Financial Review of Week 49

Hi everyone,

A little later then usual, let’s see how I am spending my money as the year winds down.

FOOD AND HOUSEHOLD SHOPPING

Worcestershire Sauce, Apple Sauce, Black Olives £2.80

Flaked Almonds £1.49

2 x Packets of Scampi Bites £2

Milk, Eggs, Bread, Chives £4.44

Milk, Sweetcorn, Poppadoms, Quorn Pieces, Butter, Cheddar, Eggs, 2 x Soup, Rolls, Cheese Rolls, Naan Bread, Carrots, Tomatoes, Celery, Lettuce, Cucumber £15.48

Fruity Chilli Sauce £4

2 x Pizza’s and Coleslaw £8.06

TOTAL = £38.27

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND

Weighing myself £1

CLOTHING MAINTENANCE

Dry cleaning coat £14.90

TRAVEL (DAY TO DAY)

Several Bus Tickets = £7.60

SOCIAL

Burger, Chips, Onion Rings, Tea £9.69

Macaroon Making Night £20

Beers £6

Beer and Lemonade £4.85

Burger, Chips and Coca Cola £14.60

Beer £5.50

Arcade Game £1

2 x Beers £7

Mulled Wine £3.50

(TOTAL = £72.14)

TOTAL DISPOSABLE INCOME SPENDING = £95.64

TOTAL COMBINED SPENDING = £133.91

The food spending wasn’t too bad, the social costs were high because I went out four times that week (once with the boy and his sister, once with the boy, and twice with the boy, my brother and brother’s girlfriend).

I am coping just about financially, I hope this week turns out good.

 

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How I Saved £20 and Joined My Community

There is a great little neighbourhood scheme called ‘Next Door’ which I am a member of.

Yes, despite being really socially anxious around people I don’t know I also desperately want to be a part of my community. This city may not be where I was born, but it is now my adopted city and I want to be a part of it.

So I joined Next Door, and people in my local area can post notices, or warnings, or ask for advice such as ‘Recommendations for a reliable gardener?’ and generally I just use it to keep up to date with what is going on in my neighbourhood. A couple of weeks ago my neighbour’s car was broken into and I advised them to post a notice on Next Door so the locals could be aware, and potentially come forward if they see anything.

Anyway, I discovered on Friday that there is an advertisement’s area of the website, and I saw that someone a few streets away was advertising a collection of about 20 mixed gift bags, all for free.

As I had 4 bottles of booze to wrap in bags, I requested the gift bags immediately and collected them on Saturday morning. I met a neighbour, I saved some money, I helped my neighbour recycle/declutter, what’s not to like?

I have saved myself at least £5 on the four bottle bags alone.

I just have to remember to take off the already used labels!!!!

Christmas Preparation Part 2

Today I put up the Christmas decorations. They are very minimal as The Boy is more ‘Bah Humbug’. Just a bit of tinsel round the stairs and these fairy lights in the living room.

And still he went ‘What the hell?!’ when he got home from work.

I have posted all the family Christmas cards. I have come in under budget. Last year I spent nearly £50 on postage and packaging, this year it has been less than £30 (but I do still have a birthday present to post).

I am watching my lesser favourite Christmas films, I am building up to the big ones, my two favourites are Muppet’s Christmas Carol and It’s a Wonderful Life. I don’t want to dilute the magic.

I have worn 2 of my Christmas jumpers, watched Die Hard 1 and 2, Miracle on 34th Street, baked Christmas cookies, volunteered at a food bank, put up the decorations, wrapped the presents and posted the cards.

Next on my to do list are to make proper gingerbread, mince pies, finalise The Boy’s family gifts, wear the remainder of my Christmas jumpers, watch more Christmas films and drink more Christmas booze (amaretto and cranberry juice, Irish cream, alcoholic ginger beer, mulled wine etc)

Cheapskate Puttanesca

Hi everyone,

In a bid to use up my stores I discovered a tin of plum tomatoes that expired in September. Knowing that I have the house to myself tonight I decided to make a puttanesca sauce, but wanted to do it on the cheap.

Don’t get me wrong, I don’t usually look for reasons to not eat anchovies and capers, but after introducing sardines to my diet back in the summer (when I realised how cheap they are) I noticed they had an extremely similar taste to anchovies, but are generally half the price.

Next time you make a puttanesca sauce, why not give sardines a go? A tin is 33p in Lidl (I am now obsessed with Lidl).

November 2017 Accounts

I’m sorry to bombard you all with financial posts, but end of month = end of month financial posts.

This is where I compare the money that came in during November against the money that went out.

It is not pretty.

MONEY IN

Wages £1248.96

Money left in account £5

Selling kitchen appliances £10

The boy’s share of my family’s presents £40

Counsellor being away for 2 weeks, thus no sessions £30

Savings £20

TOTAL = £1353.96

MONEY OUT

Expenses post October pay day £87.33

Expenses pre November pay day £169.13

Bills £1103.96

Extra spends on the food budget £12.23

TOTAL = £1372.65

MONEY IN (£1353.96) – MONEY OUT (£1372.65) = -£18.69

So, it could have been a lot worse. But I still got into debt last month. That’s hardly surprising since my job ended and I was unemployed, but I still don’t like it.

 

Financial Review of Week 48

Here we are Baby, the final month of the year.

There are exactly 4 weeks left.

Aye Carumba!

Enough time for one final push towards glory.

Or something…

Anyway, let’s look at how I spent my money this week.

FOOD AND HOUSEHOLD SHOPPING

Irish cream, Milk, Cauliflower, Rolls, Naan £7.90

Mulled Wine Spices £0.50

Milk, Orange Juice, Cheddar, Margarine, Coconut Milk x 2, Chopped Tomatoes x 2, Mango Chutney, Cottage Cheese, Mozzarella x 2, Cherry Tomatoes, Bread, Poppadoms, Parmesan, Carrots, Baking Potatoes, Lettuce, Cucumber £18.12

Biscuits x 2, Cereal Bars x 2, Rolls £2.80

Big Food Shop at Morrison’s £51.95

Pizza x 2, Milk, Spaghetti x 2, Baking spread, Eggs, Rice x 3, Naan, Mini Naan’s, Tomato soup x 2, Sardines x 2, Salmon, Baking Potatoes, Frylight, Cucumber, Cheese Rolls, Wholemeal rolls £18.02

TOTAL SPENDS = £109.14

It’s not bad, as we still have over £100 of the food budget left at this point, which, if recent months are anything to go by, is extremely rare.

DISPOSABLE INCOME/DISCRETIONARY SPENDING 

SOCIAL

2 x Burrito’s £12.40

POSTAGE AND PACKAGING

Posting off driving license £1.75 and leftover Christmas stamps £5.60 (£7.35)

TRAVEL (DAY TO DAY)

Bus ticket £3

TOTAL DISPOSABLE SPENDING = £22.75

TOTAL COMBINED SPENDING = £131.89

I’ve had worse weeks.

 

November 2017 Expenses Breakdown

Hi Everyone,

A new month has begun, that means I get to look over how I spent my money the previous month.

Let’s have a look.

NOVEMBER 2017 EXPENSES BREAKDOWN

SOCIAL = £97.15

This seems like a lot, but most of it was the coach tickets to Birmingham.

CONTRABAND = £25.32

Not as bad as some months, but still money spent on unessential things.

GIFT = £27.65

Most of this was my Mother in Law’s birthday present, then a few cards for cousin’s who have recently had babies, and a few treats for my parents when I stayed with them.

POSTAGE AND PACKAGING = £13.77

Leftover Christmas stamps that I will now use for personal use, posting a present to my sister and posting off my driving license.

HEALTH = £0.30

The 30p was the fee to use the toilet at Victoria Coach Station in London.

HOMEWARE = £1.74

A plant tray for our slowly dying plant.

CLOTHING MAINTENANCE = £22.95

Re-heeled a pair of shoes and fixed the stitching on two items of clothing.

TOTAL SPENDS = £188.88

Could be worse, but is still nearly £200 when I didn’t have any money.