Financial Review of Week 14th – 20th January 2019

Hello everyone,

I have decided to go on a 2 week Facebook detox, deactivating my account, in the hope it will give me the time to post on here more.

My spending challenge of only spending £85 on personal spends this month took a bit of hit when a pain in my right calf whilst playing football last week took me to a physiotherapist on Monday. All is fine, I am free to proceed with my half marathon training, but I have a weaker right leg compared to my left leg and very weak and inflexible hips. So I have been given exercises to try and strengthen them and increase my flexibility.

But this took a £35 hit to my expenses this week.

These things happen, I will still be frugal, I am doing everything to cut the expenses. I did buy a magazine this week, because quite frankly I love magazines. It was one on Women’s Running and I love reading fitness magazines (they’re pretty much the only magazines I read) and I believe they are well worth the money.

Anyway, let’s begin.

FOOD AND HOUSEHOLD SHOPPING

I did a big online food shop, well, actually, it was quite small compared to what we normally used to order, but the thing is we haven’t done an online shop since August last year. This was because we were moving home in September and we didn’t want to cart too much food with us and also we were downsizing so didn’t know how everything would fit in the kitchen.

Online Tesco Food Shop
Milkshake x 4, Tomatoes and Courgette
Eggs, Macaroni, Baguette, Mozzarella
Naan, Tikka Sauce, Poppadoms
Listerine, OJ, Milk, Breakfast Biscuits, Jacket Potatoes, Onion Bharjis, Rolls, Parsnips, Carrots, Mozzarella, Strawberries, Apples
Cheesecakes, Cauliflower, Quorn Pieces, Veggie Chicken Strips, Veggie Meatballs
Malt Loaf Bars, Cutlery Holder, Nutella, Microwave Rice x 3

TOTAL FOOD SPENDS THIS WEEK = £87.69

A bit more than usual, but we have many things in the house now that will last us to the end of the month.

We only have £36.65 of the budget left, so we will have to be careful. We are really going for it on the batch cooking front, I have been so good, I haven’t bought one single work canteen lunch or breakfast. I’ve gotta save those pennies some how.

I have paid off £450 of debt this month, and I really hope to squeeze in either some extra money to my savings or my debts before the month is out.

DISPOSABLE INCOME SPENDING

HEALTH

Physiotherapist appointment – £35

TRAVEL – DAY TO DAY

Train to football match – £3.50

WORK EXPENSE

Milk for work – £1.20

HOBBIES – HEALTH

Women’s Running Magazine – £4.50

TOTAL DISPOSABLE INCOME SPENDING = £44.20

TOTAL COMBINED SPENDING THIS WEEK = £131.89

Not too bad, if I hadn’t have needed to go to the physiotherapist I would only have spent £9.20 on personal spends this week! That’s pretty frugal.

Advertisements

Spending Review of Week 1 and 2 of 2019

Hi all,

So I totally posted at the start of the year and then vamoosed into thin air again, which is very bad Flo. I am trying to get back on it.

I used to do spending reviews of each week, usually last thing on a Sunday, but then life got a bit in the way.

I know technically as it’s the 13th today there haven’t been 2 full weeks of 2019 yet, but hopefully you’ll indulge me.

WEEK 1

FOOD AND HOUSEHOLD SHOPPING

Lemsip, Bread, Soup
Kitchen Roll
Rice, Soup, Naan, Pitta, Poppadoms
Milkshake x 2, OJ, Flora, Sweet Potatoes, Carrots, Parsnips, Green Beans, Pattie, Choux Buns
Washing Up Liquid x 2, Tikka Masala Sauce, Houmous, Salad
Washing Tablets, Fabric Conditioner, Olives, Soup, Lemsip, Falafel, Crisps
Cookies
Pilau Rice x 2, Golden Veg Rice, Quinoa and Wholegrains, Paracetamol
Onion Bhajis
Sweetcorn and Onion
Milk, Squash, Bread, Mushy Peas, Cucumber, Spaghetti, Raspberries
Greek Yogurt, Milkshakes x 4, Pine Nuts, Spring Onions, Parsnips, 4 Beef Tomatoes

TOTAL SPEND = £59.37

So, since I am kinda starting again on my blog, I’ll explain how the Food and Household Shopping works in my house.

I live with The Boy, who is my boyfriend, and we set a ‘Food and Household Shopping’ budget of £250 a month, so £125 each.

The Boy pays me £125 towards the Food Shopping each month, and the running of the household food budget is all down to me. I control the budget and what food comes into our house.

(This is why it’s very annoying when The Boy has to do some shopping as he comes back with about £10 worth of treats we don’t need).

So, I declare the total spending costs of each week, but it has only personally cost me half of the total amount.

Glad we established that after, what, 2 years!

WEEK 1

DISPOSABLE INCOME SPENDING

I am doing a spending challenge this month of only spending £85 in my disposable income budget.

I have been doing very well. I have told The Boy about 3 times already this year that we are not getting a takeaway as I am being frugal.

I also sub categorise my disposable income spending, so here goes.

WORK EXPENSE

Milk for work (we have a tea fund) £1.52

SOCIAL

Ticket to see The Mekons £9.79

WORK LUNCHES

Breakfast at work £2.70

Total spend = £14.01

Total combined spending for Week 1 = £73.38

Onwards…

WEEK 2

FOOD AND HOUSEHOLD SHOPPING

Chocolate, Salad Tomatoes
Potatoes, Steak
Tissues x 2, Oat Cakes, Breakfast Bars x 2, Lemsip, Coffee, Gum, Pocket Tissues, Twix’s, 3 x Chocolate Bars
Milk, Tinned Toms x 4, Lasagne Sheets, Mozzarella
Pizza
2 x Porridge Sachets, Yogurt, Garlic Bread, Salad, Rolls
Cough medicine stuff
Milk, Bag for Life, Pepsi, OJ, Potatoes, Root Veg Pack, Cottage Cheese, Gum, Butternut Squash, Falafel, Ginger, Tissues, Houmous, Pitta Bread, Peppers, Salad, Pizza x 2
MEGA PIZZA

Total spends = £66.29

DISPOSABLE INCOME SPENDING

WORK EXPENSE

Milk for work £1.52

HOBBIES – HEALTH

Using scales at gym £1

SOCIAL

Ticket to Manics after show party £5.50

TRAVEL (DAY TO DAY)

Train to football training £4.10

Total disposable income spending = £12.12

Total combined spending Week 2 = £78.41

Similar amounts of spending each week, and I am doing so well on my disposable income spending!! Go me!!

Guess Who’s Back?

Hi everybody, long time no post.

So where did we leave things? I believe it was around, gosh, April 2018. I had just lost my main source of income due to being ill, with admittedly more than a few sick days preceding that incident. Cast your mind back long ago and you may remember I was working 7 days a week, across 2 jobs. JOB 1 – A Monday to Friday admin role through a temp agency, and JOB 2 – A 4 hour Saturday and Sunday contract in a very busy retail store.

I describe myself as being a cockroach (hear me out). I have survived numerous tragedies and calamities in my life and although many times in my life have seemed bleak I am a stubborn mother f***** and make it through one way or another.

The temp agency sent me to an interview for another admin role, which I succeeded in getting, and I have been in that role ever since, over 6 months now.

I have been in near perfect health, both physical and mental. Since the 7th of June 2018 to today, a time span of 212 days, I have had only 3 sick days across both jobs. Out of the last 212 days I have had about 26 of them off as annual leave.

There is so much to update you on. The Boy and I were evicted from our old house due to the Landlord’s realising what we had been telling them for years – that the mould and damp was making it uninhabitable. We found a flat, half the size, a lot more in rent, but so much nicer and it is in the nicer, posher end of our neighbourhood. It’s like staying in an AirB&B just with all our crap in.

Moving ate into my savings, but I survived that financial hurdle. I did have to borrow money off The Boy when I initially lost my job, but I have paid that back. I have prioritised saving, and every single financial hurdle that came my way from June 2018 onwards I successfully was able to pay and I did not accumulate a single penny of debt.

I lost 2.5 stone. I did the half marathon I was training for in a little under 3 hours, having returned from injury.

I recently ran my first ever 10k on the streets, as in not at an event, and I did it in my fastest ever time as well.

Nearly all of the goals I set at the beginning of 2018 I had achieved. Except one, writing a book.

I haven’t been doing much writing of any description in the last 6 months of 2018.

I don’t want to be all #newyearnewme but I am back baby.

2019 is the year I will become debt free (as long as I can keep hold of a job).

2019 is the year I will reach my target weight.

2019 is the year I will write my (first) book.

I’m back, you’re going to be seeing a lot more of me again.

 

Walls Come Tumbling Down

I was called by the agency I am with today to be told that the place I was working for have terminated my contract due to my sickness absence.

I am out of a job.

I do still have a weekend job, but that is not enough to pay the bills. It is not enough to clear my debts.

I am angry and bitter and sad and depressed and worried.

I feel like I am being punished for being happy this week.

All future plans are on hold.

 

In Sickness and In Health

I have been ill since Tuesday, as in called in sick for work ill.

Something I haven’t done for nearly 8 weeks, which I was feeling so proud of.

That’s not to say I haven’t been ill during that time, because I have. I had a cold, a real humdinger of one.

Then there were the three nights in a row of insomnia.

I have been struggling.

So on Monday I started coming down with what I thought was a cold, and I didn’t want to, but now that I am Flo 2.0 jobs, I decided that maybe it would be sensible if just this once I took a day off work to recuperate, as I didn’t want to be ill all week like it had felt like with the last cold.

So that was Tuesday, then I added Wednesday to the mix.

Today I felt that something was ‘wrong’ but I didn’t know if I was being a hypochondriac or a baby. The people in Job 1 (the Monday to Friday job) are tough. Unless your leg has fallen off they think you are being a weakling if you don’t plough on through an illness.

So I decided to go to the Doctor, mainly to be told I was being a baby and I was wasting the NHS’s time and money (something I really don’t want to do).

But the Doctor took one look at my throat and said ‘that’s very red’ and immediately started swabbing it, and asked if I wanted a sick note for another week, which I instantly went ‘aargh’ at and said ‘NO!’ which the Doctor wasn’t best pleased with. So she prescribed me an anti septic throat spray and said to come back when I was well enough for work, either work, to get the sick note.

So then there was an awkward phone call to work where my line manager was like ‘You have had a lot of sick days’ and now I feel about 2cm tall and bad, but in a perverse way I’m…happy?…that I am actually medically, not-in-my-head, not-being-a-baby, sick.

Except being ill feeds my anxiety, my anxiety that tells me I am going to be fired for being ill and that I have no job security and that I am horribly in debt and so on and so on.

Which does not help an unwell Flo become a well Flo.

I haven’t spoken much about my anxiety and my mental health on my blog for a long time because for the most part I have been doing great. I have felt on top of the world. I have been very happy and content and it was almost like I had the super power of good mental health.

But now I am trying to ignore the voice in my head that is screaming at me that I am a failure and rubbish.

Financial Review of Weeks 13, 14, 15, 16 (I’m sorry for the delay)

Here’s the thing about working 7 days a week. Even when the 6th and 7th days of working total just 8 hours you find you lack the time to get everything done.

My Blog has taken the hit.

I will proceed with the financial reviews:

FOOD AND HOUSEHOLD SHOPPING

Pizza, Pasta, Pasta Sauce, Cookies, Bread, Milk, Yogurt 8.35
Super Big Tesco Delivery 114.34
White Bread and Cucumber 1.15
Juice, Cheese Slice, Pasta, Pasta Sauce, Garlic Bread, Cheesecake, Bag for Life 8.14
Carrot Chips, Corn on the Cobs, Onion Rings, Chicken Strips, Chicken Popsters, Cheese Pizza x 2 11.98
Potatoes, Orange Juice, Carrots, Milk, Popcorn, Raspberries 5.99
Flu Powder, Face Wipes, Moisturiser, Hand Sanitiser 3.85
Toothpaste, Floss, Shower Gel, Handwash 4.86
Toothpaste, Soothers x 2, Vanish, Allergy Tablets, Toothbrush 7.45
Greaseproof Paper, Coconut Water x 4 2.75
Toothbrush Holder 0.29
Rolls and Lettuce 1.75
Spray Oil x 2, Laundry Cleanser x 2, Toilet Roll, Bag For Life, Laundry Bag 11.34
Massive Pizza, Jon Pizza, Cookies 6.5
milk 1.09
tortilla chips, rolls, cookies, gum 2.74
Milk, Carrots, Bag for Life 1.37
bread, doughnuts, garlic bread, lasagne, cucumber, parsnips, bag for life 6.6
Sweetcorn, Cheese Pizza 3.5
Orange Juice, Ice Creams x 2 3.9
Aqueous Cream, Hair Remover Cream, Bath Foam, Body Scrub, Razors, Face Masks x 3 7.87
Sprite Six Pack, Fanta Six Pack, Orangina, Garlic Pizza Bread, Canneloni, Bread, Cookies, Bag for life x 2 11.2
Colour Catchers, Cotton Pads, Toner, Hand Cream 6.56
Chicken Dippers, Marmite, Chicken Breast, Mince x 2, Peppers, Onion, Boy Pies 19.86
Prawn Crackers, Yoghurt 1.85

TOTAL SPENDS = £255.28 (WEEKLY AVERAGE = £63.82)

We are already over budget for this month of April and still have a week to go so it’s not going that well.

DISPOSABLE INCOME SPENDING

Milk for work 0.8 WORK EXPENSE
Gum 1.5 NON ESSENTIAL FOOD
Easter Egg for Jon 4 GIFTS
Prawn Sandwich 2.2 NON ESSENTIAL FOOD
Pie Minister 17 SOCIAL
2 x Sets of PJs 34.05 CLOTHING
Apple and Banana 0.67 NON ESSENTIAL FOOD
Tupperware From Paperchase 1 HOMEWARE
Ale 4.5 SOCIAL
Burger and Tea 10 SOCIAL
Pizza 6.5 SOCIAL
Shonen Knife T Shirt 15 CLOTHING
Make Up 30 MAKE UP
Subway 4 NON ESSENTIAL FOOD
Ale 3.65 NON ESSENTIAL FOOD
2 Pairs of Trousers, Exercise Tights and Top 24.05 CLOTHING
Let’s Eat Grandma Ticket 10 SOCIAL
Peach Green Tea Lemonade 3.35 NON ESSENTIAL FOOD
Chiropractice Groupon 23.95 HOBBIES – HEALTH
Food for Homeless person 4.28 GIFTS
Plastic Cutlery 0.75 WORK EXPENSE
Water and Mango Coca Cola 1.8 NON ESSENTIAL FOOD
Pint of coke 1.99 SOCIAL
Lipbalm 1.2 MAKE UP
Chewing Gum 0.45 NON ESSENTIAL FOOD
Sweets 3 NON ESSENTIAL FOOD
Train to Grangetown 3.4 TRAVEL (DAY TO DAY)
Paying Postage on an unstamped card 2 POSTAGE AND PACKAGING
John Lewis Gift Card 15 GIFTS
Chocolate Treats for Hedy 2.5 GIFTS
Money for the Nie-phews 20 GIFTS
Posting the Kids Treats 6.9 POSTAGE AND PACKAGING
Indian Takeaway 16 SOCIAL
2 x Flat Whites 4.8 NON ESSENTIAL FOOD
Tissues for work 0.39 WORK EXPENSE
Milk for work 0.75 WORK EXPENSE
2 x Beers 7 SOCIAL
Posting parcel to Chris 1.87 POSTAGE AND PACKAGING
Boots Meal Deal 3.39 NON ESSENTIAL FOOD
Kimono 4.99 CLOTHING
coffee and apple 3.15 NON ESSENTIAL FOOD
Five Guys Burger, Fries and Drink 12.15 NON ESSENTIAL FOOD
Donation to Ben 15 GIFTS
Cookies and Donuts for a homeless person 0.78 GIFTS
Milk for work 0.8 WORK EXPENSE
Boots Meal Deal 3.39 NON ESSENTIAL FOOD
Next Voucher For Tudor 10 GIFTS
2 x Books 9.98 HOBBIES-BOOKS
Manics Vinyl 20.04 HOBBIES-MUSIC
2 x Cocktails 8.45 SOCIAL
Five Guys for 2 25.45 SOCIAL
Ice Cream 2.5 SOCIAL
Gum 0.5 NON ESSENTIAL FOOD
Fixing Jeans 5 CLOTHING MAINTENANCE
Jeans 5.99 CLOTHING
Milk for work 0.8 WORK EXPENSE

TOTAL SPENDS = A LOT (£421.66/WEEKLY AVERAGE = £105.42)

I promise I will be better at blogging from now on.

Apricot, Almond and Pecan Granola (3 Step Granola)

I am ill with a cold, but luckily haven’t had any time off work ill since the end of February. I’ll take small victories where I can.

I generally have stomach issues, colds I get about once a year, so hopefully this is all I will have to put up with in 2018.

I have had trouble sleeping because The Boy has been away on a stag do and as soppy and as silly as it sounds I can’t get to sleep easily without him there. And being ill with a cold always gives me insomnia, so when I woke up at 4:50am this morning I knew attempting to get back to sleep would be futile, so I got up, watched some of the Commonwealth Games, and made Granola.

 

INGREDIENTS

350g Oats

70g Flaked Almonds

70g Pecans, chopped into small pieces

2 tsp Cinnamon

140g Dried Apricots, chopped into small pieces

250ml Honey

60ml Rapeseed Oil

METHOD

Add all the dry ingredients to a bowl and then add the honey and oil.

Mix together and spread out across two baking trays as thinly as you can.

Bake in an oven at Gas Mark 4 for about 30 minutes, mixing half way through (I also like to swap the trays around the shelves)

I think this is my best granola recipe yet.