Saffron Watson

Sunday, 9 August 2020

25 Things I've Learned Before Turning 25

Hello it's my birthday! 

The big 25. It's a bit weird to think I'm now the equivalent to a quarter of a century...And also edging ever so closer to 30. I'm trying not to worry about it because life happens. To enjoy the moments that I do have. I thought now is a good a time to do one of these "lessons learned" things. I love reading other people's posts, because we all have different journeys that means we all learn slightly different things. 

Well here's what I've learned so far (and probably missing a few but my memory is awful lol)...

Taken by Connor Cleary

1. You can have different friendships of varying qualities, you don't have to be best friends with everyone.
2. Treat yourself like a plant, you need watering, feeding and sunlight - but also maybe like a dog?
3. You don't need to wash your hair everyday. It's too much effort and is bad for your hair.
4. You are the only one in control of your happiness, don't push that responsibility onto anyone else.
5. When you feel like you're going to explode with anger, take a minute and breathe. Let your rational thoughts have time to surface. You don't have to react to everything right away.
6. There is no set path for life, everyone's is different. So stop comparing.
7. Stop living month to month, prepare for the future.
8. Even though having a skincare routine and moisturising your body is a hassle, it's worth it and you'll feel great afterwards.
9. Only buy one extra of essential items. There's no need to clutter cupboards and drawers.
10. You can really do it if you put your mind to it. JUST DO IT.
11. Take breaks from social media, I promise you no one will even notice that you've gone.
12. Sing and dance your heart out in your car, if you don't make eye contact with anyone it's like no one can see you.
13. There's always another side to a story. 
14. Believe in second chances, but always be careful.
15. SPF moisturiser is a game changer.
16. Always make time for self care, whether that's reading, meditation, exercise or face masks, it will make you feel more human. 
17. Family is important. Make time for your loved ones, get off that couch and go grab a coffee with them.
18. It's ok to say no to social events, sometimes it's best not to force yourself to go out.
19. The fear of missing out (FOMO) is ridiculous, only go somewhere that you really want to go.
20. Laughter is the best medicine, be it if it's from a comedy, funny video or out laughing with friends.
21. To do lists are a lifesaver, and really help you stay on stop of things.
22. If you can do it today, do it. Save tomorrow-you the task, you never know what tomorrow will bring.
23. Actions speak louder than words. There are plenty of nice words to say to people, but if you prove it in actions, it's priceless. 
24. Don't be afraid of ageing, it's a blessing to have the opportunity to grow old.
25. Be humble, sometimes you have to realise there's so much more than you in this world.

I hope you've enjoyed my post, I still have plenty in the works (I know even I'm tired of hearing this from me). I have had a lot of little projects going on so certain things have had to take a break but I will be getting more posts out on a semi-regular basis!

What's on your list of things you've learned? 

Thursday, 23 July 2020

Visiting Restaurants in a Pandemic When You Have Anxiety

I don't know about you, but this whole pandemic has really been feeding my anxiety. I've had a lot of moments where I have been feeling quite agoraphobic. Which I haven't felt in quite a few years. In the height of my mental health problems I often felt scared to leave the house, and I had to use public transport a lot which would also set off the feeling trapped part of agoraphobia. I have only left the house when necessary; for work or essential errands. Even then I'd wear a mask and take my hand sanitiser everywhere, and would start to get panicky feelings when someone got too close. Most of the shops I have been in were quick in and out jobs. That is until I had to queue in Wilko's and the system wasn't very clear, a few customers nearly got into an argument over it. That feeling of knowing that people were behind me and too close had me on edge. The queue was going down an aisle, and I started to feel nervous if customers wanted to get to the products next to me. It also didn't help that when I was walking round the shop, the staff didn't seem to care if you were there or not. When I'm wearing a mask it makes me really claustrophobic because it can feel like my breathing's restricted, but it's not. I wear one to protect myself and others, and would rather deal with feeling uncomfortable for a few moments than risk catching or spreading Covid-19.

I know that shops and restaurants have to open up so that people can keep jobs and the economy can keep going, but going to them just terrifies me. I've seen the lack of social distancing and lack of common sense from some of the public. We've all spent three to four months mainly confined to our homes with the same people. I found it really jarring when I could meet up with my friends and family members, because it felt kind of weird. At least in shops and socialising there's usually an easy exit. I just feel like in pubs and restaurants it might not be that easy. I don't want to be in a busy environment. I don't want to feel trapped.

As much as I miss "normality" and going out for food and drinks, I'd rather be cautious about returning to that way of life. To me, nothing about this is normal. This is a whole new world for most of us, and it's better to be safe than sorry. I have made myself relax to a certain extent, to test the water and visit a few places and thought I'd write about my experiences here for you.

My first mini trip out was to Whiteley, Fareham where my other half and I had a meeting at Starbucks (we sat outside), and afterwards we were a bit peckish and stopped by Five Guys. We love their burgers and fries, we usually only have this as an every now and then treat, as we don't indulge in a lot of takeaway food. Whiteley have tried to limit the amount of people visiting their shopping centre by closing off some of the car parks. It was really quiet walking around, and they had a pedestrian traffic system, by keeping customers to the left and having barriers in the middle of the walkway. There were only a few small groups of customers in Five Guys and plenty of spread out seating, we decided it would be ok to sit in as it would be quick. We sat in a booth near an open door so it felt nice and open. I didn't feel worried about sitting inside at all, and the staff were really friendly. Usually at Five Guys, you order at the counter and wait for your number to be called further along the counter. This time however, they gave you a number placeholder to take to your table and brought your order to you, whether you were taking away or sitting in to stop people gathering in the same spot.

Our second trip out was for a nice cheeky lunch meal, we walked from Fareham to Portchester to visit the Salt Cafe as I had heard so much about it online. Unfortunately, it was really busy with their outside seating and I felt uncomfortable being so close to other customers. They had also stopped serving lunch when we got there so we looked for somewhere else nearby for some pub grub. The Wicor Mill was only just up the road, and we had never been there before. When we walked in we were greeted by a member of staff and asked if we had booked, we hadn't but that was fine as there were plenty of tables at that time of day. They took our details for the track and trace of Covid-19 and showed us to an outside table, which was more than 2 metres away from the next tables; perfect. You could either order through the app or order at the bar and the staff bring your food and drinks to you. For some reason the app wasn't working for us so we had to order at the bar, but that wasn't an issue as I said before, it was quiet.

It was a much needed little treat out, and so great to have a couple of pints and enjoy the sunshine. We are both so busy at the moment juggling work and a few other projects, so it was nice to take some time out and get out of the house. We both had steak and melted cheese ciabattas and shared a little portion of chips, it was a gorgeous little lunch meal.

Last but not least, my friend and I had been having some coffee dates at CrumbleJack down Fareham high street. Before lockdown this was one of my favourite places to have avocado and egg on toast, I have no idea what they do to it, but it's so damn delicious. At our first coffee meet up we were able to sit outside (you can see a pattern here) and it was really comfortable. Next time we thought we'd have a bite to eat, and we indulged in their masterpiece. They had perspex screens by the tills and brought food and drinks to the table, and had a little hand sanitiser station as you walk in the coffee shop.

Even though I've only been out a handful of times eating and drinking out, I've been fairly happy with those experiences. A lot of my friends have had successful trips to pubs and restaurants and it's good to hear people enjoying themselves again. I'm just not ready to be sat inside a busy pub or restaurant yet, but I'm getting there.

My advice to you if you haven't been out yet, and are feeling apprehensive is to research the places you want to go to first. I find it helpful to read about how the businesses have altered their establishments to make them safe for customers, and if they have photos of these then that's a bonus. If that doesn't make you feel calmer, then why not pop them a message or call them up? Most independent businesses will get back to you really quickly. If that also doesn't work, just be cautious and have a look from outside when you go to visit. You don't have to commit to staying there if you have walked in and gotten a table, you have the choice to leave if you're uncomfortable. If you do book a table and change your mind before going, please contact the business to let them know so then they can give the table to someone else. I've seen a few posts going around social media where restaurants have lost out on money because people didn't cancel their booking.

Have you been out to any pubs and restaurants yet? Pop me a message in the comments, I'd love to hear about your experiences!

Friday, 5 June 2020

I Am An Ally | Black Lives Matter Portsmouth Protest

Peaceful protest organised by Stand Up to Racism Portsmouth
Over the past week a lot of events have unfolded in the UK and around the world. Everyone's been cooped up and on edge in lockdown. My timeline of hearing about some of the events went like this: Amy Cooper using her white privilege against an African American man in Central Park (US), George Floyd murdered by a police officer in Minneapolis (US), Ahmaud Arbery shot whilst jogging (US), police officers killed Breonna Taylor with eight shots to the chest in a drug raid - they had the wrong house (US), and Belly Mujinga passing from Covid-19 after a member of public claiming to have the virus, spat and coughed at her and her colleague (UK).  

As some of you may know, this is not the correct timeline of events. Whilst the media across the world has been consumed with the current pandemic, these horrific acts of violence have taken place since the end of February. I heard about the Central Park birding incident on Tuesday 26th May first, and was so angry at seeing the video footage (of a middle class white woman threatening an African American man by calling the police, because her dog was off the leash in a bird sanctuary where it was illegal). I couldn't believe that this woman had the balls to feign distress on a 911 call, of which could end in this man getting attacked or assaulted by police. We've all seen evidence of this before on the news, police hear a black male may have a weapon or may be a suspect and they adapt the "shoot first ask questions later" approach. Luckily, in that case no one was harmed (except the dog being practically choked by his owner as she still had not put the dog back on the lead). I was already high on emotions, and then the next day I saw the video of George Floyd (he passed away on Monday 25th May). Pinned down by an officer Derek Chauvin's knee, handcuffed and unable to breathe. This lasted for nine minutes until he was unconscious or near death.

Everyone became outraged as the video and news coverage made the rounds. Rightly so. The four police officers involved knew they were being recorded, and it didn't phase them or make them change their behaviour. At the time of writing this all four officers have been fired from the police department, and they are all facing various charges in connection with George's murder.

In the following days #blacklivesmatter rose to the forefront to use these unfortunate events to again bring around our attention to the unjust treatment of black people and people of colour. It's been nearly seven years since BLM was founded, because of the tragic death of Trayvon Martin by George Zimmerman of which he served zero time. It does not feel like it's been seven years, but I imagine for black people who have to see and suffer from acts of racism daily, it feels like forever.

People around the world have snapped. They want change. They want laws. They want justice. Too many people have died, especially at the hands of police and not had the justice they deserve. They are supposed to be here to protect us, not kill us. Not be judge, jury and executioner. You might be sitting there thinking "well it only happens in America", you would be very wrong. Racism isn't just calling someone a racial slur, or abusing someone because of their skin colour. There are also micro aggressions that can affect black people from day to day. This all builds up to a misconception of black people and people of colour.

The Protest - Thursday 4th June 2020 1:00pm

I had seen and heard of various protests being set up around the country for George Floyd, but also for everything that happens on our own soil. If you think the British people are just protesting for America, then you are clearly blind to the events and treatment of black people here. I thought about this a lot, and was nervous to go. I've been very vocal about following all of the government rules during lockdown, but I made the decision to join in the protest (which we are well within our rights to do) to show my support as an ally. I got myself a fabric face mask (so I can wash and re-use it) and approached the protest apprehensively, as I wasn't sure what it'd be like. I've never been to a protest before. For the whole hour or so leading up to the protest my anxiety levels were through the roof. When I parked up near the city centre and put my mask on, it got worse. The fact that my mouth and nose were now covered up made me feel claustrophobic. I tried to keep as calm as possible as I knew I was slightly overreacting.

When I joined the back of the protest in Portsmouth Guildhall, I could see that everyone was socially distanced and it wasn't overcrowded. There were two police officers (wearing some pretty hefty blue vests, potentially stab proof) on bicycles interacting with some of the attendees. I heard one say "you alright?" to a middle aged gentleman behind me, I turned and heard him say "oh well it's not very aesthetic is it? Lots of white people here" to which the officer replied "well that's a good thing isn't it?". The officer is right. Not just black people had to attend to fight for their rights and their voice, white people have a job to do as well. It was good to see that so many people from all races and backgrounds came to show their support. With so many variants of messages on signs. Almost everyone had face masks on and was social distancing (obviously it's unclear whether small groups were from the same household but they kept to themselves).

Portsmouth Guildhall knelt in complete silence
I was born and raised in Portsmouth for around five years before moving off the island, but I still attended school in Portsmouth for another year or so. It's always been a multi-cultural place to me, with people from all races and backgrounds. I saw their race, their religion and I saw them as human beings. I played with them in the playgrounds regardless; how were they any different to me? Admittedly this observation is partially incorrect. That's just how I saw it as a five year old. I didn't and still don't judge people on their race or religion. I judge people on their actions. We need a better education system, to teach us about our differences; but not to treat people differently because of it. This is everything that I'm learning now. As a twenty four year old white woman. This is what I heard from the passionate speakers at this protest. Yes, I was shocked when I saw a police officer in America kill a man with his knee. Yes, I was shocked to hear how justice is not always served in these cases. Yes, I was shocked to hear the truths of racism and abuse received in my hometown. I didn't want it to be true. The city that I grew up in, the city that I'm from was racist? People getting beaten up, turned away from job interviews because of the colour of their skin? On my doorstep?! No, this isn't right.

Here are some notable moments from the speakers that stuck with me:

"We are told to go back to our country when you brought us here, you took us from our country and made us slaves, profited from us. Now you want us to go back to where we came from?"

"Please stop touching my hair"

"Portsmouth has the highest rates of stop and search by police in Hampshire"

"I'm 14 and I'm having to stand here and fight"

"Where is the love?"

"I got beaten up for being the only black person at school"

"This girl kicked me, so I kicked her back. Guess who got in trouble"

"When I was younger and I pictured myself as an adult, I saw a white blonde woman. I made all of my Mii characters white, blonde with blue eyes."

"My hair is damaged from chemicals trying to straighten my hair to fit in"

"You look more white with straight hair"

"I didn't see another black person until I was seven years old."

There were so many passionate, angry and upset people speaking. It really moved me and helped me try and understand what it's like to live in this part of the country as a black person. I had no idea. I was so confused and outraged at what had been done or said to them. One of the men was technically a white British male, but has black skin. His parents are both white, his siblings are white. He grew up in the area I'm living in now, a mostly white middle class populated area. He's thirty years old now, and at the time he was born the world was even more backwards than it is now. We keep thinking we are "woke", we aren't. We might be more now, as more people are standing up and speaking out about this. We need to keep it moving and enforce change. This is a movement, not a trend. Posting black squares on Instagram had good intentions but drowned out the black voices, and it means nothing if you don't try to change. If you don't try to challenge not just your own, but other people's behaviour and language. This is an every day battle for black people, and we need to make it everyone's battle for equality.

We all have experienced fear in this pandemic. Fear of leaving the house and catching Covid-19, and scared to get within two metres of another human being. Imagine what it's been like for black people having that feeling every single day. Not feeling safe, ever.

It's time for change, it's time to educate and it's time for equality.

No justice, no peace.

Helpful resources, petitions and fundraising:

Black Lives Matter
Justice for George Floyd (if you need a zip code for petitions use 90015)
Daughter of George Floyd Fund
Memorial Fund For George Floyd
Glamour: How to Support Black Lives Matter
Glamour: How To Be a White Ally
Glamour: Racism in 2020
The Trayvon Martin Law
Justice for Breonna Taylor
Justice for Ahmaud Arbery
Justice for Belly Mujinga

*All photos used in this post were safely taken by me.

Friday, 29 May 2020

Budgeting for NYC Whilst in Debt

I decided last summer that Connor and I were going to go on holiday for our anniversary in January, because I wanted to work towards something exciting, and to truly celebrate our ten years together. At that moment I was still £2,000 in debt and owed my mum money for buying my car, when my old one was too expensive to fix. I knew I needed to knuckle down and come up with some numbers.

I started investigating holiday prices in the first place for trips in Europe and New York, I was trying to work out the best place to go for that time of the year. I worked out that we could get flights and a hotel for various destinations for around £400-£500 each for four to five nights. When I finally landed on the idea of New York, as it'd be quieter and cute if it snowed. I started to research affordable restaurants. I made a Pinterest board of things to do and places to eat that looked different and appealing, and made a document detailing rough prices of meals.

See, I love doing all of this research and budgeting (when I stick to it), my plan was to get out of my overdraft by January, and pay my mum off by February/March. I knew I couldn't overspend on our holiday if I still wanted to get fully out of debt. I had decided that I was not going to go shopping or get souvenirs (as I had already been to New York a few years ago and bought way too much, I did not want to do that again). I worked out when we were going to arrive, and how many meals we would need to buy each day. I had originally scrapped buying breakfast on day one, however we ended up buying it anyway! I put a budget of $10 per breakfast and lunch, and $30 for dinner. That's a total of $250 for just food for the holiday.

Then from my list of fun things to do I worked out what was free and what would cost me more dollars*:

Weekly unlimited subway card $34
Central Park Zoo $19.95
Pedicab Tour $30 each (if pre-booked through Facebook)
Empire State Building $42
Top of the Rock $38
Roosevelt Island Cable Car $3 each way

Total: $169.95

When we were planning what we wanted to do each day and if there were more things to do in that area, I looked into travel passes and saw that Groupon did a good deal. We got a three attraction pass that you can use at anytime during your holiday for £69 each ($83) and it includes so many attractions it's really worth it. This meant that we automatically saved money through this pass rather than exclusively buying tickets for the Empire State Building and Top of the Rock, and we decided we'd pay the 9/11 Museum a visit as well. The one thing I'd recommend with the Groupon pass is make sure you do it before you go on holiday, as I had a delay in receiving my confirmation email as I booked it at the airport when we were about to leave...luckily, I got it later that day and could finish the confirmation. If you can, try and print the voucher as they will scan it at each attraction or exchange it for one of their tickets. Plus, you don't have to commit to what attraction you want to use the passes for, so it gives you flexibility if you change your mind.

We didn't end up doing all of the attractions on my list, so we saved in some areas and spent more on food in others. Each day I would assess my budget and move over my daily amounts to my Monzo card. I highly recommend Monzo, it's an app only bank of which you get a physical card and it's super easy to transfer money. One of my favourite components is that you can round up your spends to put the extra change into a savings pot, it also works out the exchange rate as soon as you've bought something.

I had about £130/$156 left in my spending account, which was great as that was then left as my savings whilst knowing that I was out of debt. I had about a maximum of $500 I could spend, but I wanted to make sure I came back with plenty leftover.

With regards to my addiction to spending and shopping, we did go into malls and the massive Macys and Bloomingdales just to have a look. To be honest there wasn't really anything I wanted or needed, it was just nice to get a feel of the place. I think I had been so strict on my thought process before we went that it stuck with me and I didn't stray. Except, when I got a little bag of pick and mix from M&M World which I allowed as it was only $7.99 and delicious.

This was the first holiday I'd been on where I had done all of this research and worked out budgets, and honestly it was the best thing I could've done. I really regret my previous trips where I would just flash my contactless card and worry about the amount I'd spent later. Having that daily budget was just great to help me keep me on track, and be smart about where we ate and what we did. Obviously, I didn't want to be in a position where I was worried about money whilst away for our anniversary, but that's why it helped to know that I had room in my budget. I had worked hard to make sure that I wouldn't be anxious about money.

I still can't believe that we actually went away on a holiday together, and I managed to scrape any extra pennies and birthday/Christmas money together to make it happen. I've added helpful links throughout this post, and if you have any other questions about budgeting drop me a comment below!

Other New York content will be coming soon...

*all prices were correct at the original publishing date, prices may vary due to inflation or different deals.

Wednesday, 29 April 2020

How I'm Managing My Money in 2020

Ok, so again I haven't posted much this year. It's not for lack of trying, or lack of ideas. Sometimes it's down to not having photo content yet (I find having at least one image per post is preferable, rather than having just a block of text), or sometimes I get a bit afraid of publishing my own words and my own opinions online for everyone to see, and judge.

You might be a bit bored of me going on and on about being in debt, and always trying to get out and failing. Well, I have some good news for you all. I am finally DEBT FREE. Yep, you heard me. In one of my last posts about my plans for this year, I mentioned that I had really made a difference to my bank account. For the past year I really dug my head in the sand and worked hard to earn the money I needed to pay bills, and made a few plans to pay off my overdraft and pay back my mum (who had kindly bought my car back in November 2018). I always had enough money for my bills, but I must admit I did sometimes struggle to complete my 'get out of debt' schemes. The reason for this (and I talk about my mindset with money when I talk about my addiction in a post late last year) is that I've had to completely retrain my brain when it comes to money. Ever since I earned my first pay packet in 2012 I had been going off the rails, financially. I had my own money to spend on whatever I wanted. This became a bit of a challenge though when I was having to borrow money from friends, my parents and eventually caving in and getting an interest free student overdraft; of which I just saw as more free money. Bad Saffron.

Last year I had decided that I was going to say "no" to more socials, or find the cheapest way to do that because getting out of debt and not having this anxiety everyday about my finances was my dream. A life I hadn't really lived since before I got my first job. On 17th January this year, I woke up to a notification from my bank that a bunch of money was deposited. I was confused. Who would just give me that much money? Turns out, I had forgotten it was payday. It was my pay check. When I clicked on my banking app and saw how many figures where in the pluses, YES PLUSES. I cried. It's hard to say what emotion this was exactly, because I was crying but it was about something good. Something I had achieved on my own. However, I was sad because I'd never felt this way before. In all the other times I had temporarily gotten out of debt, I didn't stick to it and fell right back to rock bottom. Rock bottom being at the end of my £2,000 overdraft, with my £2,300 Macbook to pay off (may have been a stupid idea at the time) and my £2,300 something debt to my mum.

Although I was out of my overdraft, I still had a significant amount to pay back to my mum. I had another plan for this, you see. I had this all worked out in advance since before Christmas. I was a woman with a plan. I earned enough to pay for my bills, and whatever was left over the next two months I paid to my mum to get that debt over and done with. I wanted a debt free 2020, and I was getting it. Only two big lump sums and it was all over. Flash forward to 9th April and I received my first lot of wages where I didn't have to pay off my overdraft, my Macbook or my mum. My money is mine. Even though it's been three or so months of technically being out of my overdraft, it still hasn't sunk in. I was able to put away some spare money after leaving enough for this months bills into my savings account and I can't believe that I'm someone right now, who has a good head start with a savings account. It's something that's been on numerous new years resolutions and goals lists, and has never happened until now. I just want to shout from the rooftops, because this is a big moment for me.

My other half; Connor, I think still doesn't completely believe me when I say I've changed and I'm going to work hard to stay out of debt. I don't blame him. I was lying to myself all of the other times I got out of debt. I guess that's part of being an addict? In the end you don't even know if you're lying to yourself, and believing your own lies. I kept my finances to myself for quite a few years, and would lie about how bad it was. I wanted to fix it myself, but being the spending addict I was it was so much worse bottling it up. The moment that I spoke more to Connor and my parents about my situation, I didn't feel as though I was living two lives anymore, and having to hide my payslips or banking information. A weight was lifted. All of them had at some point offered to help in one way or another, but it got to a point where I really didn't want to borrow any more money. Enough was enough. I'm an adult, I put myself in this mess and I need to learn to get myself out of it. It's been a huge learning curve, and I really hope that this is a new start.

I have started to track and manage my money using this awesome spreadsheet that Rhianna set up (she's got some banging posts all about getting out of debt, saving, and budgeting which I've found super helpful), she goes through each section on the spreadsheet to help you set up. I had already been pulling my hair out when trying to get out of debt, so it's been handy to customise this spreadsheet for my needs. I must admit I haven't been tracking my money that much, I've done a few months using it and it's so good if you stick to writing down your spends and what they were for. I started a section where I've written down all of the occasions this year where I will need to spend money, be it birthdays, hen do's and Christmas. I now have a set budget for how much I need to put aside to financially prepare for all of these events. I have never done this before. I've lived month by month for so long, I don't know why I hadn't thought of it before. I also created a tab where I've put down all of the monthly outgoings so I know for sure how much goes straight out of my account, so I can see what's left to play with each month.

My next plan, is to open a Lifetime ISA to help save up for a house. I think it will really help putting my money into a dedicated account that I can't just transfer in and out of. Plus, if I reach the maximum £4,000 a year (which according to my plan I could hit that target by the end of this year) the government give you an extra £1000 into that account. There's more information in this article by Money Saving Expert, which I've found really helpful. I'm really serious about Connor and I moving out and getting our own place. I've moved around and lived in other people's houses for so long, I just really want a place of our own. Our own four walls with a sturdy roof. I really don't see the benefit of moving out to just rent, (unless I had to move away for work) because it just costs so much and I really don't earn enough to be able to pay rent and save up for a deposit.

In summary; all of my money is now my own, I use a bad ass spreadsheet to monitor my incomings and outgoings with forecasts for each month and the year, and essentially putting as much leftover wages into a savings account. This is how I'm managing my money in 2020. No more unnecessary shops and hauls, and smart spending not blind spending.

Let me know if you have had enough of my little rants about money, I hope it's not too bad now that I'm out on the other side! Also pop me a message if you would like to see any posts in the future updating you all on my progress.

Thank you for reading, this has felt like the longest journey.
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