Money Diary: A 35-Year-Old Student Social Worker On 26k

·20 min read

Welcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking a cross-section of women how they spend their hard-earned money during a seven-day period – and we're tracking every last penny.

This week: "I am a 35-year-old social work apprenticeship student. I work full time and study at the same time. I am now in my third year and getting ready for my final placement. I live in Derby, which is where I grew up. I’ve never been great with money or savings or living within a budget. It worked when I lived with my parents but now I actually have to budget and pay my rent and bills I'm definitely learning quickly that I can’t just buy what I want. I’m hoping that when I qualify I will have a higher salary. Although it seems whenever my pay increases, so does the cost of living."

Occupation: Student social worker
Industry: Social care
Age: 35
Location: Derby
Salary: £25,999
Paycheque amount: £1,644
Number of housemates: One: my sister, M
Pronouns: She/her

Monthly Expenses

Housing costs: £400 for my half of the rent.
Loan payments: £45 student loans, £25 overdraft payment.
Savings? Working on this but not going well at present.
Pension? I pay £140.78 into my work pension each month.
Utilities: Council tax £88.50, internet £15.50, gas and electric £75, TV licence £6.60, home insurance £8.99 (this is my half of the bills, which I split equally with my sister).
All other monthly payments: Phone bill £52.73, Union membership £17.25, car insurance £23.17, car finance payment £127.50. Subscriptions: Spotify £5.99, contact lenses £13, Google storage £1.59.

Did you participate in any form of higher education? If yes, how did you pay for it?

Coming from an Asian background, there was an expectation for me to go to university (though I'm mindful these expectations may have changed now). I took a year out then I got a degree in criminology and popular culture and media. I didn’t have to pay any tuition fees as my mum and stepdad’s income was below the threshold. I did get the maintenance loan, which helped, and which I am still paying for now. Finishing university and trying to find a job was really hard so I worked for the benefits agency and then got a place on the MA course for social work. I ended up being removed from the course as I was 1% off the mark needed (I've finally stopped crying over this). I got a bursary, meaning I didn’t have to take any loans out, which I was thankful about. Now I am doing the apprenticeship route into social work and I am on my third year. I don’t have to pay for it as my employer covers all the costs and I get paid a wage while I study.

Growing up, what kind of conversations did you have about money?

Both my parents told me to save from a young age. They continue with this advice now but they never taught me any of the practicalities of how to manage money or how to budget. I have definitely had to learn this the hard way, like a lot of life lessons.

If you have, when did you move out of your parents'/guardians' house?


I left at 21 and then came back at 27. I moved back out when I was 34.

At what age did you become financially responsible for yourself? Does anyone else cover any aspects of your financial life?

I was financially independent in the years I moved out. When I was back living with my parents I was financially responsible but I recognise that they were paying the bulk of the bills. When the pandemic started, me and my sister had to help my stepdad as he was furloughed. I am currently financially independent.

What was your first job and why did you get it?

I got my first job at 16, working in Wilkinson’s as a weekend staff member. I was there part-time for about five or six years. I got the job 'cause my dad kept telling me to. I may have got the job to get an easier life!

Do you worry about money now?

I can do but when I budget it helps this a lot. I’m not the best at budgeting so this is an area I need to work on.

Do you or have you ever received passive or inherited income?

No.

<strong>Day One</strong><br> <br>7am: Wake up still dealing with a migraine. Wash my face, get dressed and put on some makeup so I don’t look as ill. Listen to a sermon as I am getting ready (this always helps me get focused for a day). Have some breakfast.<br> <br>8am: Leave a few minutes late but should get to work on time. Car is super icy so have to find some de-icer. Luckily I have some in the boot. I didn’t really factor this in, it’s taking time.<br> <br>11.30am: Stop for a mini break and have some fruit and water to keep my fluids up. I spent the morning cleaning my locker, as I hadn't cleared it out since before the pandemic started. I answer some emails and check in on a care home which said that they are having to take precautions because of a COVID breakout. Definitely reminds me how difficult it is out there for social care, keeping vulnerable people safe in the midst of the pressure of the pandemic.<br> <br>12.30pm: My sister is in town and gets me a strawberry and vanilla oat latte. I think she feels bad for me as I feel so ill, even though she is still getting over COVID herself. Spend lunch having a conversation with my colleagues about pronouns, gender equality, gender fluidity. Discuss the need to be aware of the differences so that we can support the service users that we help.<br> <br>2pm: Starting to feel unwell so have some cheese and crackers, Mini Cheddars and pistachios. A strange lunch I know but if I have the same thing, I am likely to not eat it and then spend money on lunch. I offer my help to some colleagues who are struggling and we have a quick catch-up on teams. <br><br>5pm: Finish work. Spent the afternoon dealing with a few enquiries including one about a carer's assessment for a family member. I'm back with my old team temporarily until my next placement, which is quite an adjustment after spending time away. I ask to be included in the training sessions next week. <br><br>6pm: Back home. Jump into the shower as it's been a long day. I was meant to go to my cousin's house but I'm too tired and feeling ill (LFT was clear). He agrees to come over instead.<br><br>9pm: Order some food and catch up with my cousin while giving him his Christmas presents super late. Our KFC arrives (Zinger burger, fries and gravy). £10 for my share. <br><br>10.30pm: Catch up on <em>Gogglebox </em>and <em>Graham Norton</em>. We also watch some Jimmy Fallon videos (the story with Nicole Kidman always makes me laugh) before sharing some brownies that my sister picked up for dessert.<br><br>11.30pm: Wash my face and brush my teeth. Listen to some music and read my bible before I fall asleep.<br><br><strong>Total:</strong> <strong>£10</strong>
Day One

7am: Wake up still dealing with a migraine. Wash my face, get dressed and put on some makeup so I don’t look as ill. Listen to a sermon as I am getting ready (this always helps me get focused for a day). Have some breakfast.

8am: Leave a few minutes late but should get to work on time. Car is super icy so have to find some de-icer. Luckily I have some in the boot. I didn’t really factor this in, it’s taking time.

11.30am: Stop for a mini break and have some fruit and water to keep my fluids up. I spent the morning cleaning my locker, as I hadn't cleared it out since before the pandemic started. I answer some emails and check in on a care home which said that they are having to take precautions because of a COVID breakout. Definitely reminds me how difficult it is out there for social care, keeping vulnerable people safe in the midst of the pressure of the pandemic.

12.30pm: My sister is in town and gets me a strawberry and vanilla oat latte. I think she feels bad for me as I feel so ill, even though she is still getting over COVID herself. Spend lunch having a conversation with my colleagues about pronouns, gender equality, gender fluidity. Discuss the need to be aware of the differences so that we can support the service users that we help.

2pm: Starting to feel unwell so have some cheese and crackers, Mini Cheddars and pistachios. A strange lunch I know but if I have the same thing, I am likely to not eat it and then spend money on lunch. I offer my help to some colleagues who are struggling and we have a quick catch-up on teams.

5pm: Finish work. Spent the afternoon dealing with a few enquiries including one about a carer's assessment for a family member. I'm back with my old team temporarily until my next placement, which is quite an adjustment after spending time away. I ask to be included in the training sessions next week.

6pm: Back home. Jump into the shower as it's been a long day. I was meant to go to my cousin's house but I'm too tired and feeling ill (LFT was clear). He agrees to come over instead.

9pm: Order some food and catch up with my cousin while giving him his Christmas presents super late. Our KFC arrives (Zinger burger, fries and gravy). £10 for my share.

10.30pm: Catch up on Gogglebox and Graham Norton. We also watch some Jimmy Fallon videos (the story with Nicole Kidman always makes me laugh) before sharing some brownies that my sister picked up for dessert.

11.30pm: Wash my face and brush my teeth. Listen to some music and read my bible before I fall asleep.

Total: £10
<strong>Day Two</strong><br> <br>8am: Wake up before my alarm and take a bathroom break. Go on my phone for a while and try and fall back to sleep.<br><br>8.30am: Wash my face and brush my teeth. I’m going to yoga so I don’t have to wear makeup this morning. Listen to Manchester Orchestra as I am getting ready. <br><br>9am: I have a coffee and some fruit to keep me going. My head seems to be 10 paces behind me this morning.<br><br>9.20am: Head out the door with my umbrella to try and keep dry in the rainstorm. I pay for yoga for me and my sister, M. £16<br><br>10.45am: Back home after class, I feel a little better. M says that the yoga was tough as she is still recovering from COVID. Speak to my mom on the phone as she is heading to my auntie's later for lunch.<br> <br>12pm: Have another coffee and make a bagel for brunch. Injure myself in the process so go on the hunt for plasters. I get a message from my cousin saying that he can’t make the Van Gogh exhibition as he is mindful of COVID.<br><br>2pm: Do some reading for uni and read up on serious case reviews. This is where lessons are highlighted so that similar incidents can be avoided in the future. I realise I don’t really have the brain space for reading and end up scrolling through my old Instagram posts. <br><br>2.30pm: Think it's going to be a resting afternoon with a catch-up of <em>The Masked Singer</em> before cleaning later. Eat some of the brownies left over from yesterday.<br><br>3.30pm: I try the new hot chocolate I got and end up getting milk everywhere, meaning it’s a big job with the clean-up. <em>Castaway</em> is on so I decide to stay under a blanket for the rest of the afternoon.<br><br>5pm: My mum video calls me and comments on how tired I look. I haven’t seen a mirror in a while and do look wrecked. Put a filter on to look more awake and tell her I will come over for lunch tomorrow.<br><br>5.15pm: Time to clean, hoover, do the bins and some washing. Adulting at its best. <br><br>7.30pm: Have some crisps before I jump into the shower to wash my hair. I decide to put on an eye mask as I look like an extra for <em>The Walking Dead</em>.<br><br>9pm: My sister cooks a spinach and ricotta slice for dinner and I add some salad and mayo. I realise I have watched way too much TV today so read a magazine while I eat. <br><br>12am: After watching a random TV show about TV's worst moments (I know – it's that bad on TV) I decide to go to bed. <br><br><strong>Total: £16</strong>
Day Two

8am: Wake up before my alarm and take a bathroom break. Go on my phone for a while and try and fall back to sleep.

8.30am: Wash my face and brush my teeth. I’m going to yoga so I don’t have to wear makeup this morning. Listen to Manchester Orchestra as I am getting ready.

9am: I have a coffee and some fruit to keep me going. My head seems to be 10 paces behind me this morning.

9.20am: Head out the door with my umbrella to try and keep dry in the rainstorm. I pay for yoga for me and my sister, M. £16

10.45am: Back home after class, I feel a little better. M says that the yoga was tough as she is still recovering from COVID. Speak to my mom on the phone as she is heading to my auntie's later for lunch.

12pm: Have another coffee and make a bagel for brunch. Injure myself in the process so go on the hunt for plasters. I get a message from my cousin saying that he can’t make the Van Gogh exhibition as he is mindful of COVID.

2pm: Do some reading for uni and read up on serious case reviews. This is where lessons are highlighted so that similar incidents can be avoided in the future. I realise I don’t really have the brain space for reading and end up scrolling through my old Instagram posts.

2.30pm: Think it's going to be a resting afternoon with a catch-up of The Masked Singer before cleaning later. Eat some of the brownies left over from yesterday.

3.30pm: I try the new hot chocolate I got and end up getting milk everywhere, meaning it’s a big job with the clean-up. Castaway is on so I decide to stay under a blanket for the rest of the afternoon.

5pm: My mum video calls me and comments on how tired I look. I haven’t seen a mirror in a while and do look wrecked. Put a filter on to look more awake and tell her I will come over for lunch tomorrow.

5.15pm: Time to clean, hoover, do the bins and some washing. Adulting at its best.

7.30pm: Have some crisps before I jump into the shower to wash my hair. I decide to put on an eye mask as I look like an extra for The Walking Dead.

9pm: My sister cooks a spinach and ricotta slice for dinner and I add some salad and mayo. I realise I have watched way too much TV today so read a magazine while I eat.

12am: After watching a random TV show about TV's worst moments (I know – it's that bad on TV) I decide to go to bed.

Total: £16
<strong>Day Three</strong><br><br>8.40am: Wake up and feel so wrecked. Debate sleeping in but decide to get up. Makeup is definitely needed and Manchester Orchestra is on the playlist again.<br> <br>9.50am: After having a slice of toast, fruit, juice and painkillers, I have to de-ice the car. Thankfully it's not too bad as I’m running late to church.<br><br>11.45am: It was hard to concentrate at church as I was feeling quite weak. I had some change in my purse so I gave a donation/tithe of £10. The light through the windows was so beautiful during the service. It's definitely the small things that are helping at the moment.<br><br>1.30pm: Pick up some things from Wilko (de-icer, oven tray and evening primrose oil, £8.80). I see that Accessorize has reopened in town so wander in. I spot some pretty pearly hair clips and know that I will get a student discount so get them. £9<br><br>1.45pm: Get to my parents' house and crash. They are making lunch and eating seems doable. It's toad in the hole with veg and strawberry Viennetta for dessert. Catch the news before I leave, the COVID rates don’t look good. Still feels bizarre that we are nearly two years into the pandemic.<br><br>5.30pm: On the way home I decide to stop for petrol. I used to leave my petrol gauge quite low but decide it's best to top up. £20<br><br>6.30pm: After putting on a hand-wash cycle to wash my knitwear, a bath is calling. Put on a face mask, use jasmine salts, candles and listen to some music (yes it's still Manchester Orchestra, they are literally on repeat at the moment).<br><br>9pm: Make some leftovers with fries and salad, then have some crisps as well. Put on Netflix and watch some old episodes of <em>Seinfeld</em>, it's really funny and definitely underrated.<br><br>12am: Face wash, brush teeth, check Instagram. Sleep is calling me and after a long day I fall asleep straightaway.<br><strong><br>Total:</strong> <strong>£47.80</strong>
Day Three

8.40am: Wake up and feel so wrecked. Debate sleeping in but decide to get up. Makeup is definitely needed and Manchester Orchestra is on the playlist again.

9.50am: After having a slice of toast, fruit, juice and painkillers, I have to de-ice the car. Thankfully it's not too bad as I’m running late to church.

11.45am: It was hard to concentrate at church as I was feeling quite weak. I had some change in my purse so I gave a donation/tithe of £10. The light through the windows was so beautiful during the service. It's definitely the small things that are helping at the moment.

1.30pm: Pick up some things from Wilko (de-icer, oven tray and evening primrose oil, £8.80). I see that Accessorize has reopened in town so wander in. I spot some pretty pearly hair clips and know that I will get a student discount so get them. £9

1.45pm: Get to my parents' house and crash. They are making lunch and eating seems doable. It's toad in the hole with veg and strawberry Viennetta for dessert. Catch the news before I leave, the COVID rates don’t look good. Still feels bizarre that we are nearly two years into the pandemic.

5.30pm: On the way home I decide to stop for petrol. I used to leave my petrol gauge quite low but decide it's best to top up. £20

6.30pm: After putting on a hand-wash cycle to wash my knitwear, a bath is calling. Put on a face mask, use jasmine salts, candles and listen to some music (yes it's still Manchester Orchestra, they are literally on repeat at the moment).

9pm: Make some leftovers with fries and salad, then have some crisps as well. Put on Netflix and watch some old episodes of Seinfeld, it's really funny and definitely underrated.

12am: Face wash, brush teeth, check Instagram. Sleep is calling me and after a long day I fall asleep straightaway.

Total:
£47.80
<strong>Day Four</strong><br> <br>8am: Feeling a lot better but still press snooze.<br><br>8.40am: Get dressed for working at home. I decide to wear my new clips from yesterday and listen to a sermon while I get ready.<br><br>9am: Have breakfast and sign in. I have to have music on while I work but nothing too heavy.<br><br>11am: I've spent the morning looking at previous correspondence to try and determine a service user’s learning disability. Thankfully I find what I need and send this to my senior. Stop for a quick break and pick up some fruit from the kitchen.<br><br>12pm: My senior asks if I can come into the office tomorrow to cover a shift. Head out for a walk in the park with M for our lunch break.<br><br>1pm: Back home and I put leftovers in the oven so that I can eat and work before training starts. Answer some emails that are outstanding and move a meeting in person to online for Wednesday.<br><br>2pm: My colleague sends an SOS so I message him and we have a catch-up online to see if I can help him.<br><br>2.30pm: Grab another coffee before autism training starts. Respond to my friend who messaged me yesterday to see how I was, hopefully we can catch up soon.<br><br>4pm: See an email to say that some work has been moved to home-based. So it looks like me working from the office has been cancelled tomorrow.<br><br>5pm: Finish work for the day and spend the rest of my afternoon in a university meeting. Strange to think that I am a third year now, I still don’t get how I ended up as one of the student representatives. <br><br>6pm: Spend some time reading up about safeguarding as realised I have a meeting tomorrow and it will look better if I have read the information that I was meant to. My work friend sees I am online and calls me. Sounds like she is going through a lot, sometimes all you can do is listen. Put on <em>Home and Away</em> after the call, anything Australian is always good.<br><br>9pm: Cook sea bass, potatoes, mushroom sauce and green beans, which involves using every dish in the house. Start watching the documentary about the killer nanny in the '90s in America. My degree is in criminology so I have always been interested in crime shows and looking at true crime cases.<br><br>11pm: Get ready for bed, wash my face and brush my teeth. Put on TV and eventually get to bed around 12am.<br><br><strong>Total:</strong> <strong>£0</strong>
Day Four

8am: Feeling a lot better but still press snooze.

8.40am: Get dressed for working at home. I decide to wear my new clips from yesterday and listen to a sermon while I get ready.

9am: Have breakfast and sign in. I have to have music on while I work but nothing too heavy.

11am: I've spent the morning looking at previous correspondence to try and determine a service user’s learning disability. Thankfully I find what I need and send this to my senior. Stop for a quick break and pick up some fruit from the kitchen.

12pm: My senior asks if I can come into the office tomorrow to cover a shift. Head out for a walk in the park with M for our lunch break.

1pm: Back home and I put leftovers in the oven so that I can eat and work before training starts. Answer some emails that are outstanding and move a meeting in person to online for Wednesday.

2pm: My colleague sends an SOS so I message him and we have a catch-up online to see if I can help him.

2.30pm: Grab another coffee before autism training starts. Respond to my friend who messaged me yesterday to see how I was, hopefully we can catch up soon.

4pm: See an email to say that some work has been moved to home-based. So it looks like me working from the office has been cancelled tomorrow.

5pm: Finish work for the day and spend the rest of my afternoon in a university meeting. Strange to think that I am a third year now, I still don’t get how I ended up as one of the student representatives.

6pm: Spend some time reading up about safeguarding as realised I have a meeting tomorrow and it will look better if I have read the information that I was meant to. My work friend sees I am online and calls me. Sounds like she is going through a lot, sometimes all you can do is listen. Put on Home and Away after the call, anything Australian is always good.

9pm: Cook sea bass, potatoes, mushroom sauce and green beans, which involves using every dish in the house. Start watching the documentary about the killer nanny in the '90s in America. My degree is in criminology so I have always been interested in crime shows and looking at true crime cases.

11pm: Get ready for bed, wash my face and brush my teeth. Put on TV and eventually get to bed around 12am.

Total: £0
<strong>Day Five</strong><br><br>8.05am: My alarm goes, I better not snooze it. I can hear my sister’s alarm so she must have slept through. Scroll through socials until the bathroom is free.<br><br>8.30am: Put on the sermon from yesterday that I hadn’t finished and put on a bit of makeup and my contacts. I should probably wear my glasses more when at home and not fighting a mask. Maybe tomorrow instead.<br><br>9am: I log in to tell the team I am WFH. Have coffee/juice/fruit and a bagel to see me through. <br><br>12.30pm: My friend asks for a favour so I give her a call back and talk her through the process that she is struggling with. Debate having lunch but settle on a piece of fruit to keep me going as I’m not ready yet.<br><br>2.30pm: Finish up my meeting. I had a catch-up with my mentor for the course and it was good to reflect and think about the placement I have finished. We discussed the fact that my supervision for my next placement has been changed. I feel a little thrown by this but at least my placement stays the same.<br><br>3pm: Stop for chicken soup and some bread. Check in on my colleague who is in the office to see if there is anything that I needed to do.<br><br>5pm: Finish the work day with some emails and a report. I make sure I am clear about what I am doing tomorrow as I have a uni day.<br><br>6.15pm: Go for a walk with M. She is still feeling unwell as a result of COVID so it’s good to get some air. I walk past the shop on the way home and they have Roses on sale for £5. The shop worker says they only just came in, definitely a bargain.<br><br>7pm: Get home and eat one too many Smarties. Hide them in the cupboard to not be tempted. Start dinner as M is having a shower and not feeling too good. Make Thai green curry as I watch <em>Emmerdale</em>.<br><br>8pm: Zoom catch-up with my friends from church and it's so lovely to speak to them. End up close to tears after laughing so much. <br><br>9.30pm: Jump in the shower to wash and condition my hair and then get into my PJs. I still haven’t eaten and it's so late now…<br><br>10pm: Have some of the curry with a poppadom and a few crisps. As it was so late I tried to have a small portion but ended up feeling hungry. Definitely not done it right. Watch the third part of the documentary from yesterday. Message my friends from the Zoom, still making me smile.<br><br>11.30pm: Brush my teeth and wash my face, and scroll through socials. It's around 12am when I finally get to sleep.<br><br><strong>Total: £5</strong>
Day Five

8.05am: My alarm goes, I better not snooze it. I can hear my sister’s alarm so she must have slept through. Scroll through socials until the bathroom is free.

8.30am: Put on the sermon from yesterday that I hadn’t finished and put on a bit of makeup and my contacts. I should probably wear my glasses more when at home and not fighting a mask. Maybe tomorrow instead.

9am: I log in to tell the team I am WFH. Have coffee/juice/fruit and a bagel to see me through.

12.30pm: My friend asks for a favour so I give her a call back and talk her through the process that she is struggling with. Debate having lunch but settle on a piece of fruit to keep me going as I’m not ready yet.

2.30pm: Finish up my meeting. I had a catch-up with my mentor for the course and it was good to reflect and think about the placement I have finished. We discussed the fact that my supervision for my next placement has been changed. I feel a little thrown by this but at least my placement stays the same.

3pm: Stop for chicken soup and some bread. Check in on my colleague who is in the office to see if there is anything that I needed to do.

5pm: Finish the work day with some emails and a report. I make sure I am clear about what I am doing tomorrow as I have a uni day.

6.15pm: Go for a walk with M. She is still feeling unwell as a result of COVID so it’s good to get some air. I walk past the shop on the way home and they have Roses on sale for £5. The shop worker says they only just came in, definitely a bargain.

7pm: Get home and eat one too many Smarties. Hide them in the cupboard to not be tempted. Start dinner as M is having a shower and not feeling too good. Make Thai green curry as I watch Emmerdale.

8pm: Zoom catch-up with my friends from church and it's so lovely to speak to them. End up close to tears after laughing so much.

9.30pm: Jump in the shower to wash and condition my hair and then get into my PJs. I still haven’t eaten and it's so late now…

10pm: Have some of the curry with a poppadom and a few crisps. As it was so late I tried to have a small portion but ended up feeling hungry. Definitely not done it right. Watch the third part of the documentary from yesterday. Message my friends from the Zoom, still making me smile.

11.30pm: Brush my teeth and wash my face, and scroll through socials. It's around 12am when I finally get to sleep.

Total: £5
<strong>Day Six</strong><br><br>8.10am: I can’t get up any later so I have to move now. <br><br>9.10am: Log on a little late (going to have to do better tomorrow). It’s a uni day so I have a fair bit of work to get through before placement starts. <br><br>10.30am: Have a catch-up with someone from my next placement. It was nice to meet her and learn more about the process of safeguarding. Sounds like it will be a busy placement but really interesting.<br><br>11.45am: Me and M head for a walk in the park before my lesson at lunchtime. It's sunny so it's all about layers and sunglasses. We try and pace it, as I know how much M is going through with the aftermath of COVID. Make it back just in time for my class.<br><br>2pm: During the call we get told that we have passed and we are officially year three. Is it bad that I'm just focused on the comment the lecturer made about our grades being very varied? I have to remember a pass is still good and I don’t have to be perfect. We have to wait until Friday to find out more so guess I will be praying 'til then. Get told we have a new uni tutor, I have a quick look on Google and she looks famous.<br><br>4.30pm: Set off with M to see a property as we are coming to the end of our contract. I can’t believe it's still light out… The season is changing.<br><br>5.15pm: Back home and we are so confused as we can’t tell if we like the property. I feel like if we got the house I wouldn't feel <em>that </em>excited about it. Maybe sleeping on it will really help. <br><br>5.30pm: Mum calls and asks if we want anything from the chippy, I'm not super hungry but ask for a fish cake and curry sauce. Decide I better get back to uni as I left early and I need to make up the time. Get the details for my new tutor so try and book an appointment. Decide to add her on Twitter as we have friends in common.<br><br>6pm: Mum and Pops (stepdad) come round and we chat with <em>Home and Away</em> in the background.<br><br>7.30pm: After <em>Emmerdale</em> has finished and Pops has done his impressions of Meena, they head off. Check my phone and my tutor has followed me back on Twitter, which is a good sign, I think.<br><br>8.15pm: Jump in the shower and get into my PJs. Have some of the curry from yesterday and then some crisps after. Watch <em>The Bay</em> as I'm having dinner. <br><br>11.30pm: Wash my face, brush my teeth and watch some TV before falling asleep around 12am.<br><br><strong>Total: £0</strong>
Day Six

8.10am: I can’t get up any later so I have to move now.

9.10am: Log on a little late (going to have to do better tomorrow). It’s a uni day so I have a fair bit of work to get through before placement starts.

10.30am: Have a catch-up with someone from my next placement. It was nice to meet her and learn more about the process of safeguarding. Sounds like it will be a busy placement but really interesting.

11.45am: Me and M head for a walk in the park before my lesson at lunchtime. It's sunny so it's all about layers and sunglasses. We try and pace it, as I know how much M is going through with the aftermath of COVID. Make it back just in time for my class.

2pm: During the call we get told that we have passed and we are officially year three. Is it bad that I'm just focused on the comment the lecturer made about our grades being very varied? I have to remember a pass is still good and I don’t have to be perfect. We have to wait until Friday to find out more so guess I will be praying 'til then. Get told we have a new uni tutor, I have a quick look on Google and she looks famous.

4.30pm: Set off with M to see a property as we are coming to the end of our contract. I can’t believe it's still light out… The season is changing.

5.15pm: Back home and we are so confused as we can’t tell if we like the property. I feel like if we got the house I wouldn't feel that excited about it. Maybe sleeping on it will really help.

5.30pm: Mum calls and asks if we want anything from the chippy, I'm not super hungry but ask for a fish cake and curry sauce. Decide I better get back to uni as I left early and I need to make up the time. Get the details for my new tutor so try and book an appointment. Decide to add her on Twitter as we have friends in common.

6pm: Mum and Pops (stepdad) come round and we chat with Home and Away in the background.

7.30pm: After Emmerdale has finished and Pops has done his impressions of Meena, they head off. Check my phone and my tutor has followed me back on Twitter, which is a good sign, I think.

8.15pm: Jump in the shower and get into my PJs. Have some of the curry from yesterday and then some crisps after. Watch The Bay as I'm having dinner.

11.30pm: Wash my face, brush my teeth and watch some TV before falling asleep around 12am.

Total: £0
<strong>Day Seven</strong><br> <br>8.05am: Time to get up, it looks so cold out. Wash my face and brush my teeth, put on the sermon I was finishing from this week. Paint my toenails as they will have time to dry.<br><br>9am: Log in and say hi to the team. Have my usual: juice, coffee, fruit and a bagel. I spend the morning finishing a few tasks and check in with my senior and a colleague.<br><br>11am: Not sure how it's 11am already. Call my colleague back who was trying to contact me. Make another coffee and finish off the tasks that have mounted up. Get distracted by the 'gram for a few minutes.<br><br>12pm: Head out with M. She is also WFH so daily walks have became a thing. We take the muddy walk and end up having to avoid the dogs who always make a beeline for us. We head to the shop on the way home and get some supplies including milk, crisps, a sandwich and a sausage roll. £6.50<br><br>2.30pm: Finish the meeting with my new senior. We talked about my induction and what placement will entail. I do know the supervisor a bit and she seems super nice, which is definitely a good sign. <br><br>4pm: Make me and M a white hot chocolate to get us through the last hour of work. Send my new supervisor some documents from university so she can see what I have done so far.<br><br>6pm: After finishing work I watch some <em>Home and Away</em> and try and complete the Asda food shop online. After some confusion M says it's her week so she is covering the bill. I put on a load of washing before I have a shower.<br><br>7.30pm: After watching <em>Emmerdale</em> I jump in the shower and wash my hair. I get dressed, put on PJs and sort my washing out before I start on dinner.<br><br>9pm: My sister ordered us a Five Guys so we share an Oreo shake, Cajun fries and mini burger. As the fries are slightly overcooked we get some money back for the order so my share is only £7.<br><br>10pm: Watch<em> This Is Us</em>. It’s the last season so it's definitely all the feels. Look at my socials a little before I go and get ready for bed.<br><br>11.30pm: Wash my face and brush my teeth, then get into bed. Turn on my electric blanket as it's so cold tonight. Watch some <em>Emmerdale </em>before falling asleep.<br><strong><br>Total: £13.50</strong>
Day Seven

8.05am: Time to get up, it looks so cold out. Wash my face and brush my teeth, put on the sermon I was finishing from this week. Paint my toenails as they will have time to dry.

9am: Log in and say hi to the team. Have my usual: juice, coffee, fruit and a bagel. I spend the morning finishing a few tasks and check in with my senior and a colleague.

11am: Not sure how it's 11am already. Call my colleague back who was trying to contact me. Make another coffee and finish off the tasks that have mounted up. Get distracted by the 'gram for a few minutes.

12pm: Head out with M. She is also WFH so daily walks have became a thing. We take the muddy walk and end up having to avoid the dogs who always make a beeline for us. We head to the shop on the way home and get some supplies including milk, crisps, a sandwich and a sausage roll. £6.50

2.30pm: Finish the meeting with my new senior. We talked about my induction and what placement will entail. I do know the supervisor a bit and she seems super nice, which is definitely a good sign.

4pm: Make me and M a white hot chocolate to get us through the last hour of work. Send my new supervisor some documents from university so she can see what I have done so far.

6pm: After finishing work I watch some Home and Away and try and complete the Asda food shop online. After some confusion M says it's her week so she is covering the bill. I put on a load of washing before I have a shower.

7.30pm: After watching Emmerdale I jump in the shower and wash my hair. I get dressed, put on PJs and sort my washing out before I start on dinner.

9pm: My sister ordered us a Five Guys so we share an Oreo shake, Cajun fries and mini burger. As the fries are slightly overcooked we get some money back for the order so my share is only £7.

10pm: Watch This Is Us. It’s the last season so it's definitely all the feels. Look at my socials a little before I go and get ready for bed.

11.30pm: Wash my face and brush my teeth, then get into bed. Turn on my electric blanket as it's so cold tonight. Watch some Emmerdale before falling asleep.

Total: £13.50
<strong>The Breakdown</strong><br><br>Food & Drink: £28.50<br>Entertainment: £0<br>Clothes & Beauty: £9<br>Home & Health: £24.80<br>Travel: £20<br>Other: £10<br> <br><strong>Total: £92.30 </strong><br><br><strong>Conclusion</strong><br><br>"I know that I didn’t spend that much this week but I actually thought I had spent less than I did. It definitely helped to record my expenses this week and it gave me a lot to think about. I still have a long way to go in terms of savings, living on a budget and not overspending. Hopefully this will be the year I get my finances in order more."
The Breakdown

Food & Drink: £28.50
Entertainment: £0
Clothes & Beauty: £9
Home & Health: £24.80
Travel: £20
Other: £10

Total: £92.30

Conclusion

"I know that I didn’t spend that much this week but I actually thought I had spent less than I did. It definitely helped to record my expenses this week and it gave me a lot to think about. I still have a long way to go in terms of savings, living on a budget and not overspending. Hopefully this will be the year I get my finances in order more."

Like what you see? How about some more R29 goodness, right here?

Money Diary: A 23-Year-Old Support Worker In Wales

Money Diary: A 30-Year-Old Trainee Teacher

Money Diary: An Assistant Artist Manager On 30.5k

Our goal is to create a safe and engaging place for users to connect over interests and passions. In order to improve our community experience, we are temporarily suspending article commenting