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  1. pinkiebag

    Hi, thanks for sharing these helpful tips budgeting for the whole year is a must and not just in the short term. I find breaking it into categories also helps me.

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  2. Corinne and Kirsty

    I have just moved into a new flat in london so I am quite dry on money just now but I know I need to save for the future! for a future deposit and then for a mortgage! xx corinne

  3. Abbey Louisa Rose (@abbeylouisarose)

    This post is absolutely packed with golden tips and good advice, I was actually talking to a friend earlier about saving strategies (it’s her new years resolution to boost her bank account), so I will definitely be linking her to this for new ideas! Creating separate accounts is something that’s worked wonders for me as it prevents me from over-spending from the account which I use with my debit card and tracking exactly how much I’m putting away. I am currently aiming to save £200 per month and it has worked for the past few months so fingers crossed that will continue in 2018! Investing in yourself is brilliant advice too – I am currently investing a little in upgrading my blog which will hopefully pay dividends in the form of companies wanting to work with me! Fingers crossed, eh? Thanks again for a hugely informative post!

    Abbey x

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      thecurlyspirit

      I’m so glad you enjoyed it! The separate account tip is a must in my opinion. I’m pretty good with money and I don’t spend much, but even for me that changed the game completely!
      £200 a month sounds really good, it’s not too high that you risk missing out on life and not too low that you end saving nothing. I’d say it’s the right amount for sure.
      I’m doing the same in terms of investing. Although I’ve only just started, I can already see that it’s a good investment even just on psychological level and I hope it will turn into something more tangible too.
      Fingers crossed and thanks to you for such a nice and rich comment!

      Sil x

  4. Lena Dee

    This isn’t jammed packed with a lot of great tips, like seriously this is great. It’s soooo hard to save money sometimes especially when emergencies come up or basically when your taste is bigger than your wallet lol. I’m trying to save for school so I def has to bare these in mind 😩😩

    xx Lena | https://lenadeexo.com

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      thecurlyspirit

      So glad you found it useful! It’s definitely hard to save and I wish you the best of luck!

      Sil x

  5. jennyinneverland

    I’m really good with money. Thankfully I’m not in a position where I have to spend loads on bills etc at the moment which I’m grateful for but honestly, I don’t buy anything for myself, ever and I save religiously x

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  6. Anne Mutisya

    I used to work in banking and I can tell you, this is a well written piece. You cover many good points and basics that people should know! I feel like you could even just do a post on some of these major points for those who are not familiar with these terminology. Good job girly!

    1. thecurlyspirit

      Ah thanks so much Anne! It’s so nice to hear from someone who’s worked in the field.
      I will think about writing in more detail about some of these points, good shout!

      Thanks so much again

      Sil x

  7. Ana De-Jesus

    I completely agree! I find it stressful to think about money and part of my issue is that I am often not earning enough and I worry about all the expenses that I have to pay out for. I like the idea of making a budget and sticking to it, currently what I do is keep track of all my expenses but it would be a good idea to work out a budget!
    https://fadedspring.co.uk/

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      thecurlyspirit

      I know exactly what you mean! It’s stressful not having enough money, but even if you don’t have a steady income and a bank account that’s loaded, trust me that budgeting will make a HUGE difference!

      Sil x

  8. The Break of Dawns

    First of all, I LOVE your site! Second, this post was great and really speaks to me because I am the worst at budgeting. Since I started working at 14, money just burns a hole straight through my pocket. I’m really trying to get better at that though because, like you said, financial stability actually affects our stress levels and for me, my mental health. I feel really vulnerable without knowing I can go to my bank account if I need money on a whim. This was a great post, keep it up!

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      thecurlyspirit

      Financial stability is so important for mental health and being happy in general! I hope this post can be useful if you really decide to start budgeting. You don’t have to save hundreds necessarily, but doing this really helps you keeping track of those expenses so there’s no hole in your pocket anymore! (:

      Thanks so much!

      Sil x

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      thecurlyspirit

      I’m so glad you found it useful! Let me know if you end up saving withe these tips 🤗

      Sil x

  9. Kathryn Watts

    What a great post! You are SO right about money being stressful – it’s probably at the root of most peoples stress, whether it’s work related or home life related. I know I certainly get stressed about finance from time to time! I sometimes struggle with prioritising/justifying my spending, and some of your tips will be so useful for me going forward 🙂

    I’m looking forward to reading the rest of your posts!

    Kat x

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      thecurlyspirit

      I’m so glad you found this useful! I honestly think financial stability is the #1 when it comes to wellbeing. No need to be rich, but to be able to live a stable life unfortunately you do need a bit of money!

      Thanks for taking the time to comment!

      Sil x

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  10. Pingback: How I survived an entire month with only £100! – The Curly Spirit

  11. Crystal

    Great ideas! Having visuals and reminding ourselves of our plans helps to keep us on track. I keep myself motivated by reading things that are about debt and saving money too.

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