Money Management

Like most twenty-one year olds, I’m amazing at accidentally spending all my money by the end of pay day on things that I most probably didn’t need. I’ve looked at many different ways to try keep track of my money and I just never seem to be able to do it.

When I was in Italy, my boyfriends aunt mentioned her daughter has a spreadsheet that she tracks everything in. So when I got home, I looked for a tutorial on how to make a financial spreadsheet and I found a video from The Financial Diet on YouTube giving a step-by-step guide to making one.

I first set it up on Excel, however I moved it over to Google Docs because it made more sense to then be able to access it on my phone and iPad etc. So far it works amazingly! It calculates all my incomings (my wage varies month to month) and from there it works out how much I can put into my savings. I’ve done it to calculate 20% of my incomings for savings but you can adjust it as you want. You can then put in all of your expenses for the month such as petrol, spending money etc and it will total all of that up for you. The best bit for me is that it deducts your expenses from your incomings and tells you how much money you should have left over after that. This is the best bit for me because then I know what to expect in my bank at the end of the month and hopefully won’t go under.

So far this has been working really well for me and hopefully will keep me in line. I’m hoping to tick some goals off my list next year and need to start saving now to do it!

 

Glitter Jars

Anxiety is a thing I have had for a few years now, and social anxiety is what gets me the most. A lot of people don’t realise this about me because I can be very loud and outgoing when I get to know people, but I often become very shy and timid, not wanting to overstep boundaries and have people hate me. I wanted to find something that could help with my anxiety at home to hopefully ease it more when I go into social situations, and I came across glitter jars. I love these and find them really helpful, especially around exam time where I’m at my most stressed, so I thought I’d share how I made mine.

Things you need:

  • A jar or bottle (I’d go for a medium size, around 500ml)
  • Glitter glue in your colour of choice
  • Clear glue (not PVA or something that dries clear, it needs to be clear when wet)
  • Glitter in your colour of choice
  • Something to stir
  • Hot water (if using a bottle warm water will probably be best to avoid the bottle melting)

To Do:

  • Boil or warm up some water, and pour it into your jar or bottle to about half way
  • Squeeze in all of your glitter glue and stir it. This can take a little while but just stir until the glitter glue breaks up
  • Add in glitter of your choice (I added a colour and some white glitter to give it more sparkle). Stir the glitter right away to stop it clumping up
  • Once you’ve added your desired amount of glitter, put in some clear glue. This slows the speed of the glitter falling so if you want the glitter to take longer to settle, add more glue
  • Fill the rest of the jar or bottle up to the top with water. Then put the lid on. If making this for a younger child, I’d suggest super gluing the lid on
  • Shake away and watch the glitter!

Here are some pictures of mine