Another week, another viral story that grabs the internet and becomes the subject of Whatsapp group debates. Today it's the money diary of 27-year-old Lucy Holligan. Lucy has managed to buy a house, on her own, an increasingly impressive feat. But if you read her money diary it's pretty easy to see how she managed it.
She starts the week on a Saturday and discusses how she feels annoyed with herself for spending £2.60 on a pint of milk and a can of tuna. 'I went to the local shop where I spent £1.50 on a tin of tuna and £1.10 on milk. I was actually quite annoyed with myself because this happens every week; I go out, there's nothing in the house the next day, I pick up a "few bits" from the local shop and end up spending more than I should.'
If you're thinking 'I truly wish I were good enough with money that I felt guilty about spending £2.60', you're not the only one.
Lucy is such a grown-up that she has a mortgage, a lodger, and a single person's discount on council tax, which she's losing by taking a lodger. Her insurance is also going to go up. She writes: 'And my house insurance has increased by £3.80 per month - which I don't think is too bad.'
Hands up who could spend £3.80 on their lunch break without noticing that it's gone? Probably not Lucy, who says: 'I have to admit there's the odd occasion where I can't resist the call of McCoys salt and vinegar crisps, which would set me back around 70p.'
One of the elements of Lucy's money diary which has attracted the most attention is her cooking. She's open about not being a great cook, optimistically writing: ' I've worked out that the foundation to cooking is browning off some onion and garlic - and then you can basically add anything and confidently call it a meal.'
One evening she serves up a plain cod fillet with a slice of lemon, a sliced carrot and plain couscous. At this point we're trying to contact Lucy via the astral plane to invite her over for a dinner with more than three ingredients.
At the end of the week, the BBC add up her spend, and if you take out the £376 emergency money she spent on her car failing its MOT, she clocked in at spending £16.50 per day, including all three meals.
But Lucy is the woman who feels guilty about spending a quid on tuna. She isn't pleased with herself for spending £116 in a week. 'It was the little spends which got me. You kick yourself because you should be more savvy. There's a convenience store around the corner where I get milk and cans of food from when I'm feeling lazy. Usually I would buy food from the supermarket.'
Anyone else feeling somewhat ashamed of their spending?
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