Money Diary: A Chartered Surveyor On 46.7k

·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'm a 24-year-old chartered surveyor living in London. I’ve been in the same job since graduating, recently finishing the graduate scheme and gaining my membership into the Royal Institute of Chartered Surveyors. I’ve spent the past few months revising for the final interview, and now that I have passed, I am looking forward to taking advantage of everything London has to offer! I would definitely say I am a saver not a spender. My savings have come from regular saving, and minimal expenditure. I haven’t inherited any money or been given any large payouts at work. However, I am very good at putting bonuses into my savings straight away (these tend to be £500 - £1,000). In my industry, once you have reached chartership you normally move jobs, and I won’t lie, the phone hasn’t stopped ringing since I passed! There is a potential work relocation for my boyfriend and since I have always wanted to move abroad, I am going to stick where I am for the next few months and then move with him. I will start looking for new positions in that country in the coming months. I am very lucky that I won’t need to worry about a visa as my mum has enabled me to get quite a few different passports!"
 
Occupation: Chartered Surveyor
Industry: Real Estate
Age: 24
Location: London
Salary: £46,750
Paycheque Amount: £2,900
Number of housemates: Two
Pronouns: She/her

Monthly Expenses
 
Housing costs: £795 per month rent. I live in a house share with my two best friends in zone 2. We got a good deal as we signed during Covid, but we are all leaving at the end of the year and the next tenants are paying considerably more than we are now.
Loan payments: No loans.
Pension?: It currently has £5,943 in it. I pay in 3% (£150 per month), and my employer 5% (£187.50 per month). 
Savings?: I currently have about £35,000 saved in two savings accounts and a Help to Buy ISA. I put £200 a month into my ISA by standing order, £200 a month into my savings by standing order, and then transfer whatever I have left over at the end of the month into this as well.
Utilities: £100 for bills.
All other monthly payments: £42 phone bill.
Subscriptions: Spotify £10 per month, Apple iCloud £2.49 per month.

Did you participate in any form of higher education? If yes, how did you pay for it?
I have an undergraduate degree and a masters degree. My parents funded my undergraduate degree (which I will forever be grateful for) so I don't have any student loans. I know I'm extremely fortunate and this isn't the norm. As for my masters, this was required as part of my graduate scheme. My work organised this and the cost was covered 60% by my company, 40% by me, taken out of my salary and spread out during the time I was studying. I will get this 40% back if I stay at my company for another six months, however if I leave then I will have to repay the 60% my company paid.
 
Growing up, what kind of conversations did you have about money?
My siblings and I were each given debit cards when we were 16 and my parents gave us money each month to manage ourselves. I've always been quite good with money, so they kind of let me figure it out myself, helping when I asked. I was taught the importance of credit cards when I was at uni, so I now use them like debit cards and pay for everything with them, ensuring to pay them off each month of course. Because of this I have a great credit score!
 
If you have, when did you move out of your parents/guardians house?
I went to boarding school from age 16, so I haven’t really lived at home full time since then. After A-Levels I went straight to uni, and then I moved to London and started working.
 
At what age did you become financially responsible for yourself? Does anyone else cover any aspects of your financial life?
21. I started my first job out of uni a couple of months after graduating, and I have been entirely self sufficient since then. My parents have taken me on a few holidays however, and will take me for lunch when they happen to be in London. My mum recently paid £400 for me to see a specialist about my heart and I use my family’s Netflix subscription.
 
What was your first job and why did you get it?
I started babysitting aged 14, this was just for extra spending money. I worked throughout sixth form and uni holidays in various jobs (at Boots, kids activity camps, etc), again just for extra cash.
 
Do you worry about money now?
No, I don't. If anything I worry about inflation, increased cost of living, house prices, etc. I am one of those people who can sit on RightMove all day, and I know everything and anything that's selling in my area. I am desperate to own my own property, but I've come to terms that it won't happen for a long while yet. I have built up a good safety net in my savings, and I know my parents will always be there to help out should I need it.
 
Do you or have you ever received passive or inherited income?
No.

<strong>Day One</strong><br> <br>9am: I wake up at my friends house after a night out. It's her birthday today and we were celebrating last night and are a bit hungover. I sing her 'Happy Birthday' and we debrief about the night before. I leave relatively swiftly as her boyfriend will be arriving soon and I don't want to get in the way. I grab a croissant from Sainsburys, 90p.<br> <br>9.30am: I get the tube home, £1.70. I've linked my railcard to my Oyster so I get cheaper travel off-peak. I jump in the shower when I get back. <br><br>12pm: I grab some udon noodles out the cupboard and ride my bike over to my boyfriend's, hoping he'll make me some ramen.<br> <br>2pm: B makes the ramen I was hoping for. I'm hungover and he is very good at just getting on with the cooking while I vegetate on the sofa. I’m really feeling like sitting here allll day. I scoff this down and then cycle to the tube station as my friend invites me to a gig last minute and I can't say no, £1.70. <br> <br>4pm: She has VIP tickets and the area is huge and unlike any concert I have ever been to. There is a Moët stand?! We buy merch at extortionate prices but this is rumoured to be their last tour and I want the memories! £35<br> <br>6pm: I get my friend and I some drinks, he has a beer and I have a Diet Coke (hungover and work tomorrow means I am being sensible and not drinking), £8.20.<br> <br>11pm: The concert was AMAZING. I get the tube home and then ride my bike home from the station, £1.70. I only live a 5 - 10 min walk from a few tube stations (really well connected), but I've recently become paranoid about walking home alone at night, so I leave my bike there to avoid it.<br><br>11.30pm: I chat to my flatmates about the concert before going to bed. <br><br><strong>Total: </strong>£49.20
Day One

9am: I wake up at my friends house after a night out. It's her birthday today and we were celebrating last night and are a bit hungover. I sing her 'Happy Birthday' and we debrief about the night before. I leave relatively swiftly as her boyfriend will be arriving soon and I don't want to get in the way. I grab a croissant from Sainsburys, 90p.

9.30am: I get the tube home, £1.70. I've linked my railcard to my Oyster so I get cheaper travel off-peak. I jump in the shower when I get back.

12pm: I grab some udon noodles out the cupboard and ride my bike over to my boyfriend's, hoping he'll make me some ramen.

2pm: B makes the ramen I was hoping for. I'm hungover and he is very good at just getting on with the cooking while I vegetate on the sofa. I’m really feeling like sitting here allll day. I scoff this down and then cycle to the tube station as my friend invites me to a gig last minute and I can't say no, £1.70.

4pm: She has VIP tickets and the area is huge and unlike any concert I have ever been to. There is a Moët stand?! We buy merch at extortionate prices but this is rumoured to be their last tour and I want the memories! £35

6pm: I get my friend and I some drinks, he has a beer and I have a Diet Coke (hungover and work tomorrow means I am being sensible and not drinking), £8.20.

11pm: The concert was AMAZING. I get the tube home and then ride my bike home from the station, £1.70. I only live a 5 - 10 min walk from a few tube stations (really well connected), but I've recently become paranoid about walking home alone at night, so I leave my bike there to avoid it.

11.30pm: I chat to my flatmates about the concert before going to bed.

Total: £49.20
<strong>Day Two</strong><br> <br>9am: I woke up feeling totally grotty (stuffed nose, exhausted and headache). I call my boss and she tells me to take the day off. I say I'll check emails periodically and answer any calls, but she tells me to stick my out of office on and recover properly. I'm really grateful to have a supportive team. I eat some cereal for breakfast and go back to sleep.<br> <br>12pm: I go to the supermarket as I have literally no food in the house and need some soup. Lidl first for the basics (bread, vegetables, fruit, chocolate, oat milk) £8.91. and then Waitrose for some soup, pasta, olives, oat kefir, £9.30. Some of my Waitrose shop I will get back from a cash back app I use. B calls me Martin Lewis because I have so many ways to save money.<br> <br>1pm: I eat some of the nice Waitrose soup and get back into bed. I watch some Netflix and fall asleep again.<br> <br>6pm: One of my ways to make some extra cash is renting my clothes out through apps like HURR and ByRotation. I have some nice dresses that I have accumulated through the years and it's great to know they will stop someone buying something new that they will never wear again, plus the dresses start paying for themselves. I recently rented out a dress I got some good wear out of, but haven't worn in a couple of years, and it was returned completely trashed. I go to pick it up from the dry cleaners after a nap, hoping they have managed to get the stains out and they haven't. The guy I go to is lovely and can get almost anything out, but he said he used his harshest chemicals and went over it numerous times with no luck. He reckons it is oil from a car/bike. I'm annoyed and email HURR with the photos. I will get my money back for dry cleaning, and hopefully some money to cover the ruined dress, £30.<br><br>7pm: Call my mum, eat some soup and then FaceTime B, <br><br>9.30pm: Go to bed.<br> <br><strong>Total: </strong>£48.21
Day Two

9am: I woke up feeling totally grotty (stuffed nose, exhausted and headache). I call my boss and she tells me to take the day off. I say I'll check emails periodically and answer any calls, but she tells me to stick my out of office on and recover properly. I'm really grateful to have a supportive team. I eat some cereal for breakfast and go back to sleep.

12pm: I go to the supermarket as I have literally no food in the house and need some soup. Lidl first for the basics (bread, vegetables, fruit, chocolate, oat milk) £8.91. and then Waitrose for some soup, pasta, olives, oat kefir, £9.30. Some of my Waitrose shop I will get back from a cash back app I use. B calls me Martin Lewis because I have so many ways to save money.

1pm: I eat some of the nice Waitrose soup and get back into bed. I watch some Netflix and fall asleep again.

6pm: One of my ways to make some extra cash is renting my clothes out through apps like HURR and ByRotation. I have some nice dresses that I have accumulated through the years and it's great to know they will stop someone buying something new that they will never wear again, plus the dresses start paying for themselves. I recently rented out a dress I got some good wear out of, but haven't worn in a couple of years, and it was returned completely trashed. I go to pick it up from the dry cleaners after a nap, hoping they have managed to get the stains out and they haven't. The guy I go to is lovely and can get almost anything out, but he said he used his harshest chemicals and went over it numerous times with no luck. He reckons it is oil from a car/bike. I'm annoyed and email HURR with the photos. I will get my money back for dry cleaning, and hopefully some money to cover the ruined dress, £30.

7pm: Call my mum, eat some soup and then FaceTime B,

9.30pm: Go to bed.

Total: £48.21
<strong>Day Three</strong><br> <br>8am: I wake up feeling so much better so I decide to work from home and get started on everything I missed yesterday. I work in the living room and my flatmates from their bedrooms. My room is too far from the wifi for it to stretch, which I don't hate as it's nice not having to work in the same place as where I sleep.<br><br>12.30pm: I have a lunch of toast with tomatoes and olives, almost like bruschetta?<br> <br>4pm<strong>:</strong> I'm making progress catching up on emails, and take a brief hiatus to go for a quick run and wash my hair.<br> <br>6pm: I finish work as I'm cycling over to meet a friend for an early supper at Seven Dials Market in Covent Garden. Once I arrive we order bao buns and chips and pay separately, £13.<br><br>8pm: After we've eaten and updated each other on our lives (we see each other quite regularly but it's not enough!), we mooch around the shops and say our goodbyes. <br><br>8.15pm: I hop on my bike and head home. B is coming round tonight and I see him cycling ahead of me as I'm pulling into my road. He has chocolate for me and my flatmates, yay! <br><br>9pm: TV time with the flat.<br><br>10pm: Sleep.<br><br><strong>Total: </strong>£13
Day Three

8am: I wake up feeling so much better so I decide to work from home and get started on everything I missed yesterday. I work in the living room and my flatmates from their bedrooms. My room is too far from the wifi for it to stretch, which I don't hate as it's nice not having to work in the same place as where I sleep.

12.30pm: I have a lunch of toast with tomatoes and olives, almost like bruschetta?

4pm: I'm making progress catching up on emails, and take a brief hiatus to go for a quick run and wash my hair.

6pm: I finish work as I'm cycling over to meet a friend for an early supper at Seven Dials Market in Covent Garden. Once I arrive we order bao buns and chips and pay separately, £13.

8pm: After we've eaten and updated each other on our lives (we see each other quite regularly but it's not enough!), we mooch around the shops and say our goodbyes.

8.15pm: I hop on my bike and head home. B is coming round tonight and I see him cycling ahead of me as I'm pulling into my road. He has chocolate for me and my flatmates, yay!

9pm: TV time with the flat.

10pm: Sleep.

Total: £13
<strong>Day Four</strong><br> <br>9am: B leaves early for a work trip so I'll see him in a week or so (due to conflicting schedules, he's only away for a few days!). <br><br>10am: A few months ago one of my properties was sold, and so today is the 'deal celebration' (basically client entertainment). This is one of the perks of my job, and I get to do some pretty cool activities, eat in fancy restaurants, etc. I work from home for the first part of the morning and then leave to get there. I grab a snack on the way because I have recently started fainting and we won't be eating lunch for a few more hours, so I need something to keep me going.<br> <br>11.30am: I get the tube to Greenwich and meet with the client, £1.70. We are climbing the O2 dome and so have our safety briefing and get into our harnesses. The climb is way steeper than you might think, and is surprisingly bouncy. The view from the top is amazing and we sip champagne and chat about the deal.<br> <br>1.30pm: We get the tube over to the restaurant, £1.70. It is only a couple of stops and we chat on the way. All the travel I do for work is expensed, even when doing fun stuff like this.<br> <br>2pm: We have an amazing lunch; think seafood and good wine, and sit on the terrace outside afterwards enjoying the sun. <br><br>6pm: I say my goodbyes around 6pm and head home on the tube, £1.70. I am so stuffed from lunch I end up just having a Magnum ice cream for supper.<br><br>9pm: Chill out and watch some TV with my flatmates. <br> <br><strong>Total: </strong>£5.10
Day Four

9am: B leaves early for a work trip so I'll see him in a week or so (due to conflicting schedules, he's only away for a few days!).

10am: A few months ago one of my properties was sold, and so today is the 'deal celebration' (basically client entertainment). This is one of the perks of my job, and I get to do some pretty cool activities, eat in fancy restaurants, etc. I work from home for the first part of the morning and then leave to get there. I grab a snack on the way because I have recently started fainting and we won't be eating lunch for a few more hours, so I need something to keep me going.

11.30am: I get the tube to Greenwich and meet with the client, £1.70. We are climbing the O2 dome and so have our safety briefing and get into our harnesses. The climb is way steeper than you might think, and is surprisingly bouncy. The view from the top is amazing and we sip champagne and chat about the deal.

1.30pm: We get the tube over to the restaurant, £1.70. It is only a couple of stops and we chat on the way. All the travel I do for work is expensed, even when doing fun stuff like this.

2pm: We have an amazing lunch; think seafood and good wine, and sit on the terrace outside afterwards enjoying the sun.

6pm: I say my goodbyes around 6pm and head home on the tube, £1.70. I am so stuffed from lunch I end up just having a Magnum ice cream for supper.

9pm: Chill out and watch some TV with my flatmates.

Total: £5.10
<strong>Day Five</strong><br> <br>7am: I am on a site visit today, so I'm up early to get the tube to Paddington for my train, £1.70. <br> <br>8am: I meet my colleague at Paddington and we head to Pret for coffee and breakfast. I have a caramel latte and a mango sunshine bowl, £7.40. We get on the train (pre paid) and chat about her holiday, answer some emails, and prep for arriving on site.<br> <br>9.30am: We jump in a taxi as this property isn't reachable by public transport, £10. This is a health and safety inspection so we have the head of health and safety attending with us today. <br><br>9.45am: Once we arrive we chat to some of the store managers about keeping the back areas tidy, take some photos and note the work we need to instruct on. After walking around for a couple of hours we head into Costa for a drink and a debrief. I have an iced tea and my colleague pays for our drinks (he will expense this). We sit down and write up the actions resulting from this inspection. The others leave and my colleague and I stay to do a call with the client who owns this property.<br> <br>12pm: After our call, we order a taxi and head back to the train station, £11.80.<br> <br>12.30pm: We grab some lunch from M&S at the station. I have a smoked salmon salad, crisps and some melon, £8.85. We go and sit on the platform to eat while we wait. As our train is pulling off I see my old flatmate on the platform! I give him a ring, we laugh about the coincidence and have a good catch up.<br><br>2pm: I say goodbye to my colleague as she is going on leave for a week. I am her line manager and she tells me she will be online to do her masters work whilst she is away. I used to say the same to my line manager when I was in her position, and was always told not to look at work emails whilst on leave. I tell her the same thing as she works so hard and needs to switch off! I hop on the tube home and then work into the evening, £3.20.<br><br>9pm: I make some dinner (pesto pasta) and it's back on the sofa for more TV time. Whilst watching I paint my toenails and iron my dress for tomorrow.<br><br><strong>Total: </strong>£42.95
Day Five

7am: I am on a site visit today, so I'm up early to get the tube to Paddington for my train, £1.70.

8am: I meet my colleague at Paddington and we head to Pret for coffee and breakfast. I have a caramel latte and a mango sunshine bowl, £7.40. We get on the train (pre paid) and chat about her holiday, answer some emails, and prep for arriving on site.

9.30am: We jump in a taxi as this property isn't reachable by public transport, £10. This is a health and safety inspection so we have the head of health and safety attending with us today.

9.45am: Once we arrive we chat to some of the store managers about keeping the back areas tidy, take some photos and note the work we need to instruct on. After walking around for a couple of hours we head into Costa for a drink and a debrief. I have an iced tea and my colleague pays for our drinks (he will expense this). We sit down and write up the actions resulting from this inspection. The others leave and my colleague and I stay to do a call with the client who owns this property.

12pm: After our call, we order a taxi and head back to the train station, £11.80.

12.30pm: We grab some lunch from M&S at the station. I have a smoked salmon salad, crisps and some melon, £8.85. We go and sit on the platform to eat while we wait. As our train is pulling off I see my old flatmate on the platform! I give him a ring, we laugh about the coincidence and have a good catch up.

2pm: I say goodbye to my colleague as she is going on leave for a week. I am her line manager and she tells me she will be online to do her masters work whilst she is away. I used to say the same to my line manager when I was in her position, and was always told not to look at work emails whilst on leave. I tell her the same thing as she works so hard and needs to switch off! I hop on the tube home and then work into the evening, £3.20.

9pm: I make some dinner (pesto pasta) and it's back on the sofa for more TV time. Whilst watching I paint my toenails and iron my dress for tomorrow.

Total: £42.95
<strong>Day Six</strong><br> <br>8am: I wake up early-ish and have some cereal. I get cracking on emails and then get changed. Today is more client entertaining at the races. <br><br>11am: I leave the house and jump on the tube to get to Waterloo for my train, £1.70. No one from our London office is going, so my colleagues are coming from all over the country.<br> <br>11am: I buy some plasters at Waterloo, £1.35. My shoes are pretty comfy but one bit is rubbing slightly and I'd rather prevent a blister!<br><br>1pm: I meet my colleagues and we head over to the race course. The races are all day and one of my clients is riding in the final race. We place bets over the course of the day and one of my colleagues seems to be great at picking winners! I have a couple of gin and tonics (paid for by more senior colleagues who will expense) and chat with my clients on the terrace, which is beautiful. <br><br>4pm: We realise it is 4pm and suddenly all get extremely hungry for lunch. I have a falafel bowl with beetroot hummus and veg, which totally hits the spot! £8.50.<br> <br>7pm: We watch my client riding in the final race and then I dash to the station with a colleague for my train. After the journey I get the tube home, £1.70.<br><br>9pm: Chill on the sofa with ice lollies and watch TV. <br> <br><strong>Total: </strong>£13.25
Day Six

8am: I wake up early-ish and have some cereal. I get cracking on emails and then get changed. Today is more client entertaining at the races.

11am: I leave the house and jump on the tube to get to Waterloo for my train, £1.70. No one from our London office is going, so my colleagues are coming from all over the country.

11am: I buy some plasters at Waterloo, £1.35. My shoes are pretty comfy but one bit is rubbing slightly and I'd rather prevent a blister!

1pm: I meet my colleagues and we head over to the race course. The races are all day and one of my clients is riding in the final race. We place bets over the course of the day and one of my colleagues seems to be great at picking winners! I have a couple of gin and tonics (paid for by more senior colleagues who will expense) and chat with my clients on the terrace, which is beautiful.

4pm: We realise it is 4pm and suddenly all get extremely hungry for lunch. I have a falafel bowl with beetroot hummus and veg, which totally hits the spot! £8.50.

7pm: We watch my client riding in the final race and then I dash to the station with a colleague for my train. After the journey I get the tube home, £1.70.

9pm: Chill on the sofa with ice lollies and watch TV.

Total: £13.25
<strong>Day Seven</strong><br> <br>9am: I get up early and call my dad. He has COVID at the moment and we are supposed to be going to see my granny tomorrow so he can no longer come. I text my cousin who will pick me up from the station instead and send him some train times. I buy a return ticket and make a bowl of cereal, £41.44.<br> <br>I get the tube to Walthamstow Central, £1.70. Today I'm walking the Victoria line with two of my best friends - bit random but we thought it would be a fun thing to do! I have a feeling we won't be getting to Brixton... It is 15 miles! <br> <br>12.30pm: We have been walking for approx 10 minutes and make our first stop for coffee, £3.55. I have an iced latte and my friends have cheese toasties. We are going to take a photo at every station, but forgot at Walthamstow. Great start.<br> <br>2pm: We drop into a few charity shops around Finsbury Park and I find a skirt I like. It is yellow and has embroidered lemons on. I will happily pay £5 for it and it goes to charity – win win.<br> <br>2.30pm: We have another pitstop and I have a smoked salmon bagel for lunch, £4.80. As my friends had toasties earlier, one has some banana bread and the other a Diet Coke. We continue on – next stop Highbury & Islington.<br><br>5pm: We arrive at Kings Cross, but as it is already 5pm we accept we are never going to make it to Brixton. We sack off the rest of the walk and decide we'll complete the other half another time. <br><br>5.30pm: Wasabi is doing half price sushi as they are about to close. I have some mixed maki for £3.05 and my friend has a katsu curry and the other has a burger from Leon. We sit in the park and chat about how great the landscaping is. We then head to Waitrose – via & Other Stories – for some tinnies and go to sit by the canal, £2. We sip our drinks and chat for a few hours.<br><br>7pm: I head back to buy some sunglasses I spied in & Other Stories. They give you 10% off when you sign up to their newsletter, so I do so and then quickly unsubscribe. I hate marketing emails, £20.70<br><br>8pm: I wish the girls luck on their flat hunt and I get the tube home, £1.70. I am sure I'll be on RightMove and sending them listings again tomorrow. It turns out we have done over 25,000 steps today!<br><br>8.30pm: I stop off at Tesco on the way home and pick up some ice cream, £2.20. <br><br>8.45pm: I get home and my flatmate has some friends round. We eat and make a Facebook event for the house party we are having soon. I come up with a witty name for the event and draft a description to make people giggle. We continue chatting for a while and I text my cousin to make a plan for tomorrow. I head to bed as I need to be at Paddington pretty early.<br><br><strong>Total: </strong>£86.14
Day Seven

9am: I get up early and call my dad. He has COVID at the moment and we are supposed to be going to see my granny tomorrow so he can no longer come. I text my cousin who will pick me up from the station instead and send him some train times. I buy a return ticket and make a bowl of cereal, £41.44.

I get the tube to Walthamstow Central, £1.70. Today I'm walking the Victoria line with two of my best friends - bit random but we thought it would be a fun thing to do! I have a feeling we won't be getting to Brixton... It is 15 miles!

12.30pm: We have been walking for approx 10 minutes and make our first stop for coffee, £3.55. I have an iced latte and my friends have cheese toasties. We are going to take a photo at every station, but forgot at Walthamstow. Great start.

2pm: We drop into a few charity shops around Finsbury Park and I find a skirt I like. It is yellow and has embroidered lemons on. I will happily pay £5 for it and it goes to charity – win win.

2.30pm: We have another pitstop and I have a smoked salmon bagel for lunch, £4.80. As my friends had toasties earlier, one has some banana bread and the other a Diet Coke. We continue on – next stop Highbury & Islington.

5pm: We arrive at Kings Cross, but as it is already 5pm we accept we are never going to make it to Brixton. We sack off the rest of the walk and decide we'll complete the other half another time.

5.30pm: Wasabi is doing half price sushi as they are about to close. I have some mixed maki for £3.05 and my friend has a katsu curry and the other has a burger from Leon. We sit in the park and chat about how great the landscaping is. We then head to Waitrose – via & Other Stories – for some tinnies and go to sit by the canal, £2. We sip our drinks and chat for a few hours.

7pm: I head back to buy some sunglasses I spied in & Other Stories. They give you 10% off when you sign up to their newsletter, so I do so and then quickly unsubscribe. I hate marketing emails, £20.70

8pm: I wish the girls luck on their flat hunt and I get the tube home, £1.70. I am sure I'll be on RightMove and sending them listings again tomorrow. It turns out we have done over 25,000 steps today!

8.30pm: I stop off at Tesco on the way home and pick up some ice cream, £2.20.

8.45pm: I get home and my flatmate has some friends round. We eat and make a Facebook event for the house party we are having soon. I come up with a witty name for the event and draft a description to make people giggle. We continue chatting for a while and I text my cousin to make a plan for tomorrow. I head to bed as I need to be at Paddington pretty early.

Total: £86.14
<strong>The Breakdown</strong><br><br>Food & Drink: £80.66<br>Entertainment: £0<br>Clothes & Beauty: £60.70<br>Home & Health: £1.35<br>Travel: £85.14<br>Other: £30<br> <br><strong>Total: £257.85</strong><br> <br><strong>Conclusion</strong><br><br><strong>"</strong>It was really interesting tracking what I spent this week! I don’t usually track my spending at all apart from checking over my credit card statements each month. I had more work events than a usual week, and worked from home more than usual (due to sickness), whereas in a normal week I would be in the office or on site more. Other than that I feel like I have a nice balance of fun and spending, especially considering quite a lot of my total spend is expenses."
The Breakdown

Food & Drink: £80.66
Entertainment: £0
Clothes & Beauty: £60.70
Home & Health: £1.35
Travel: £85.14
Other: £30

Total: £257.85

Conclusion

"It was really interesting tracking what I spent this week! I don’t usually track my spending at all apart from checking over my credit card statements each month. I had more work events than a usual week, and worked from home more than usual (due to sickness), whereas in a normal week I would be in the office or on site more. Other than that I feel like I have a nice balance of fun and spending, especially considering quite a lot of my total spend is expenses."

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