I'm trying REALLY hard to save and keep to a seriously tight budget, with the aim of getting a deposit for my own home together. But sometimes it feels like an impossible task and I just want to give up and go for a nice dinner or buy some new clothes!
I had a bad month last month. I'd saved hard in September and then October payday came and I got excited at the idea of having money again and blew a big chunk of my disposable income over a weekend.
The big mistake I made was to stop writing down everything I spent (a new trick I learnt from Allen Car's book: Get Out of Debt Now: The Easy Way). When I stopped writing down my spending it enabled me almost forget I was spending real money - bad move! I avoided thinking about how much everything was going to add up to and just went ahead and splurged.
But then afterwards, I kicked myself when I worked out what I'd spent over a weekend. I'd being doing so well and one moment of weakness had cost me. It also meant I really had to pull my belt in the rest of the month, which meant no money for socialising what-so-ever. DULL.
Anyway I'm back on the wagon now and thankfully payday is just round the corner again. In preparation for the big drop (in my bank) I'm taking some time to refocus on why I'm saving and remind myself:
What I want in the short-term isn't worth what I can have in the long term!
I'm planning to buy a studio or 1 bedroom flat with the government's 'help to buy scheme', and I've started looking at decor ideas to help keep me motivated! I really enjoyed doing this today and when I reach my goal it'll all be SO worth it because I'll be able to put my own creative stamp on the place. Because my place is likely to be itsy-bitsy it's going to require some very clever storage solutions! Luckily I've found loads of great ideas through Pinterest, take a look:
10 great space-saving ideas:
- Fold-out kitchen table
- Muslin curtain veils to separate bedroom from living space
- Raised platform for a bed (and underneath storage drawers)
- Lift-able kitchen work-tops (beneath which a sink and hob are neatly hidden)
- Spiral staircase up to a mezzanine sleeping area
- Sliding cavity door to a bathroom
- Decorative/glass wall partition (to create the allusion of space and allow more light)
- Double up a bookcase as a wall divider (nice cheap alternative to glass wall partitions)
- Hang clothing on a rail, instead of buying a closet (this will work best if clothes are pretty and colourful!
- Breakfast bar that doubles as a work-top in a kitchen