Money Diary: A 26-Year-Old Homelessness Worker In Manchester On 26k

Anonymous
·18-min read

Welcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking a cross-section of women how they spend their hard-earned money during a seven-day period – and we're tracking every last penny.

This week: "I am a 26-year-old from Manchester working in local government. I started a new job about two months ago which included a nice increase in pay. This pay rise combined with a massive drop in spending on going out, drinks and travel (and generally having fun) during the pandemic has meant that my savings have grown pretty significantly over the past few months. I feel quite guilty about the fact that I have benefited financially during the pandemic when so many people around me have been made redundant, furloughed or taken pay cuts.

I generally consider myself to be quite good at knowing when to spend and when to save but I definitely don’t make use of different financial tools and would like to make myself better informed in general."

Industry: Local council – housing and homelessness
Age: 26
Location: Manchester
Salary: £25,995
Paycheque amount: Take home £1,696.07 after tax, pension and student loan payments
Number of housemates: One, my boyfriend L

Monthly Expenses

Housing costs: £337.50
Loan payments: Student loan payments come directly out of my salary.
Utilities: Monthly bills (electricity, council tax, internet, TV licence) £90, water bill is paid quarterly, normally around £120.
Transportation: I don’t have a car but I’m a named driver on my boyfriend's car insurance. This was £79 at the start of the year. Due to lockdown neither of us is driving much at the moment so petrol costs are pretty minimal.
Phone bill: £42
Savings? I have £9,700 in a savings account.
Other: Contact lenses £13, £5 to Rape Crisis. I have a free gym membership thanks to my best friend working at a gym, my dad has paid for a family Apple Music account which me and my sisters use, I use my sister’s Netflix and we use my boyfriend’s mum's Amazon Prime. I also have a free Audible subscription for the next 12 months which was an incentive with my phone contract. I realise I’m very lucky to have all these things for free as they would probably come to around £80 a month if not. This has made me realise I should probably increase the amount I give to charity to try and pay it forward.

If you are interested in completing your own (paid) money diary, please email moneydiary@refinery29.uk with a bit of information about yourself. Unfortunately we aren't able to reply to every email.

<strong>Day One</strong><br><br>7.15am: Wake up, have a shower and wash my hair. It’s the first day back after Christmas so I want to make sure I get up early enough to wash my hair and get properly prepared before starting work from home at 8am. It can be really tempting just to roll out of bed and pull on some leggings but I find that when I properly get ready as if I’m going into the office, I have a much more productive day. Have a cup of tea and some Special K for breakfast. <br><br>11.45am: I’m not being very productive today, which is frustrating considering it is the first day back and I’m full of that new year, new me energy. My boyfriend (L) is also working from home so we take a quick break to make some coffee and I have this at my desk with a leftover blueberry muffin. My new year, new me energy will never extend to cutting out sweet treats…<br><br>12.50pm: L and I go for a quick walk around the block to get some fresh air before lunch, which wakes me up a bit as it is absolutely freezing outside. I have some minestrone soup for lunch with half a bagel and we watch an episode of <em>Explained </em>on Netflix about astrology. I don’t regularly read my star sign but I definitely consider myself a true Virgo so it is interesting to find out a bit more about the history behind star signs (and that they are essentially just made up).<br> <br>3pm: Some new bedding and a candle that I ordered online from Next arrives. I was given some Christmas money by my auntie and I’ve spent it on some new bits for our flat. We moved into this flat a few years ago straight after uni so a lot of the homeware we have is the same stuff I bought when I first went off to freshers at 18. It’s nice to start replacing it with better quality, grown-up stuff, but I’m learning that nice homeware is expensive so I’m trying to do this gradually when I have extra money to treat myself. <br><br>4.35pm: Finish work and go for another, slightly longer walk. I really like going for a post-work walk as it feels like a fake ‘commute’ so helps me to mentally separate work from home while I am WFH. It also gives me an opportunity to listen to all my favourite podcasts.<br><br>6pm: Get back and do a quick home workout. I mostly use YouTube videos or free apps but I’m considering paying for a home fitness plan as I am getting bored of the same workouts after almost nine months of not being able to use the gym. I try out the app 8fit today but decide it’s not worth the £25.99 per month. <br><br>7.15pm: We have absolutely zero food in the house so grab a ready meal out of the freezer and stick that in the oven for tea, then start making a shopping list. The one good thing from lockdown is that it has made me very good at planning out meals and doing food shops that will last us slightly longer without just chucking loads of junk in the trolley.<br><br>8.50pm: Head to big Tesco with L and we run around getting everything on my list, plus a few extra treats as lockdown number three has just been announced so we need cheering up. L pays and I transfer him £23.60 for my half.<br><br>10pm: Get home and watch a bit of <em>Schitt's Creek </em>with some ice cream (re. cheering up after announcement of lockdown number three). Read a little bit in bed and then get some sleep.<br><br><strong>Total: £23.60</strong>
Day One

7.15am: Wake up, have a shower and wash my hair. It’s the first day back after Christmas so I want to make sure I get up early enough to wash my hair and get properly prepared before starting work from home at 8am. It can be really tempting just to roll out of bed and pull on some leggings but I find that when I properly get ready as if I’m going into the office, I have a much more productive day. Have a cup of tea and some Special K for breakfast.

11.45am: I’m not being very productive today, which is frustrating considering it is the first day back and I’m full of that new year, new me energy. My boyfriend (L) is also working from home so we take a quick break to make some coffee and I have this at my desk with a leftover blueberry muffin. My new year, new me energy will never extend to cutting out sweet treats…

12.50pm: L and I go for a quick walk around the block to get some fresh air before lunch, which wakes me up a bit as it is absolutely freezing outside. I have some minestrone soup for lunch with half a bagel and we watch an episode of Explained on Netflix about astrology. I don’t regularly read my star sign but I definitely consider myself a true Virgo so it is interesting to find out a bit more about the history behind star signs (and that they are essentially just made up).

3pm: Some new bedding and a candle that I ordered online from Next arrives. I was given some Christmas money by my auntie and I’ve spent it on some new bits for our flat. We moved into this flat a few years ago straight after uni so a lot of the homeware we have is the same stuff I bought when I first went off to freshers at 18. It’s nice to start replacing it with better quality, grown-up stuff, but I’m learning that nice homeware is expensive so I’m trying to do this gradually when I have extra money to treat myself.

4.35pm: Finish work and go for another, slightly longer walk. I really like going for a post-work walk as it feels like a fake ‘commute’ so helps me to mentally separate work from home while I am WFH. It also gives me an opportunity to listen to all my favourite podcasts.

6pm: Get back and do a quick home workout. I mostly use YouTube videos or free apps but I’m considering paying for a home fitness plan as I am getting bored of the same workouts after almost nine months of not being able to use the gym. I try out the app 8fit today but decide it’s not worth the £25.99 per month.

7.15pm: We have absolutely zero food in the house so grab a ready meal out of the freezer and stick that in the oven for tea, then start making a shopping list. The one good thing from lockdown is that it has made me very good at planning out meals and doing food shops that will last us slightly longer without just chucking loads of junk in the trolley.

8.50pm: Head to big Tesco with L and we run around getting everything on my list, plus a few extra treats as lockdown number three has just been announced so we need cheering up. L pays and I transfer him £23.60 for my half.

10pm: Get home and watch a bit of Schitt's Creek with some ice cream (re. cheering up after announcement of lockdown number three). Read a little bit in bed and then get some sleep.

Total: £23.60
<strong>Day Two</strong><br><br>7.30am: Wake up and drag myself out of bed. I’ve got a lot of Zoom meetings today so I brush my hair and put a little bit of makeup on. L makes me a cup of tea as he is an angel. <br><br>9.30am: I have a post-Christmas catch-up with my line manager and she tells me she is pregnant! Which is very exciting but also very stressful as I don’t have a clue how to do my job without her. One of my friends has been having a tough time as her grandma died from COVID over Christmas. A friend and I chip in to send her some CBD brownies, they’re £19 including shipping so my half is £9.50. <br><br>12.30pm: Stop for lunch with L and have a tuna wrap and a few tangerines before getting straight back into the Zoom meetings.<br><br>4.50pm: Finish work and have a couple of snacks while I read my book, which is <em>The Thursday Murder Club</em> by Richard Osman. I’m really enjoying it so far. Then I head out for a walk to try and get some exercise.<br><br>6.30pm: I get home and do another free home workout. I cook us a complicated vegan lentil salad from a new cookbook I was given. It is surprisingly nice but not sure it was worth all the obscure ingredients.<br><br>8.50pm: After tea we watch <em>The Serpent</em> on iPlayer. It’s my sister’s birthday on Friday so I order her a few things off ASOS which come to £31.50 (thanks to L’s student discount). L has already ordered her something off Etsy so we decide to give her both presents jointly and I transfer him an extra £10 towards that so that we are paying roughly the same amount.<br><br>10.30pm: Head to bed, read some more of my book and fall asleep.<br><br><strong>Total: £51</strong>
Day Two

7.30am: Wake up and drag myself out of bed. I’ve got a lot of Zoom meetings today so I brush my hair and put a little bit of makeup on. L makes me a cup of tea as he is an angel.

9.30am: I have a post-Christmas catch-up with my line manager and she tells me she is pregnant! Which is very exciting but also very stressful as I don’t have a clue how to do my job without her. One of my friends has been having a tough time as her grandma died from COVID over Christmas. A friend and I chip in to send her some CBD brownies, they’re £19 including shipping so my half is £9.50.

12.30pm: Stop for lunch with L and have a tuna wrap and a few tangerines before getting straight back into the Zoom meetings.

4.50pm: Finish work and have a couple of snacks while I read my book, which is The Thursday Murder Club by Richard Osman. I’m really enjoying it so far. Then I head out for a walk to try and get some exercise.

6.30pm: I get home and do another free home workout. I cook us a complicated vegan lentil salad from a new cookbook I was given. It is surprisingly nice but not sure it was worth all the obscure ingredients.

8.50pm: After tea we watch The Serpent on iPlayer. It’s my sister’s birthday on Friday so I order her a few things off ASOS which come to £31.50 (thanks to L’s student discount). L has already ordered her something off Etsy so we decide to give her both presents jointly and I transfer him an extra £10 towards that so that we are paying roughly the same amount.

10.30pm: Head to bed, read some more of my book and fall asleep.

Total: £51
<strong>Day Three</strong><br><br>8am: I really struggle to get out of bed this morning but eventually manage to pull myself to my desk, set up and log on. I have a cup of tea and a bagel at my desk for breakfast.<br><br>11am: One of my meetings is pushed back by half an hour so I take the opportunity to nip out and get myself and L coffees from Costa, which comes to £6.25. I occasionally treat us to coffees during the week, it’s definitely an unnecessary expense but when I was in the office full-time I used to waste loads of money on coffee and snacks so I can justify it as I am spending a lot less than I would previously.<br><br>2pm: I have a break for lunch and eat the rest of the lentils that I made last night. I’ve had a really busy morning but I know that things should be a bit calmer this afternoon. One of the things I find frustrating in my new role is that it can go from crazy busy one day to struggling to fill the day the next. There have been a few policy announcements recently that affect my team so I have a chilled afternoon reading up on them.<br><br>4pm: I finish work a bit earlier than usual, I’ve been reading the news and end up feeling really anxious. It’s been an awful day for COVID deaths and the news is full of stories about the NHS being overwhelmed. During the pandemic I’ve sometimes found it better for me to take a step back and ignore all the news and briefings.<br><br>5.15pm: I finish my book and then we FaceTime L’s mum for a chat. His family live in Scotland so we try and speak to his mum most days to make up for the fact that we haven’t been able to visit much this year. <br><br>6.10pm: L says that he will cook our tea today as I’m still feeling anxious. I go out for a long walk and listen to some of my favourite podcasts.<br><br>7.30pm: Get back and feel a bit of cabin fever. I could really do with spending some time somewhere other than our tiny flat. L has made sausage casserole so we eat that and watch <em>Bridgerton</em>, which isn’t really my thing but still seems good. I finish off some wine we had left over.<br><br><strong>Total: £6.25</strong>
Day Three

8am: I really struggle to get out of bed this morning but eventually manage to pull myself to my desk, set up and log on. I have a cup of tea and a bagel at my desk for breakfast.

11am: One of my meetings is pushed back by half an hour so I take the opportunity to nip out and get myself and L coffees from Costa, which comes to £6.25. I occasionally treat us to coffees during the week, it’s definitely an unnecessary expense but when I was in the office full-time I used to waste loads of money on coffee and snacks so I can justify it as I am spending a lot less than I would previously.

2pm: I have a break for lunch and eat the rest of the lentils that I made last night. I’ve had a really busy morning but I know that things should be a bit calmer this afternoon. One of the things I find frustrating in my new role is that it can go from crazy busy one day to struggling to fill the day the next. There have been a few policy announcements recently that affect my team so I have a chilled afternoon reading up on them.

4pm: I finish work a bit earlier than usual, I’ve been reading the news and end up feeling really anxious. It’s been an awful day for COVID deaths and the news is full of stories about the NHS being overwhelmed. During the pandemic I’ve sometimes found it better for me to take a step back and ignore all the news and briefings.

5.15pm: I finish my book and then we FaceTime L’s mum for a chat. His family live in Scotland so we try and speak to his mum most days to make up for the fact that we haven’t been able to visit much this year.

6.10pm: L says that he will cook our tea today as I’m still feeling anxious. I go out for a long walk and listen to some of my favourite podcasts.

7.30pm: Get back and feel a bit of cabin fever. I could really do with spending some time somewhere other than our tiny flat. L has made sausage casserole so we eat that and watch Bridgerton, which isn’t really my thing but still seems good. I finish off some wine we had left over.

Total: £6.25
<strong>Day Four</strong><br><br>7.30am: Wake up, wash my hair and make myself presentable as it is another day of Zoom meetings. I make some porridge and somehow smash a glass while I’m doing it. I hope this does not symbolise how the rest of the day is going to go.<br><br>12.30pm: My morning meetings go really well, I’m researching a project on supporting women who engage in sex work and I have a really interesting and informative chat with a crisis worker from the local sex work charity. I’ve only got a short break before my next meeting but I’m starving so I make myself a quick Caesar salad and get back to work. <br><br>4.45pm: I’ve had some really good meetings today so log off for the day feeling happy. I guess smashing that glass didn’t actually set the tone for the day. <br><br>5pm: Chat with my boyfriend for a little bit. He was meant to have a late meeting but it’s been cancelled, which he isn’t exactly disappointed about. I’ve agreed to make a birthday cake for my sister. I call my mum and we decide on a coffee and walnut cake, which I need to buy a few extra bits for. Head out to Morrisons to get them. £4.50<br><br>5.50pm: I walk the long way home from Morrisons to get some exercise. When I get home I have a bit of a tidy of the flat and then quickly make the cake. I’m not the best baker but it seems to have gone alright.<br><br>6.30pm: While the cake is in the oven I do a home workout. I didn’t do one yesterday so I really enjoy it today but I still miss the gym.<br><br>7pm: Cake comes out of the oven and looks amazing. I’m really proud of myself! I’ll sort out the icing and decoration tomorrow. L makes us tea which is omelette and chips. We watch a few more episodes of <em>Explained</em> about K-Pop and tattoos. <br><br>10.30pm: Very much ready for bed tonight. Read for a bit but fall asleep very quickly.<br><br><strong>Total: £4.50</strong>
Day Four

7.30am: Wake up, wash my hair and make myself presentable as it is another day of Zoom meetings. I make some porridge and somehow smash a glass while I’m doing it. I hope this does not symbolise how the rest of the day is going to go.

12.30pm: My morning meetings go really well, I’m researching a project on supporting women who engage in sex work and I have a really interesting and informative chat with a crisis worker from the local sex work charity. I’ve only got a short break before my next meeting but I’m starving so I make myself a quick Caesar salad and get back to work.

4.45pm: I’ve had some really good meetings today so log off for the day feeling happy. I guess smashing that glass didn’t actually set the tone for the day.

5pm: Chat with my boyfriend for a little bit. He was meant to have a late meeting but it’s been cancelled, which he isn’t exactly disappointed about. I’ve agreed to make a birthday cake for my sister. I call my mum and we decide on a coffee and walnut cake, which I need to buy a few extra bits for. Head out to Morrisons to get them. £4.50

5.50pm: I walk the long way home from Morrisons to get some exercise. When I get home I have a bit of a tidy of the flat and then quickly make the cake. I’m not the best baker but it seems to have gone alright.

6.30pm: While the cake is in the oven I do a home workout. I didn’t do one yesterday so I really enjoy it today but I still miss the gym.

7pm: Cake comes out of the oven and looks amazing. I’m really proud of myself! I’ll sort out the icing and decoration tomorrow. L makes us tea which is omelette and chips. We watch a few more episodes of Explained about K-Pop and tattoos.

10.30pm: Very much ready for bed tonight. Read for a bit but fall asleep very quickly.

Total: £4.50
<strong>Day Five</strong><br><br>8am: It’s Friday! This week has felt very long after having some time off for Christmas so I am relieved to see the end of it. Get out of bed and have some Marmite on toast with a brew while I read the news at my desk.<br><br>9.30am: I have a catch-up with the team lead on one of my projects. I had originally planned to head into the office today but at the start of the week after lockdown three was announced, we decided it might be best to work together remotely today. The catch-up goes well but it is so much harder not being able to see her face-to-face.<br><br>12.30pm: Stop for lunch. I have the rest of the Caesar salad I made yesterday and watch an episode of <em>Schitt's Creek</em>. I have become absolutely obsessed with this show recently so I am very disappointed to find out it is only six series long. <br><br>2.10pm: I have definitely mentally finished for the day now. I’ve still got some stuff to finish up so I beg my brain to turn back on for a few hours.<br><br>3.30pm: I was meant to be logging off a little bit earlier today but I’ve been asked to attend a last-minute meeting at 5pm about a funding bid. I take a break now to quickly decorate the cake for my sister. I don’t own an electric whisk so I end up whisking the cream in a NutriBullet, which works surprisingly well. I’m really proud of how it turned out so you can look forward to my appearance on the next series of <em>Bake Off</em>.<br><br>4pm: Back to work after my sneaky baking break, this is definitely one of the perks of working from home.<br><br>5.50pm: Finally finished work. I’d promised to drop the cake and presents round at my mum and dad's at 4pm so running a bit behind now. I jump in the car and race over. I leave all the presents and cake in a bag on the porch and find they’ve left a bottle of prosecco for us all to have a drink on FaceTime later. We normally go out as a family for proper birthday celebrations but waving through the window and drinks on FaceTime will have to do this year.<br><br>6.30pm: Get home, open prosecco and get on FaceTime. We all watch my sister open her presents and have a couple of drinks. They’ve ordered Deliveroo tonight so my dad offers to pay for a takeaway for me and L, which we happily take him up on.<br><br>7.10pm: We order pho and L goes to collect as it is literally round the corner. £22.50 for both of us but my dad pays.<br><br>11.50pm: We end up watching some live festival sets on YouTube. I normally like to spend my money on gig tickets so I have been missing live music since everything closed at the start of the pandemic. It’s fun watching these old gigs but it’s not really the same as being there, although it is a lot cheaper.<br><br><strong>Total: £0</strong>
Day Five

8am: It’s Friday! This week has felt very long after having some time off for Christmas so I am relieved to see the end of it. Get out of bed and have some Marmite on toast with a brew while I read the news at my desk.

9.30am: I have a catch-up with the team lead on one of my projects. I had originally planned to head into the office today but at the start of the week after lockdown three was announced, we decided it might be best to work together remotely today. The catch-up goes well but it is so much harder not being able to see her face-to-face.

12.30pm: Stop for lunch. I have the rest of the Caesar salad I made yesterday and watch an episode of Schitt's Creek. I have become absolutely obsessed with this show recently so I am very disappointed to find out it is only six series long.

2.10pm: I have definitely mentally finished for the day now. I’ve still got some stuff to finish up so I beg my brain to turn back on for a few hours.

3.30pm: I was meant to be logging off a little bit earlier today but I’ve been asked to attend a last-minute meeting at 5pm about a funding bid. I take a break now to quickly decorate the cake for my sister. I don’t own an electric whisk so I end up whisking the cream in a NutriBullet, which works surprisingly well. I’m really proud of how it turned out so you can look forward to my appearance on the next series of Bake Off.

4pm: Back to work after my sneaky baking break, this is definitely one of the perks of working from home.

5.50pm: Finally finished work. I’d promised to drop the cake and presents round at my mum and dad's at 4pm so running a bit behind now. I jump in the car and race over. I leave all the presents and cake in a bag on the porch and find they’ve left a bottle of prosecco for us all to have a drink on FaceTime later. We normally go out as a family for proper birthday celebrations but waving through the window and drinks on FaceTime will have to do this year.

6.30pm: Get home, open prosecco and get on FaceTime. We all watch my sister open her presents and have a couple of drinks. They’ve ordered Deliveroo tonight so my dad offers to pay for a takeaway for me and L, which we happily take him up on.

7.10pm: We order pho and L goes to collect as it is literally round the corner. £22.50 for both of us but my dad pays.

11.50pm: We end up watching some live festival sets on YouTube. I normally like to spend my money on gig tickets so I have been missing live music since everything closed at the start of the pandemic. It’s fun watching these old gigs but it’s not really the same as being there, although it is a lot cheaper.

Total: £0
<strong>Day Six</strong><br><br>8am: Alarm goes off, so happy it’s the weekend and I don’t have to get up.<br><br>8.50am: Wake up properly and lie in bed watching TikTok for far too long.<br><br>9.50am: Get up and make the short walk to the sofa. Have a cup of tea and some Marmite on toast and watch the new episode of <em>Gogglebox</em> with L. <br><br>11am: After <em>Gogglebox </em>I do a leg workout using my resistance bands. I have a shower and get dressed, then go for a long walk. I stop off at M&S on the way home and treat myself to some lunch and get L some biscuits. £8.50<br><br>2.30pm: Home, eat my M&S lunch in front of the TV. I’ve got to attend a quick work meeting at 4pm so I have a look at my emails to check there is nothing I need to do ahead of that.<br><br>3.30pm: Read my book for a bit but struggle to concentrate. Log on to work for my meeting.<br><br>4.30pm: Meeting done, luckily everything was very straightforward so it didn’t take long at all. After the success of my sister's birthday cake, I decide to do a bit more baking. I spend forever attempting to make crumpets, which are far too difficult for a baking novice like myself.<br><br>6pm: I have a shower and wash my hair. Notice we’ve run out of shampoo and conditioner so I will need to nip out and buy some at some point. I put tea in the oven – I really fancy a chippy but we’ve got oven chips and Quorn nuggets so I have them instead.<br><br>7pm: L got a dartboard for Christmas so we decide to have a few beers and play darts. I’m really rubbish but it is a lot of fun.<br><br>12.30am: A few beers down, head to bed a bit drunk.<br><br><strong>Total: £8.50</strong>
Day Six

8am: Alarm goes off, so happy it’s the weekend and I don’t have to get up.

8.50am: Wake up properly and lie in bed watching TikTok for far too long.

9.50am: Get up and make the short walk to the sofa. Have a cup of tea and some Marmite on toast and watch the new episode of Gogglebox with L.

11am: After Gogglebox I do a leg workout using my resistance bands. I have a shower and get dressed, then go for a long walk. I stop off at M&S on the way home and treat myself to some lunch and get L some biscuits. £8.50

2.30pm: Home, eat my M&S lunch in front of the TV. I’ve got to attend a quick work meeting at 4pm so I have a look at my emails to check there is nothing I need to do ahead of that.

3.30pm: Read my book for a bit but struggle to concentrate. Log on to work for my meeting.

4.30pm: Meeting done, luckily everything was very straightforward so it didn’t take long at all. After the success of my sister's birthday cake, I decide to do a bit more baking. I spend forever attempting to make crumpets, which are far too difficult for a baking novice like myself.

6pm: I have a shower and wash my hair. Notice we’ve run out of shampoo and conditioner so I will need to nip out and buy some at some point. I put tea in the oven – I really fancy a chippy but we’ve got oven chips and Quorn nuggets so I have them instead.

7pm: L got a dartboard for Christmas so we decide to have a few beers and play darts. I’m really rubbish but it is a lot of fun.

12.30am: A few beers down, head to bed a bit drunk.

Total: £8.50
<strong>Day Seven</strong><br><br>8.50am: Wake up and have a couple of the crumpets I made for breakfast. They are nice but I don’t think they were worth the effort of making them. I’ll be buying a packet from the shops next time. Watch the new <em>Drag Race</em> with a brew.<br><br>10.30am: Have a shower and get dressed. I’m meeting my friend C for a socially distanced walk today so I drive over to the park near her house. I’m really excited for a bit of social interaction. I’m typically a very social person so I have found it incredibly difficult having to limit this so much during the pandemic.<br><br>11am: I was planning on buying a coffee at the café in the park but arrive to find it is closed. C was very organised and checked the opening times in advance so has bought us both coffees from home in keep cups! It is so nice to see her and we have a good catch-up.<br><br>3pm: Get back and have a bit of a tidy up in the flat. I haven’t had lunch so I end up picking at absolutely everything in the fridge and watching TV.<br><br>5.15pm: I make some lentil and chickpea soup that we are going to have for our tea and do another home workout. I’m not really in the mood to work out but lockdown is very boring and I can’t think of anything else to do.<br><br>7pm: Eat the soup with L. We decide to watch a film this evening so he pops out to get some movie snacks. I pick the film <em>Tag </em>and we settle in for a cosy movie night.<br><br>9.50pm: The film was absolute trash but the snacks were good. We decide to get an early night as it is back to work tomorrow.<br><br><strong>Total: £0</strong>
Day Seven

8.50am: Wake up and have a couple of the crumpets I made for breakfast. They are nice but I don’t think they were worth the effort of making them. I’ll be buying a packet from the shops next time. Watch the new Drag Race with a brew.

10.30am: Have a shower and get dressed. I’m meeting my friend C for a socially distanced walk today so I drive over to the park near her house. I’m really excited for a bit of social interaction. I’m typically a very social person so I have found it incredibly difficult having to limit this so much during the pandemic.

11am: I was planning on buying a coffee at the café in the park but arrive to find it is closed. C was very organised and checked the opening times in advance so has bought us both coffees from home in keep cups! It is so nice to see her and we have a good catch-up.

3pm: Get back and have a bit of a tidy up in the flat. I haven’t had lunch so I end up picking at absolutely everything in the fridge and watching TV.

5.15pm: I make some lentil and chickpea soup that we are going to have for our tea and do another home workout. I’m not really in the mood to work out but lockdown is very boring and I can’t think of anything else to do.

7pm: Eat the soup with L. We decide to watch a film this evening so he pops out to get some movie snacks. I pick the film Tag and we settle in for a cosy movie night.

9.50pm: The film was absolute trash but the snacks were good. We decide to get an early night as it is back to work tomorrow.

Total: £0
<strong>The Breakdown</strong><br><br>Food/Drink: £42.85<br>Entertainment: £0<br>Clothes/Beauty: £0<br>Travel: £0<br>Other: £51<br><br><strong>Total: £93.85<br></strong><br><strong>Conclusion</strong><br><br>"I think this has been fairly representative of my spending during lockdown, previously I would have spent a lot more on travel and entertainment. I normally try and save about £300-400 a month but having seen how little I spend, I think I really should try and save more, at least while we are in lockdown. It was also interesting to see how connected mine and my boyfriend’s spending is. Most of the things either of us bought this week were shared (coffee, snacks, lunches, etc.). I don’t think this is a problem necessarily but I think this has spilled over into how we manage bills and our separate savings. We save the same amount as each other each month and he pays all the bills and I have a standing order set up to pay him back at the start of the month, so I don’t really have a good understanding of what bills we pay and how much everything costs. I think relying on him to sort everything in this way is part of the reason I find money management so confusing, and it is important that I learn more about this independently."
The Breakdown

Food/Drink: £42.85
Entertainment: £0
Clothes/Beauty: £0
Travel: £0
Other: £51

Total: £93.85

Conclusion

"I think this has been fairly representative of my spending during lockdown, previously I would have spent a lot more on travel and entertainment. I normally try and save about £300-400 a month but having seen how little I spend, I think I really should try and save more, at least while we are in lockdown. It was also interesting to see how connected mine and my boyfriend’s spending is. Most of the things either of us bought this week were shared (coffee, snacks, lunches, etc.). I don’t think this is a problem necessarily but I think this has spilled over into how we manage bills and our separate savings. We save the same amount as each other each month and he pays all the bills and I have a standing order set up to pay him back at the start of the month, so I don’t really have a good understanding of what bills we pay and how much everything costs. I think relying on him to sort everything in this way is part of the reason I find money management so confusing, and it is important that I learn more about this independently."

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