Tbh I thought I was going to be over budget but we came in £6 under🙌 I use my credit card for nearly all my purchases and then record everything in a monthly tracker. I then transfer my variable spending totals to my annual spreadsheet. Let me know if you have any budgeting questions! #moneydiaries #londonmoneydiaries #januaryspending #monthlybudget #londonlife #americaninlondon #personalfinancetok