Tag: healthy finance

Money Free March… How did I do?

~ Lacey ~ 3 Comments

This is almost a week later than planned… Oops!

Many of you have been asking me how Money Free March went. I wanted to write halfway through the month, but a lot has been going on and I feel like I have barely stopped! I didn’t have much time to sit down and calculate my savings, but I can happily say that I saw a significant impact by the end of Money Free March.

There were a lot of obstacles during Money Free March

I will be honest. I tried to be as prepared as possible during Money Free March, but there were so many unexpected obstacles that interrupted my plans. As a blogger, I go to a number of events, but there were many where we were expected to eat, only to find that there were mostly a few nibbles that wouldn’t fill a person.

Too many times did I have to buy food afterward to avoid feeling queasy on the bus home. I was sensible, however, and opted for what was cheaper, though I will admit that didn’t always mean healthy.

My habits dropped dramatically

In the first week of Money Free March, all I wanted to do was spend. I felt the need to keep myself indoors as much as I could at the weekend to avoid nipping to Primark for this that and the other. I also had two moments of weakness where I felt the need to buy a coffee on my way to work and I caved. However, two coffees in a month as opposed to my usual… thousand? Definitely an improvement.

The only times I really left the house was if I had plans with people or if I were going away for the weekend. When Money Free March was over, I had a new mindset on shopping. I can now stop and ask myself if I truly need it, and if not then I can walk away without thinking I’m lost without it.

I’m glad I put money aside for certain activities

I don’t know about you, but I’m the kind of person who can’t do nothing. Money Free March came with a lot of prearrangements, and I’m so glad they were, or I would have gone insane. I’m also glad that I put a budget together in order to do these activities. Keeping within budget meant that I wouldn’t go overboard, but I could still enjoy myself.

I don’t think that saving money means you should stay in all the time until you have reached your goal. I also spent days at my friend’s house, sharing a bottle of wine and simply relaxing. I didn’t get as crafty as I had planned, but that’s due to having a busier schedule than expected.

Money Free March certainly paid off

As mentioned, I didn’t get time to calculate as I went on, but I can happily say that there wasn’t a day where I felt worried about how much was in my bank and the only times I checked my balance was to see if any necessary payments had gone through.

By the end of the Money Free March, I had enough saved to finally purchase a new laptop, something I have been needing for two years. I even have some left over, but I have moved it into a savings account for a rainy day.

So, what did I learn by the end of Money Free March?

Saving money is hard, but it’s certainly not impossible. The biggest thing you need to change is your view on what you really need to buy. I also think that to constantly remind yourself of what your savings can or will go towards, then you’re more likely to stick to the plan.

What advice would I give for saving money?

So here’s a breakdown of things to consider

  • Think of what you have planned for the month – put a budget together
  • Avoid hitting the shops at all costs, and uninstall any shopping apps on your phone
  • Have an emergency cash stash for any unexpected bills – you never know what could happen
  • Make time for meal prep – don’t forget to include snacks for potential emergencies

I would love to know if you tried Money Free March, or perhaps you’re going to try Money Free May instead?

LaceyFitspo xx

 

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Money Free March… and Another Day with GiffGaff Game plan

~ Lacey ~ 5 Comments

I didn’t think I would be writing another blog post about GiffGaff, but I’m really glad to be doing so. Last weekend I joined them at the Principle in Manchester for a day of all things frugal, followed by an in depth break down of their new Game plan service. Though I learned a fair bit from them before, this taught me more about my own finances and improving my credit score. I decided that it would be a good idea to use this information and take on the challenge of Money Free March, but I will go into more detail on that later.

The day was filled with activities based around being thrifty, from a cooking workshop to finger knitting, it put so many ideas in my head of ways I could be saving money. I already have a natural knack for cooking, but I have so much inspiration for getting crafty this month in order to leave more money in my pocket!

I really did enjoy the finger knitting. We all made what was either worn as headbands or necklaces, and of course I opted for pink. It gave me a great idea for my old bath towels that are falling apart, so I’m gonna have a fair few days of crafting planned.

So I went away from the event with a bit of a plan in place. I wanted to see if I could spend as little as possible throughout March. I first of all decided to sign up with GiffGaff Game Plan to check my credit score, which is apparently not doing to great. Money Free March is going to be my starting point to get some money put aside before I start building up my credit history. I also figured that by doing this in March and giving you guys feedback throughout, it will help any of you who are considering doing this yourselves, perhaps a Money Free May.

The Challenge

If I want to do Money Free March properly, I need to establish some rules. Though I have had a fair bit of experience with surviving days with next to no money, I don’t want to make my month so difficult I can’t enjoy myself. So here’s what I’m working with.

Prior Commitments

The first thing to address is that before I decided to start Monday Free March, I agreed to do a few things this month that involved spending, so I have purposely put a budget aside for those things in February so it doesn’t affect my plan. I’m still going to spend less than I originally wanted, but at least I won’t have to cancel.

Keep it healthy

My blog is based on healthy living, so it wouldn’t be right to buy any food simply because it’s cheap. If anything, this challenge should encourage me to eat more fresh fruit and vegetables.

Nights in and Free Days Out

As mentioned, I want to get crafty for Money Free March, so instead of going out for dinner or drinks, I’ll be hosting a few nights in. A lot of this will revolve around crafting and cooking, but I will also host a few movie nights as well. On top of this, I have compiled a list of free days out so Larry and I can go on dates, or I can simply head out with friends.

Exercise

The one thing I will still be paying for is Zumba, because after all, it’s only £1 a week. I’m going to hold off on paying for pole classes, but I’ll continue to train with my friends for free. I will also be trying out YouTube channels and break down my favourites for you guys to try.

Freezer Food

So I’ll be cooking in bulk, but I already have food that I have stored in the freezer. Though I could have made a plan to eat everything before starting this challenge, I realised that’s a lot of food to get through. Instead I’ll take note of freezer food days.

Limit the Food Shop

Finally, the way I shop will be different. I am refusing to buy any more food until the kitchen is pretty much empty. I have more than enough for a few weeks, but it always seems difficult to put something together when you’re getting towards the end. I’m just gonna have to take that challenge if I want to save as much as I can.

Keep a diary

Hallways through Money Free March, I will be posting an update on how I have done with keeping my spends to an absolute minimum, and what I’ve been getting up to to keep myself away from any financial temptation.

I hope you’re all excited to see how well I do. If you’re trying Money Free March as well, let me know how you get on!

LaceyFitspo xx

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