money diary №01

money diary №01 NHS · Band 5 nurse Budgeting my NHS Band 5 nurse paycheck at 24 How I organise my money, save towards my goals & build wealth. a system that actually works 02 · my why 🤍 What I'm building towards in my 20s. I'm not just saving money — I'm building the life I want. Home ownership Long-term wealth My business Travel & memories Financial security future me will thank present me payday system every £ gets a job. When my salary comes in, every pound gets a job. salary £2,245 lands in Lloyds my main account £759 fixed bills come out the rest transfers out m 38% Monzo everyday spending + emergency + savings pots £860 15% Moneybox LISA (future home) £333 212 11% Trading 212 long-term investing £250 I save & invest 44% of my paycheck my goal → give every £ a purpose 04 · fixed expenses 🏠 ← from my Lloyds account The predictable bills that keep life running. These come out of my Lloyds every month — set once, forget forever. Item Category Bucket Frequency Monthly £ FIXED EXPENSES O2 Phone fixed monthly £73.91 Car tax Car fixed monthly £17.02 Car insurance Car fixed monthly £58.78 Car finance Car fixed monthly £180.00 Car finance Professional Fee fixed quarterly £10.00 RCN Professional Fee fixed monthly £17.07 Claude Rent fixed monthly £250.00 Jack Coaching Coaching fixed monthly £90.00 Apple Subscriptions fixed monthly £8.99 Gym Health fixed monthly £35.00 Fixed Expenses subtotal £758.77 every month → £758.77 05 · automation ✨ → auto out of Lloyds every payday Before I spend, I pay future me. Two automatic payments + a savings pot. Set once, motivation not required Moneybox LISA for my first home I put in £4,000 /year max + gov adds £1,000 25% bonus 🤍 = every year £5,000 into my LISA free money — I'll take it Trading 212 £250/mo long-term investing what's compound interest? my money earns money → that money earns money → repeat 🥳 10 years £43k worth 20 years £60k in £130k worth 30 years £90k in £300k+ worth my money compound growth SAVINGS & INVESTMENTS Moneybox LISA Investments investment monthly £333.00 Trading 212 Investments investment monthly £250.00 Savings (Australia + Emerge Savings) saving monthly £400.00 Savings & Investments subtotal £983.00 ↑ my auto-transfers · £983/mo to future me m ← from my Monzo account Variable spending, every £ with a purpose. I split Monzo into pots so I always know what money is for what VARIABLE EXPENSES Groceries variable weekly £160.00 Food Transport variable weekly £200.00 Fuel Other variable weekly £100.00 Other Variable Expenses subtotal £460.00 £460 Everyday spending food, fuel, small joys £200 Travel Australia + weekends £200 Emergency fund my safety net flex Other savings goals the little dreams built with Claude 07 · AI tools I built my own expense tracker using AI my actual dashboard pink spreadsheet coded itself analyses spending trends categorises transactions spots monthly patterns shows where every £ went Claude using AI to make managing money easier save this one Budgeting isn't about restricting yourself. knowing where your money goes spending intentionally creating options for your future read again money diary №01 · fin. Building my dream life, one decision at a time. Come with me while I figure it out. on duty off duty thanks for reading! xoxo №02 loading Money AI Wellness Growth follow along save share come back