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journaling day

making money

tutoring! one of the easiest to make good money in limited time! you don’t have to make home calls if you sign up to an online tutoring agency and tutor over skype

sell your old clothes. to friends/classmates or online (eBay or depop are my favourite platforms)

sell your old notes. this is easily done online and a good way to make a little extra cash

sell your skills. sites like etsy and redbubble are good places to make money off your creative talents

saving money

save £1378 in a year with my free printable

make coffee and tea at home. those daily £3 coffees add up quickly

take your own mug to coffee shops. if you can’t resist the temptation of a coffee shop coffee take your own mug. pret a manger gives you a 50p discount if you bring your own mug and caffe nero gives you double stamps

don’t carry money with you all the time. this will just make you tempted to spend

never buy another bottle of water. carry a reusable bottle with you, bottled water is very very overpriced considering most cafes will refill your bottle for free

don’t use apple pay. if you always have access to money you’ll be much more tempted to go into that shop and buy the top you passed in the window

food prep! carry snacks and a packed lunch with you to avoid pricey snack bars and ready meals. this is also an easy way to be healthier

home cook. this is always cheaper than eating out and 99% of the time cheaper than pot noodles/ramen. home cooking is even more affordable if you do it in bulk or with friends

borrow and download free ebooks and audiobooks as much as possible

make good use of the library. instead of buying books borrow them for free, a library membership is often free if you belong to a university/college but a membership is still often cheaper than buying lots of books if you’re a big reader

bring reusable bags to avoid paying for plastic bags and be kinder to the environment.

go paperless. avoid printing costs and look after the environment

cut your own hair. going to the hairdressers is expensive and can be saved as a treat but if you just need to trim your split ends there’s no reason why you shouldn’t do it yourself or get a friend to help you

pre drink! if you are going out then drink alcohol at home it’s much cheaper than buying it in pubs or bars

other

use cash. it’s much easier to avoid spending money and stick to your budget when you can see exactly how much you have 

keep track of your saving and spending. i love the ‘pocket expense’ app. this will also show you what things you are overspending on 

collect coupons and loyalty cards. points make prizes!

I’ve gotten pretty good at saving money over the years, here are my tips!

Look into minimalism. I put this first because if you are someone who feels trapped in a cycle of spending money on clothes and things you don’t need (like I once was) you need to consider a way of life that requires less unnecessary spending and focusses on improving your character and life as a whole. It can be hard to even begin saving when you have a strong urge to buy the latest trends and trinkets, but it is possible to break out of the cycle, and easier if you watch some motivating videos. here are some of my favs (no sponsors!):

Minimalism: What I Stopped Buying!

Konmari your life

The Art of Letting Go | The Minimalists | TEDxFargo

Never spend more than you earn. This is easier for some and harder for some but is the most crucial part of saving because you need money left over each week to save. If you’re jobless at the moment, or spending heavily, you need to cut down your spending so its below the amount coming in.

Put your budget in a spreadsheet. I put my weekly budget in an excel document with all my expenses (bus fare, phone service, food and other) and earnings (student loan payments, extra work) and see what can be left over.

Decide how much you want to save, and how much you want to spend from your left over money. lets say you earn $150 per week and must spend $50 on utilities. You have $100 left over to spend and save. If you want to get to your savings goal fast, you should save more than you spend. If you’re relaxed about saving and just want to put away a small amount, you can adjust the ratio accordingly.

Transfer your saving amount into your savings account immediately  after you get paid. Let’s say you want to save $60 per week and have $40 left to spend on food, experiences and miscellaneous items. Transfer that $60 into your savings account when you get paid and leave the $40 + utility amount ($50) in you spendings.

Pay for utilities as soon as possible. Pay your service provider load your transport money onto your transport card, put the petrol in your car etc when you get paid, if possible. This leaves you with only your extra $40 spending money in your account, so you know how much you can spend from it throughout the week.  

 it means to look ahead of you, not behind, not to the side. pay no attention to the strangers around you until you can look at them and feel peace in your heart that you are doing just fine and so are they. you do not have to compromise your self love because someone else is beautiful, successful etc. you can be beautiful too, don’t worry.