out of it, and I’m definitely going to do a whole lot more of it in 2018. Get yourself a wee budget book, or make a bullet journal and start documenting your expenditure, it’ll really help you. Trust me. Oh, and it motivates you more too!

Charlene McElhinney

*The budget book featured in this blog post was sent out to me from Busy B in exchange for a review – all content, opinions & thoughts are my own*

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5 Comments

  1. January 20, 2018 / 7:57 pm

    I definitely need to invest in one of these budget books, what a lifesaver! I too really like to save, I have an ISA which accumulates more interest the more I put in, so to see that number rise is a brilliant motivating feeling! Thank you for sharing all of your tips!

    Abbey ❤️

  2. January 20, 2018 / 8:56 pm

    I love saving money too, for me it’s just seeing the number in my bank account. I don’t as much keep track of what I’m spending but just try and go as long as I can without spending anything (excluding bills and stuff lol) but for the past year I’ve been stuck between wanting to saving and fuck it live in the moment x x

  3. Elizabeth Seal
    January 27, 2018 / 9:26 pm

    I could definitely do with this, I’m working hard to save as much as possible at the moment! January can feel so difficult but I know that it will be worth it in the long run, this was so motivating for me! 😀 xx

    elizabeth ♡ ”Ice Cream” whispers Clara
    (I would love to follow each other on bloglovin if you like! :D)

  4. April 16, 2018 / 9:49 am

    I love the budget book haha! Definitely hard to save when the interest rates in the UK are so poor at the moment however it is definitely still worth it as hopefully I will be able to retire early one day!

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