Blogger on a Budget

Posted in All Posts, Life & I

For years, budgeting has been one task which always seemed like a bit of a chore to me – silly thoughts, I know. I guess it could be my sheer dislike of maths which perhaps deterred me from watching my money and rather my fondness of shopping which somehow fuelled my spending habits.

But over the past few months, the reality of how important keeping a budget is has really dawned on me. So with this in mind, I have set myself a challenge to keep to a budget. Some days it goes well, other days I somehow ‘forget’ it exists.

However last month, I really did surprise myself. I found a method which seems to work for me and I was amazed at the outcome. Work colleagues encouraged me to use a spreadsheet, I downloaded various budgeting apps and my Mum even bought me a special budgeting book. But none of these methods seemed to really help me – granted, I am sure I wasn’t using them how they were meant to be.

The thing that worked and is still working, was writing everything down. Yes, it seems like an extra effort and it is quite an old-school method. But when I sit down for five minutes, after battling through various codes and secret questions to access my online banking (feeling like a Special Agent) and once I’ve finally fought my way through goodness knows how many receipts, I feel not only organised but happy.

Perhaps this is a turning of age type thing. Maybe as I’m approaching the grand age of 24 I have finally realised how much things cost and how much I can save. Somehow the supermarkets price match deals and 2-4-1 offers are looking more attractive – yes, I’m turning into my Mum sooner than I thought. I only dread to think how much money I wasted over the years on so many unnecessary items – and how much I could have saved.

But you know, I guess we all have to learn at some point. Now I am by no means saying I have mastered the art of budgeting – but I feel like I am making progress. We all have to start somewhere and if you are like me, desperately searching for ways to save then I thought I would share my top three budgeting tips.

Top 3 Budgeting Tips

Write all your spends down

Grab yourself a notebook – divide it up into day sections, add a general monthly outgoings page which includes your key expenditures (rent, bills etc.) and a weekly overview of your spends.

At the end of each day, gather your receipts and simply write down all that you have spent; then at the end of the week, total this up. You will soon see how much you are spending per week and where savings could be made. Plus, it will help you to plan your budget better for each month.

Do a weekly food shop

Yes the pain of going once a week and carrying heavy bags is perhaps one of the ultimate chores, but by doing one shop a week you will be amazed at how much you can save. Of course if you need to pop in for the odd item – do so, but after popping into a supermarket everyday for seven days a week to grab a handful of items, it is so easy to spend large amounts on very little things and it soon all adds up.

Make a list, budget yourself to a set amount and shop around for offers. Perhaps even do your weekly food shop online where you can keep an eye on the total amount. You will not only save a good amount of money, but also time as you can by-pass the shops on your way home and simply make a short trip to your cupboards where it will feel like a goldmine of food – you’ve got to love that, right?!

Plan ahead

Look at the forthcoming months and see if there is an event or occasion which you need to save up for. It could be something like a car or deposit, perhaps a holiday or a special outfit – by planning ahead it will not only help you to work out a budget but inspire and encourage you to put a little aside each week.

Getting organised could also mean planning your weekly shop and meals which would help you to stick to your budget in the long-run. Once you’re in this habit, you will soon notice how much you will save and by keeping to this, there may even be more left over for you to enjoy!
So there you have it – three easy budgeting tips which are working for me. I found lots of useful advice online which has encouraged me to get organised and budget better, so definitely do a little research and find a method which will help you.

As I am getting older, the importance for budgeting has become greater – I only wish I had taken my Mum’s advice sooner! Let me know if you have any top budgeting tips or methods which you have found helpful!

Blogger on a budget

17th May 2015
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21 Comments

  • Reply Lyndsay (@FizzyPeachesx)

    Some really good tips there! I’m so rubbish at budgeting, I always start the month with a notebook and spreadsheet then by week 2 it’s all forgotten about and I’m in my overdraft, doh! One day I’ll learn….. maybe 😉

    Thanks for linking up to the Lifestyle Link-up – hope to see you again next week!

    Lyndsay | Fizzy Peaches

    17th May 2015 at 8:53 pm
    • Reply marianna larissa

      I know – it usually happens to me too but I keep trying! I keep telling myself it’s a process! 🙂 No worries about the link-up, I’m new to the concept and have heard others talking about it so when I saw it on Facebook earlier I thought I would check it out! Have a great week 🙂

      17th May 2015 at 9:02 pm
  • Reply marianna larissa

    Hi Paula! Certainly – I just clicked over and straight away the healthy carrot cake muffins are calling out to me! Hope you had a lovely weekend 🙂

    17th May 2015 at 9:03 pm
  • Reply Rock On Holly (@rockonholly)

    My sister swears by spreadsheets for this kind of stuff – she’s very organised!! I think writing down everything you spend is a great idea as it can be a shock to see how much little things like sweets and magazines add up to…. Great post! xx

    http://www.rockonholly.com

    17th May 2015 at 9:04 pm
    • Reply marianna larissa

      Hi Holly! I know – trust me, the amount I have spent on Tangfastics I could have probably bought an entire sweet factory… oh the dream! Thank you for your comment and hope you have a fab week!

      18th May 2015 at 9:53 am
  • Reply Yay Interiors Blog (@yay_interiors)

    I am so rubbish when it comes to saving 🙁 Like I just can’t keep money ! Great advises. I see you are from Manchester as well:) Your blog is soo lovely, I will comeback more often 🙂

    Anna,
    http://www.yayinteriors.co.uk

    17th May 2015 at 11:34 pm
    • Reply marianna larissa

      Hi Anna, yes I live in Manchester too! I love this city – there’s so much going on so even more reason for me to spend and try to save! Hope you had a lovely weekend and thank you for your comment! Looking forward to checking out more posts from you too! 🙂

      18th May 2015 at 9:54 am
  • Reply Bec

    Good advice here – I only take cash for a night out and put my taxi money in my bra (which I retrieve) just before I get taxi. Stops me hitting the bank card when not entirely sober…

    18th May 2015 at 12:51 pm
    • Reply marianna larissa

      That is such a good idea Bec! I never even thought about doing this! I tend to bring my bank card but think this would be a safe-guard way of saving money and my card! 🙂

      18th May 2015 at 9:48 pm
      • Reply Bec

        Youre welcome 🙂 yes and keeps bank card safe at home

        18th May 2015 at 10:44 pm
  • Reply nishkpatel

    Some great tips, I’ve tried writing everything down before but always forget a few days later. In terms of saving I have a weekly direct debit going out into my savings account, I would never make the effort to save money so this automatic method really helps me. Good luck with saving and budgeting x

    HOW I WEAR | A Manchester Style & Beauty Blog

    18th May 2015 at 12:57 pm
    • Reply marianna larissa

      Thank you! I should really set up a direct debit when I get paid – I think I’ll do this when I get into my habit a bit more. And speaking of forgetting to write things down, I just had to catch-up on a few days as I keep leaving my notebook in other bags! I’ll get there one day 🙂 Hope you have a great week!

      18th May 2015 at 9:49 pm
  • Reply Emma-Louise Cullen

    Totally agree with doing a weekly food shop and planning your meals; it is a bore, but you limit waste and need to buy less…. and sometimes using stuff up makes for interesting dinners! Great post x

    18th May 2015 at 1:12 pm
    • Reply marianna larissa

      Hi Emma! Definitely – I made a huge pasta bake for dinner tonight and will have this for lunch tomorrow. Although I just checked my fridge and I have peppers, broccoli and burgers left over before I do my food shop – an interesting dinner planned for tomorrow indeed! There are loads of great meal planners and kitchen boards which are really nice so I may invest in one which could help me to plan! Enjoy your week 🙂

      18th May 2015 at 9:51 pm
  • Reply pauperintoprincess

    Lovely post! Just been drafting up my Top 10 Thrift Tips post so definitely inspired me to get on and finish it! New follower <3 http://www.paupertoprincess.com

    18th May 2015 at 3:30 pm
    • Reply marianna larissa

      Thank you! I just checked out your blog and it’s great – loving your latest post about your commitment to your blog. I have such a love-hate relationship with mine as in one day I feel so excited and motivated and the other I’m stressing about ideas! Congratulations on all your success and upcoming plans 🙂

      18th May 2015 at 9:56 pm
      • Reply paupertoprincess

        Yeah! I’m still battling quite a lot with getting back links to work, favicons live, etc – so much more trouble than I thought! Definitely feel a ‘Moving to WordPress.org’ post coming on. Keep up the great work <3

        18th May 2015 at 10:24 pm
  • Reply Stacey Oriette (@detailsofdress)

    I need implement the ‘writing everything down’ tip! I’m sure I spend way to much on little unnecessary things that are too cute, ya know?! I’m trying to save for my trip back home in July, so it was motivating to read your tips, thanks for sharing! xx

    Stacey
    http://www.detailsofdress.com

    18th May 2015 at 8:43 pm
    • Reply marianna larissa

      Hi Stacey! I know how you feel – I keep spending mine on (un)necessary clothes and shoes! But you know, it’s summer (almost) and a girl’s gotta do what a girl’s gotta do! Glad to hear you are motivated and hope you have a great time back home along with plenty more shopping trips! 🙂

      18th May 2015 at 10:00 pm
  • Reply Bronwyn Bernadette Josephine Naidoo

    Love this post 🙂 Budgeting is so important. Especially when you begin accumulating more expenses as time goes by, such as paying for a car or house. Thank you for these relaistic tips. Lots of love from South Africa 🙂

    My blog: http://millenialmum.blogspot.com/

    28th May 2015 at 2:42 pm
    • Reply marianna larissa

      I’m so glad you like the post! I find budgeting for big things so exciting if a little scary! Hope you have a lovely day in South Africa! 🙂

      28th May 2015 at 3:13 pm

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