[vc_row][vc_column][vc_column_text]Welcome to Money Diaries, a series where one of our readers shares a week inside the life of their bank account.

 

Inspired by the Money Diaries of Refinery29, we’ve introduced our own local version. These money diaries, submitted by our readers will track a week’s worth of expenses along with lessons, explanations and often money tips. They’re fun to read, giving you a fly on the wall feeling. But more so open a conversation on money, spending and our habits and relationships with what Yuval Noah Harari calls “the most universal and most efficient system of mutual trust ever devised.”[/vc_column_text][vc_empty_space height=”16px”][/vc_column][/vc_row][vc_row][vc_column css=”.vc_custom_1574602979820{background-color: #caf9dd !important;border-radius: 2px !important;}”][vc_empty_space height=”16px”][vc_column_text]

Name: @dumbbellsndelights

Age: 34

Occupation: Administrative assistant

Gender: Female

The best money lesson I’ve learned: Money gives you freedom to do the things you only imagined. The knowledge of your money removes stress and anxiety. It also aligns your mindset to your dream life and gives you the power to manifest your desires.

What did you learn after doing the money diary? I learnt that I’m not as savvy with my money as I thought. I’m inconsistent with my budget and list making. I do however allow for unexpected spending by allocating some of my budget to miscellaneous. I also tend to talk myself out of buying stuff.

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Day 1: *Monday *

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It’s the week after pay day. I’ve already prepared my budget, as I do every month on the 24th – the day before pay day. This helps me stay on top of finances and to have enough time to compile a list of things I need based on the previous month’s spending.

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I transfer funds from my cheque account to my credit card. I use my credit for most purchases as this gets me more eBucks. I buy meat, bananas and Portuguese egg tarts, which I’ve been obsessed with since i had them in Macau last year. This is my first treat of the week.

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GroceriesR63.40
Total Spend for the dayR63.40

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Day 2: *Tuesday *

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My automated savings go out.

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Part of my savings are for car repairs (I like to be prepared).

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Savings: car repairsR500
Savings: I’m saving for something big.R1000
My mom’s DSTV subscriptionR390
Total Spend for the dayR1890

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Day 3: *Wednesday *

” loop=”1″ thb_animated_color=”#91f9b4″][vc_empty_space][vc_column_text]I get my car washed outside for only R25. He’s not good with the windows which I discover when I get home and am facing the sun.

 

I get my hair washed and get an oil treatment for R150.

 

I’ve been needing a Handbag for months. I found one I like a week ago after some intentional searching. I also get a phone pouch and pick out some of the same hair bands my stylist used as elastic bands are bad for natural hair. I spend R557.99.[/vc_column_text][vc_empty_space height=”16px”][thb_stroketype slide_text=”#E-8_JTNDaDIlM0UlMjJSZXNpc3QlMjAyJTIwZm9yJTIwLi4uJTIwc3BlY2lhbHMlMjB3aGVuJTIweW91JUUyJTgwJTk5cmUlMjBvbmx5JTIwbG9va2luZyUyMGZvciUyMDElMjB0aGluZy4lMjIlMjAlM0MlMkZoMiUzRQ==” stroke_width=”1px” thb_color=”#000000″][vc_empty_space height=”24px”][vc_column_text]

[While I’m at it], I go to Lovisa and buy a set of Clip-on earrings for R160. I resist the special of 2 for R240.

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ChipsR10
Car washR25
Hair wash and treatmentR150
Hand bag, phone pouch and hair bandsR557.99
EarringsR160
Total Spend for the dayR902.99

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Day 4: *Thursday *

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I go to Dischem after work. I have a list which I compiled last week to ensure I don’t forget anything. I’ve set a budget of R600 and only end up spending R 505.85. I’m happy with myself until I realise, I didn’t buy the magnetic eyelashes on my list and; I bought sanitary pads (which came with free feminine wipes) and wet wipes that were not on the list.

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I make a mental note to be more thorough with my list making.

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Dischem ShopR63.40
Total Spend for the dayR505.85

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Day 5: *Friday *

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My Allan Gray Unit Trust debit order of R1500 goes off as scheduled.

I pay R200 for ice cream which seems expensive, but I bought three boxes with 30 pieces in each box. It’s for a party I’m planning, and I’m impressed with myself – it will be a welcome treat at the party with the heat.

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I feel too tired to cook, so get in the car and head to Chicken Licken but traffic is a nightmare, so I end up at McDonalds and end up spending R149.30 for 3 meals putting me R49.30 over budget.

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Unit Trust Debit orderR1500
Ice Cream for a partyR200
3 Meals @ McDonaldsR149.30
Total Spend for the dayR1849.30

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Day 6: *Saturday *

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My sister and I buy groceries and split the bill. My share is R599.22 and I will have to buy anything missing on the list.

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GroceriesR599.22
Total Spend for the dayR599.22

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Day 7: *Sunday *

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I spend R 300.01 for fuel. It used to get me close to a full tank, but now it’s a little over half a tank.

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FuelR300.01
Total Spend for the dayR300.01

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The Breakdown

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Food/DrinkR1021.92
EntertainmentR390
AccessoriesR717.99
BeautyR655.85
TravelR325.01
SavingsR3000
Total Spend for the weekR6110.77

[/vc_column_text][vc_empty_space height=”40px”][vc_column_text]To share your money diary email us at info@nutreats.co.za with the subject line: Money Diary[/vc_column_text][/vc_column][/vc_row]

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