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Hot on the heels of my introduction to my journey towards mindful money management, last week was the week I spectacularly fell off the wagon.  Part of me doesn't want to admit it but then a big part of me would feel like a huge hypocrite if I wasn't honest.  Plus there's a certain friend no doubt reading who will definitely call me out if I'm not.

I got sucked in to online shopping again.  A pair of shoes I'd been lusting after for months went into sale.  So I bought them in two sizes to try on.  Then decided the colour wasn't right so re-ordered a black pair.  Then decided I simply *must* own a tea dress so went on a hunt for one.  The dress I ordered wasn't a tea dress (nor was the second one I added to my bag to qualify for free delivery), but please tell me I'm not alone in falling down a black hole and buying for the sake of buying?  Oh, and to round things off I ordered a pair of trousers because they're the perfect autumnal shade and I think we can all agree that summer 2017 is pretty much over, right?

I'm ending the week on a small high though because (with the exception of the black shoes (which were always going to be keepers) and the second dress (only a tenner in the sale, too))...I took everything back.  I'm feeling pretty proud of myself right now, and also pretty disappointed when I add up what I spent in total.  Just goes to show how easy it is to get carried away.

But anyway, besides seven days of shopping, what else happened last week?

On Wednesday we had our monthly book club meet up and the book we'd read was Rebecca.  I'd heard a lot about it online so thought we decided to give it a go and ended up all feeling positive about it.  It generated a lot of discussion and it's funny to look back at when we started and veered towards YA literature for ease, but now we're opting for classics!  I think it works particularly well because there are more discussion questions available online for the older books so gives us a chance to really get to the deeper layers of whatever it is we've read. Next month...Pride and Prejudice!

On Saturday I took myself off to Costa for another writing session.  I always thought that sitting alone in a coffee shop would feel odd and that I'd get far too distracted with people watching to concentrate but actually being away from my home comforts is perfect for focus.  I take a notebook with me and scribble out posts by hand and I think that alleviates some of the writer's block I can tend to get whilst sat at my computer.  Oh, and this photo isn't as random as it seems....my local Costa sits inside Next so I couldn't resist checking out their homeware section on my way out.  Didn't buy anything though!

Mum's been on holiday for the past few weeks so on Sunday to Guildford with her and my sister.  Sundays always feel like much less of a frenzied shopping experience and it was nice to stop for lunch before heading off to browse return the bulk of my online orders.  And full disclosure, I may have bought my perfect AW coat but it was a bargain in TK Maxx and we all know what happens if you don't buy things you like there and then!

Week 33 In Moments

21.8.17

Hot on the heels of my introduction to my journey towards mindful money management, last week was the week I spectacularly fell off the wagon.  Part of me doesn't want to admit it but then a big part of me would feel like a huge hypocrite if I wasn't honest.  Plus there's a certain friend no doubt reading who will definitely call me out if I'm not.

I got sucked in to online shopping again.  A pair of shoes I'd been lusting after for months went into sale.  So I bought them in two sizes to try on.  Then decided the colour wasn't right so re-ordered a black pair.  Then decided I simply *must* own a tea dress so went on a hunt for one.  The dress I ordered wasn't a tea dress (nor was the second one I added to my bag to qualify for free delivery), but please tell me I'm not alone in falling down a black hole and buying for the sake of buying?  Oh, and to round things off I ordered a pair of trousers because they're the perfect autumnal shade and I think we can all agree that summer 2017 is pretty much over, right?

I'm ending the week on a small high though because (with the exception of the black shoes (which were always going to be keepers) and the second dress (only a tenner in the sale, too))...I took everything back.  I'm feeling pretty proud of myself right now, and also pretty disappointed when I add up what I spent in total.  Just goes to show how easy it is to get carried away.

But anyway, besides seven days of shopping, what else happened last week?

On Wednesday we had our monthly book club meet up and the book we'd read was Rebecca.  I'd heard a lot about it online so thought we decided to give it a go and ended up all feeling positive about it.  It generated a lot of discussion and it's funny to look back at when we started and veered towards YA literature for ease, but now we're opting for classics!  I think it works particularly well because there are more discussion questions available online for the older books so gives us a chance to really get to the deeper layers of whatever it is we've read. Next month...Pride and Prejudice!

On Saturday I took myself off to Costa for another writing session.  I always thought that sitting alone in a coffee shop would feel odd and that I'd get far too distracted with people watching to concentrate but actually being away from my home comforts is perfect for focus.  I take a notebook with me and scribble out posts by hand and I think that alleviates some of the writer's block I can tend to get whilst sat at my computer.  Oh, and this photo isn't as random as it seems....my local Costa sits inside Next so I couldn't resist checking out their homeware section on my way out.  Didn't buy anything though!

Mum's been on holiday for the past few weeks so on Sunday to Guildford with her and my sister.  Sundays always feel like much less of a frenzied shopping experience and it was nice to stop for lunch before heading off to browse return the bulk of my online orders.  And full disclosure, I may have bought my perfect AW coat but it was a bargain in TK Maxx and we all know what happens if you don't buy things you like there and then!
You may be aware that I started my own personal finance journey blog a month or two ago.  It's something I spoke about in my mission statement post and is one of the things I'm going to incorporate on here.

You see, years of involvement in the blogging community has seriously effed my finances up.  I take me share of the blame (it's accurate to say I am categorically bad with money) but there's no doubt I was never this destructive before blogging.

In fact, I remember a time pre-blogs when I treated myself to a pair of boots from River Island.  They weren't particularly expensive (£45 or less) and it was around my birthday so I likely used birthday money to buy them.  I debated it for over a fortnight.  And when I walked in and put my money on the counter to pay I felt both guilty and thrilled at the same time.  But unlike in recent years and with recent purchases, the guilt faded and the excitement stayed the same.

I loved those boots and and would genuinely put it down to the fact that they were a treat at a time when pacifying myself through purchases didn't happen often.

But blogging has brought with it a new wave of spending habits.  Living vicariously through a favourite blogger is something we all do, but for me the trouble comes when I start to spend* like them too.  Fashion is fast and social media makes it faster.  The latest lipstick craze?  I'll take one in every colour.

Years of this mindset has left me in a mess.  I've had moments of cold panic looking at my bank balance a week after payday and wondering how I'll make very little last the next few weeks with birthday presents still to buy and social events yet to attend.

Blog now, get into debt later.

I hit breaking (and flat out broke) point.

But why am I telling you this?  The simplest reason is to explain my shift in values and introduce a new feature here.  But the why behind that shift is that I think it's a conversation which needs to be had.

We're prudes about money (unless it's an "I dropped £500 on Cult Beauty" video.  Just no.)  Money management isn't something I was taught in school and the general feeling I'm getting online is that I'm not alone.

I'll go back to my earlier statement: I am bad with money.  But in the two months since I've had my head in the personal finance game I've built my savings from nothing to a target sum which I'm proud of and I've stopped going overdrawn to boot.  But don't come here looking for advice because no doubt I'll stumble along the way.  It won't stop me sharing my journey and talking about money though.

Come here if you want to see an average millenial working towards mindful money management.

Come here for tips and tricks I've learnt and resources I think are useful.

But most importantly, come here if you think conversations around money are of value to you and you want to be part of a community of people who feel the same.

*(debatable with the abundance of undisclosed PR freebies)

Conversations Around Money: An Introduction

17.8.17

You may be aware that I started my own personal finance journey blog a month or two ago.  It's something I spoke about in my mission statement post and is one of the things I'm going to incorporate on here.

You see, years of involvement in the blogging community has seriously effed my finances up.  I take me share of the blame (it's accurate to say I am categorically bad with money) but there's no doubt I was never this destructive before blogging.

In fact, I remember a time pre-blogs when I treated myself to a pair of boots from River Island.  They weren't particularly expensive (£45 or less) and it was around my birthday so I likely used birthday money to buy them.  I debated it for over a fortnight.  And when I walked in and put my money on the counter to pay I felt both guilty and thrilled at the same time.  But unlike in recent years and with recent purchases, the guilt faded and the excitement stayed the same.

I loved those boots and and would genuinely put it down to the fact that they were a treat at a time when pacifying myself through purchases didn't happen often.

But blogging has brought with it a new wave of spending habits.  Living vicariously through a favourite blogger is something we all do, but for me the trouble comes when I start to spend* like them too.  Fashion is fast and social media makes it faster.  The latest lipstick craze?  I'll take one in every colour.

Years of this mindset has left me in a mess.  I've had moments of cold panic looking at my bank balance a week after payday and wondering how I'll make very little last the next few weeks with birthday presents still to buy and social events yet to attend.

Blog now, get into debt later.

I hit breaking (and flat out broke) point.

But why am I telling you this?  The simplest reason is to explain my shift in values and introduce a new feature here.  But the why behind that shift is that I think it's a conversation which needs to be had.

We're prudes about money (unless it's an "I dropped £500 on Cult Beauty" video.  Just no.)  Money management isn't something I was taught in school and the general feeling I'm getting online is that I'm not alone.

I'll go back to my earlier statement: I am bad with money.  But in the two months since I've had my head in the personal finance game I've built my savings from nothing to a target sum which I'm proud of and I've stopped going overdrawn to boot.  But don't come here looking for advice because no doubt I'll stumble along the way.  It won't stop me sharing my journey and talking about money though.

Come here if you want to see an average millenial working towards mindful money management.

Come here for tips and tricks I've learnt and resources I think are useful.

But most importantly, come here if you think conversations around money are of value to you and you want to be part of a community of people who feel the same.

*(debatable with the abundance of undisclosed PR freebies)
Last week was good.  I've started going back to Body Balance classes, taken time for self-reflection and feel as though I'm connecting with myself a little better and making positive changes.

I also got some of the boring, behind the scenes blog stuff in hand and it's actually given me a lot more motivation.  I've been making an effort to engage more on Twitter as well, so if you don't already follow me (@lornaliterally) come over and say hi!

I started the week by making these chocolate chip cheesecake bars.  The base of this is to die for (and so easy to make!) but Nick and I aren't sold on the texture and flavour of the cheesecake layer so I took the majority in to work.  They were a hit at the office, but I think if I were to make them again I'd substitute the cheesecake for a layer of caramel.  Sounds heavenly, right?!

I also started experimenting with my style a bit more last week.  I still use a capsule wardrobe system but it was all starting to look a bit muted and tonal, plus I feel as though I'd gotten into a rut with the combinations I was wearing.  This top was a new addition from the week before last and I would normally have played it safe with a plain belt.  I know adding a leopard print belt isn't anything too outrageous, but it's a step in the right direction and has inspired me to keep playing with pieces I already own.

On Saturday I met with Lizzie for a catch up.  We chatted a little about blogging, made some future plans and then browsed M&S for a bit.  Maybe it's a sign of my age but I quite enjoy looking for good quality basic items in there!  The day was even better because I managed to sneak in a quick trip to the library prior to our meeting.  I didn't emerge with arms weighed down by books but I always find that time spent in the library is good for the soul.

And finally, on Sunday, I went for a quick shopping trip with my sister.  We're quite lucky that our local town is big enough to house everything we'd need but not so big that you end up going overboard with spending.  The main reason for our excursion was to collect this Gucci-inspired belt and we also managed to squeeze in a cake whilst making plans for our upcoming trip to Amsterdam.

Speaking of which, if you have any recommendations for activities please leave them down below!

Week 32 In Moments

14.8.17

Last week was good.  I've started going back to Body Balance classes, taken time for self-reflection and feel as though I'm connecting with myself a little better and making positive changes.

I also got some of the boring, behind the scenes blog stuff in hand and it's actually given me a lot more motivation.  I've been making an effort to engage more on Twitter as well, so if you don't already follow me (@lornaliterally) come over and say hi!

I started the week by making these chocolate chip cheesecake bars.  The base of this is to die for (and so easy to make!) but Nick and I aren't sold on the texture and flavour of the cheesecake layer so I took the majority in to work.  They were a hit at the office, but I think if I were to make them again I'd substitute the cheesecake for a layer of caramel.  Sounds heavenly, right?!

I also started experimenting with my style a bit more last week.  I still use a capsule wardrobe system but it was all starting to look a bit muted and tonal, plus I feel as though I'd gotten into a rut with the combinations I was wearing.  This top was a new addition from the week before last and I would normally have played it safe with a plain belt.  I know adding a leopard print belt isn't anything too outrageous, but it's a step in the right direction and has inspired me to keep playing with pieces I already own.

On Saturday I met with Lizzie for a catch up.  We chatted a little about blogging, made some future plans and then browsed M&S for a bit.  Maybe it's a sign of my age but I quite enjoy looking for good quality basic items in there!  The day was even better because I managed to sneak in a quick trip to the library prior to our meeting.  I didn't emerge with arms weighed down by books but I always find that time spent in the library is good for the soul.

And finally, on Sunday, I went for a quick shopping trip with my sister.  We're quite lucky that our local town is big enough to house everything we'd need but not so big that you end up going overboard with spending.  The main reason for our excursion was to collect this Gucci-inspired belt and we also managed to squeeze in a cake whilst making plans for our upcoming trip to Amsterdam.

Speaking of which, if you have any recommendations for activities please leave them down below!

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