Tag Archives: budgets

August 2017 Expenses

Yo everybody!

I am watching Extreme Cheapskates, it’s great, I’ve never seen this show before.

Anyway, now that I have the internet again I can finally do all the blog posts I have to catch up on.

Let’s see how I spent my disposable income in August!

POSTAGE AND PACKAGING = £43.03

I sold some stuff on Ebay, and I always include what I spent on postage as an expense, even though in theory the buyer is paying for it. I also bought some stamps and had to post some birthday presents to people.

GIFTS = £20.49

I bought some things for my in laws to say thank you for helping me with my taxes, I included the purchase of wrapping paper and bought a card for my mum.

SOCIAL = £38.24

August didn’t involve much socialising.

TRAVEL (VISITING) = £33.75

Bought train tickets to visit my parents in September.

TRAVEL (DAY TO DAY) = £14

I did better in August about not wasting my money on unnecessary bus journeys.

HEALTH = £4.55

On account of my crazy insatiable thirst thing I have now classified chewing gum as a health expense.

CONTRABAND = £21.17

This is better compared to July, but I have lost my way a bit.

TOTAL SPENDING IN AUGUST = £175.23

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August 2017 Accounts

Hi everybody.

August was a good month financially. But let’s see just how good it was (dun dun dun)

MONEY IN

Wages £1008.05

Tax Rebate £182.20

Ebay Sales £35.13

Selling books £19.03

TOTAL MONEY IN£1244.41

MONEY OUT

Bills £835.32

Expenses post July pay day £48.02

Expenses pre August pay day £155.40

TOTAL MONEY OUT = £1038.74

MONEY IN – MONEY OUT = £205.67

Another month where I was in profit, I’m doing good on the whole this year. That £205.67 is roughly what I paid in debt repayments.

 

FINANCIAL REVIEW OF WEEK 33

Hi everyone,

Let’s get to it.

FOOD AND HOUSEHOLD SHOPPING

Mayonaise, Lettuce, Cherry Tomatoes, Burger Buns £3.55

Paracetamol x 2, Hay Fever Tablets, Gum £2.16

Milk, Mushy Peas x 2, Cheese, Cottage Cheese, Eggs, Paprika, Sweet Potato, Potatoes, Cucumber £9.63

Orange Juice, Milk, Bread £2.59

TOTAL = £17.93

DISPOSABLE/DISCRETIONARY SPENDING

Travel (Day to Day)

Bus Tickets x 6 = £7

Health

Gum x 2 = £1.98

Contraband

5 Coffees and 1 Cake = £7.94

Postage and Packaging

Envelopes x 2 (£2)

Posting 2 Ebay parcels (£19.40)

TOTAL = £21.40

TOTAL DISPOSABLE SPENDING = £38.32

TOTAL SPENDING THIS WEEK = £56.25

 

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.