Tag Archives: budgets

Financial Review of Week 32

Hello everyone.

Delayed due to internet issues, here is the financial review of the week previous to this one (7th – 13th August)

FOOD AND HOUSEHOLD SHOPPING

Orange Juice, Twirl Bars, Cucumber £2.35

Danish Pastries, Frozen Broccoli, Milk, Celery, Courgette, Bananas, Leeks, Cereal Bars, Carrots, Bread, Pasta Sauce £10.44

Chicken Tikka, Steak Pies, Frozen Peppers £6.29

TOTAL SPENDS = £19.08

 

DISPOSABLE/DISCRETIONARY SPENDING

GIFTS

Gift bag £1.29

Lip balm and hand cream £4.90

Cookies £1

Wine £5

Card for my Mum £2.50

TOTAL = £14.69

TRAVEL (VISITING)

Train fare to visit family = £33.75

TOTAL DISPOSABLE/DISCRETIONARY SPENDING = £48.44

 

TOTAL SPENDING WEEK 32 = £67.52

 

FINANCIAL REVIEW OF WEEK 31

So you have just read about how I wasted my money in the whole of the month of July, but how did I do this week?

Let’s take a stroll through my spending.

FOOD AND HOUSEHOLD SHOPPING

Milk and ‘healthy’ crisps £2.49

Mouthwash £3.99

Cucumber, Celery, Courgette, Chocolate, Cereal Bars, Ice Cream, Sausages, Tomatoes, Bread Rolls £9.34

Takeaway Chips £1.80

Face wipes, Naan Bread £1.49

Frozen Peas, Frozen Sweetcorn, Blueberries (which I froze) £4

Hay Fever Tablets, Paracetamol, Ibuprofen, Interior Dehumidifier x 2 £2.81

Bread, Poppadoms, Carrots, Baking Potatoes, Mozarella x 2, Sweet Potatoes, Bananas £6.59

Milk and Scampi bites £2.45

TOTAL SPENDS THIS WEEK = £34.96

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND/I F***** UP

Coffee and Gum £1.79

TRAVEL (DAY TO DAY)

Bus ticket £1

POSTAGE AND PACKAGING

Postage box and envelope £2.88

Posting two presents £6.30

(Total = £9.18)

GIFTS

Wrapping paper x 2, Gift Bag, Anniversary Cards x 2 = £6

SOCIAL

Burger, Coke and Pint of Bitter £10.70

Coffee Bean Ice Cream Sundae (I have no regrets) £5.95

Berry Soda £3.85

(Total = £20.50)

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £38.47

TOTAL COMBINED SPENDING THIS WEEK = £73.43

Things are about to get a whole lot tighter because I have to do my taxes next week, yowza’s.

I actually love doing my taxes. It’s one of my favourite days of the year. I definitely should have been an accountant.

 

 

JULY 2017 EXPENSES ANALYSIS

Hi everybody,

A new month has begun, autumn is on the way which means by extension WINTER IS COMING!

I know, we are still in Summer, but I am always very excited for Autumn. I don’t know why but maybe because a school year always begins in September the start of Autumn always feels like a new beginning to me.

Anyways, time to analyse the disaster that was July.

If anyone is reading my blog for the first time I’ll give you a little bit of context. I am doing my version of a ‘No Spend Year’ with many things being off limit for purchasing, which I totally threw aside in July.

Also in July I was half way through a 28 day sick leave absence from work due to stress and anxiety. So that may have affected why I disregarded my No Spend Year rules.

Final bit of context is I am doing a No Spend Year because I am in debt. Boooo!

So here is how I spent my money in the month of July.

Let’s start off with the contraband purchases:

CONTRABAND/I F***** UP

(Ahem) £77.73!!!!!!!!!!!!!!!!! (This was made up of takeaway coffees, work canteen lunches, a couple of breakfasts I had to buy as I was lazy/unorganised)

Moving swiftly on…

HOMEWARE £1.98 (Batteries and white board markers)

GIFTS £6.37 (A selection of cards for various occasions and a packet of biscuits for a friend)

SOCIAL £72.64 (So really I could have socialised twice as much if I wasn’t wasting money on the things in the contraband category)

POSTAGE £43.05 (I sold a lot of things on ebay, and yes, I charged for postage, but they way I see it is I had to have that money in order to post things in the first place)

HEALTH £14 (I went to the dentist)

TRAVEL (DAY TO DAY) £18 (This I feel bad about as I didn’t actually need to do any of these bus journeys, I could have walked if I had been more organised with my time)

So July, it happened. It happened badly. But I am making good progress in August and have had 4 No Spend Days out of the first 6 days of August (A ‘NSD’ is exactly what it sounds like, it’s a day when I didn’t spend any money on anything, not even something like milk).

 

 

 

Financial Review of Week 26

Hey everybody, it’s Sunday, that means it’s reflection time on the week’s finances.

As this was a payday week the food budget amounts will be greatly inflated as I always do a monthly food order as soon after payday as I can. So don’t be too shocked.

So here we, here we, here we f****** go.

FOOD AND HOUSEHOLD SHOPPING

Stardrops, Herbal Teas x 4, Basil, Chia Seeds, Brazil Nuts, Ice Lollies, Tinned Salmon x 2, Tinned Tuna x 2 £10.67

Mars Bites, Rolls, Doughnuts x 2, Crisps, Margarine £4.98

Salmon Ready Meal £2.01

Ice Cream, Strawberries, Pattie, Cheese £7.05

BIG TESCO ONLINE FOOD SHOP £91.39

Conditioner £0.75

Microwave Rice, Spices, Wraps, Marmite, Sponges, Yellow Dusters, Tissues, Face Wipes, Face Wash £12.28

Courgette, Baking Potatoes, Sweet Potatoes, Bananas, Rolls, Bread £5.85

Milk, Seeds, Dried Mixed Fruit, Avocados, Spinach £7.63

Toilet Cleaner, Cherry Tomatoes, Tinned Mango £2.19

Cucumber, Orange Juice, Mozzarella £1.76

Milk £1.49

TOTAL = £148.05

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

Bus ticket £3.60

Bus Ticket £3

Total = £6.60

THE ‘I F***** UP’ CATEGORY

Cereal Bar £1.10

SOCIAL

Coffee and Lime and Soda £2.50

Drink £4.50

Drinks £10

Taxi £5.90

Burger £10.95

TOTAL = £33.85

HOMEWARE

Battery for scales £0.99

GIFTS

21 x Birthday Cards and a New Home Card £3.29

TOTAL DISPOSABLE INCOME SPENDING = £45.83

TOTAL SPENDING THIS WEEK = £193.88

A lot of money, but then pay day week is always hefty on the spends.

 

 

 

6 MONTH SPENDING ASSESSMENT

Hi guys,

We are now halfway through the year, scary times at Ridgemont High!

So although I tend to assess my spending mainly across a tax year, I have also been keeping track of my spending across a more standard January – December 2017 year because why have one spreadsheet when you can have two!

Lets have a look at how I wasted/invested my money in the first half of 2017.

HEALTH = £15.79

GIFTS = £214.64

POSTAGE AND PACKAGING = £26.95

TRAVEL (VISITING) = £42.50

TRAVEL (DAY TO DAY) = £91.10

HOMEWARE = £31.75

SOCIAL = £714.76

DEBT (LIBRARY FINE) = £0.60

WORK EXPENSE = £24.23

BEST FRIEND’S WEDDING = £335

TOTAL 6 MONTH SPENDING = £1497.32

I am also £17.05 over budget on the, ahem, I F***** UP category.

So, £1514.37 is a more accurate total.

BUT, BUT, BUT …..

My total debt repayments this year so far, across my credit cards, overdraft and the money I owe the boy are:

£2094.37

So yes, if I had been doing a true No Spend Year like Michelle McGagh did then I would have nearly doubled my debt repayments, but I certainly wouldn’t have been as happy.

And I think nearly £2100 is good, isn’t it?

I mean, it’s certainly not bad, considering my expenses each month.

So whilst I may have a broken mind that likes to see danger in every situation, at least I have done good on my debts.

 

 

JUNE 2017 EXPENSES – How did my money get spent in June?

Well another month has passed, it is time to look at how my money got spent in June, what categories, how much, etc.

SOCIAL

Social costs in June = £81.73

TRAVEL (DAY TO DAY)

Travel costs = £38.30

GIFTS

Gift costs = £30.07

And now the category I affectionately refer to as the I FUCKED UP category.

I fucked up costs = £20.53

(This means my ‘I FUCKED UP’ category costs are now at £17.05 over budget, so I need to earn that amount and send it to my debts in order to ‘reset’ the balance)

So it is another month done, another month I survived, another month where I didn’t use a credit card.

The Travel Costs are far too high as many of them I could have walked if I had been more organised with my time.

The gift costs would have been about right if I had spent them all on my friends and family but it included some costs which could have been avoided.

The Social costs are less then I have spent some months and I feel good that I have been able to see as many people as I have without spending that much. It has been good for my mental health.

All in all it wasn’t the worst month for spending, I need to be a bit more disciplined though.

Financial Review of Week 21

Hi everybody!

Sorry for the absence, today is a bumper version of the Financial Review of the Week as it will also include the finalised ‘My Best Friend’s Wedding’ budget spreadsheet.

So here goes:

FOOD AND HOUSEHOLD SHOPPING

Bread, Squash, Pattie £2.75

YEP, That was the only food expense in the house this week.

So that leads me on to the food budget…We ended the month with a total expenditure of £166.44 meaning for the first time ever we were in budget by a good amount…£33.56 to be exact.

Which we spent on a Five Guys meal on Thursday. We know how to live.

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

4 x Bus Tickets to work = £4

Bus ticket to town centre in home town £4.90

SOCIAL

Tea £2.15

Toby Carvery £10

Millionaire Shortbread £1

Uncle Sam’s £7.10

There are three reasons why the boy comes to visit my family with me in my hometown and they are:

  1. Wimpy
  2. Toby Carvery
  3. Uncle Sam’s

2 out of 3 aint bad.

GIFTS

Treats for my Dad and Step Mum £7

TOTAL SPENDING THIS WEEK £36.15

 

AND THE BONUS BUDGET…..

BEST FRIEND’S WEDDING

When I found out my Best Friend was going to get married I predicted that the full costs of everything were going to be around the £500 mark.

Instead the full costs of everything was £335 and here is how the costs broke down:

HEN PARTY (TRAVEL TO, FOOD, DRINKS, ACTIVITY COSTS) £153.75

DRESS AND ACCESSORIES £0 (These were paid for by my friend)

TRAIN FARES (ALL RELATED COSTS) £49.25

PRESENT £100 (I had one of those sealed pots which I had been putting money in for nearly a year, I cashed it in at the start of May and had £90 which I rounded up to £100, to any friend’s reading this I want you to know I will do the same for your wedding/important life event 🙂 )

TAXI’S £8

DRINKS £24 (I had a great time with gin and American Pale Ales that were so local they were brewed on the site of the wedding)

So that was the week that was.

In order to pay back the boy as quick as possible I have got myself into a ‘cash flow’ problem as I now have only £36.16 to spend until next payday, A MONTH AWAY.

Which normally would be plenty but…..

I am going to a football match

We are celebrating the boy’s Dad’s birthday

I have to buy a father’s day present

I am going to a gig

I want to get a close friend a birthday present

Things will be tough, but I’m sure I will survive.

I don’t really have a choice.