The Artist - Creative Spirit. I can’t believe how accurate this as I’m 100% a creative person!
I created Courtney Budgets to hold myself accountable to my debt journey and to enable myself to be more open about my debt as I didn’t talk about it much beforehand. I followed The Budget Mom on my personal account before deciding to make my budget Instagram and she was definitely my inspiration.
My financial habits used to be terrible - I had no savings, I was an impulse buyer and my credit card was regularly used as if it was a debit card. When I started focusing more on my finances, I started by tracking my expenses.
This changed my life as I became more conscious about my spending habits and triggers and it helped me to realise that I had an impulse buying addiction.
Now, I’m more thoughtful with money which has allowed me to both save and pay off a huge chunk of my debt!
I have a sinking fund category called ‘personal’. This is a savings category which allows balance as I can treat myself without ruining my budget.
“You’re too young to be worrying about your debt - pay the minimum and enjoy your youth”
My biggest guilty pleasure is homeware - I’m an absolute sucker for storage baskets and cushions!
I check them every night when I’m updating my planners!
My main bank is Halifax - I use them for my Current Account, Rent Account, Regular Spending (separate account), Help To Buy ISA, Sinking Fund Savings & Long Term Savings. I like using Halifax as it’s all under the same app and easier to transfer between different accounts. I’m still paying off a bank overdraft with Bank of Ireland & my Virgin Money credit card but I never use those cards other than for repayments. I did previously have credit cards with Marbles, Vanquis, Halifax and Bank of Ireland but thankfully they’re all paid off.
Track your expenses and work from there! This will help you to realise where your money is going and where you need to focus on first.