This Wonderful World of Purchase Power: Financial Review of Week 8/52 2018

Ahem.

I spent more on Thursday and Friday on personal spends then I have in some months. In fact it is very easy to say I spent more this week than I have in some months.

It was all stuff that I needed, and also included The Boy’s birthday present, but the thing was I couldn’t really afford to buy any of it, so I put it on my credit card, reasoning that I had about 6 weeks before the next statement and therefore next due date to find the money. I figured I would do it in instalments.

But it turns out that I have such an aversion to owing money that yesterday I paid the card in full, even though none of the items had cleared yet so my account will be in credit first.

It may mean that I have to not have any fun until I have money again, but I’m glad my debt is cleared.

Let’s get down to business.

FOOD AND HOUSEHOLD SHOPPING

Milk £1.10

Bread, Cookies, Garlic Bread, Chilli Spices x 2, Spaghetti Bolognese Spices x 2 £6.10

Milk, Margarine, Pizza, Baguettes x 2, Pasta Sauce, Crisps, Baking Potatoes, Stew Pack, Apples £8.96

TOTAL = £16.16

Now let’s move on to the B I G spends.

DISPOSABLE INCOME SPENDING

WORK EXPENSES

3 x Cartons of milk £1.79

NON ESSENTIAL FOOD

Jacket Potato and tea £6.70

Coffee and Biscotti £4.15

GIFTS

Sweets for a work colleague £0.75

The Boy’s Birthday Treat Number 2 £63

BEAUTY 

Hair cut and tip £25

Hair Mask, Special Hair Brush and Hair Clips £7.72

CLOTHING

Running Trainers £108.05

16 Pairs of Pants/Knickers (4 x 4 packs) £20

Dressing Gown and Slippers £22.50

SOCIAL

Baguette and Wedges £4.15

Comedy Gig Tickets £6.50

Indian Takeaway £16.10

HEALTH

Dentist appointment £14

TRAVEL (DAY TO DAY)

Bus Ticket £1.60

(Let’s add up this scary amount of money)

TOTAL DISPOSABLE INCOME SPENDS = £302.01 (!!!!!!!!!!!!!)

TOTAL COMBINED SPENDING = £318.17

The funny thing is we are now £1.31 over the food shopping budget after doing the weekly shop, and I knew we only had a little bit left so I was saying to The Boy I wanted to restrict our spending to just the essentials. The Boy, who has plenty of money began ‘It’s great that you have a food budget and that you do all this, but….”

‘You don’t want to be deprived because you have lots of money’ I said.

‘….Yes’

Now, in order to try and claw back some self respect from you all, I will go through my ‘wombles’.*

10% Discount on the Running shoes = £12

Multi Buy savings on the Hair Products = £1.25

Free Biscuits that The Boy has brought back from work = £1.25

Using vouchers I had earned on the Dressing Gown and Slippers = £22

Watching a film for free at the Cinema through volunteering = £7.90

Total savings this week = £44.40

So it could have been a lot worse.

*Womble = Saving money, getting money off, or getting something for free. Based on The Wombles, a UK Children’s TV show about furry creatures who ‘make good use of the things that they find’ (that is a line from their song, yes, they had a song).

 

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Financial Review of Week 7/52 2018

Hi everybody,

I would like to thank all my followers, old and new, for reading, cheers!

Let’s see how I foolishly wasted wisely invested my money this week.

FOOD AND HOUSEHOLD SHOPPING

IMG_7496

Ice Cream, Milk, Golden Syrup £3.84

Milk, Wash Tablets, Orange Juice, Cheese, Frozen Sweetcorn, Apples, Rice, Prawn Crackers £14.92

Poppadoms £1.45

IMG_7498

Coconut Water x 4, Pizza x 2, Naan Bread, Poppadoms, Cookies x 2, Pilau Rice, Quorn Pieces, Quorn Mince, Baking Potatoes, Agave Syrup, Greek Yoghurt, Cucumber, Chicken Fillets £16.16

IMG_7497

Laundry Cleanser x 2, Washing Machine Cleaner £2.97

Beer x 3, Milkshake, Chocolate Treats x 2 £6.50 

Bread, Beetroot Shots x 2, Cayenne Shot £4

TOTAL SPENDS = £49.64

DISPOSABLE INCOME SPENDING

HOBBIES – HEALTH

2 x Magazines £8.40

Sports Watch £5.99

Race for Life Pretty Muddy £20

Magazine £4

Resistance Bands £3.50

(Total = £41.89)

POSTAGE AND PACKAGING

Stamps £7.80

GIFTS

Thank you cards £2.98

The Boy’s Birthday Treat Number 1 £30

TRAVEL (DAY TO DAY)

Taxi £2 (The Boy gave me £5 towards it)

Bus £3.40

HOMEWARE

Memory Box £2.49

SOCIAL 

Meal out with The Boy £20

CLOTHING

Work Trousers £5

Exercise Trousers £8

NON ESSENTIAL FOOD

Coffee £2.70

TOTAL DISPOSABLE INCOME SPENDING = £84.37 

TOTAL COMBINED SPENDING = £134.01

Financial Review of Week 5/52 2018

Hi Everybody,

The house needed restocking of food, apparently, despite the cupboards being full, but I think I just have ‘new month = new stock’ as a train of thought in my head.

This week I had some pretty good bargains, or ‘wombles’ as I call them. I bought a £61.65 Amazon order which contained:

  • A meat thermometer and raw meat chopping board (as although I don’t eat meat The Boy wants to introduce some real meat into his diet instead of frozen and probably inhumanely reared meat).
  • A Mother’s Day present for both my Mum and Step Mum.
  • A birthday present for my friend’s nearly 1 year old daughter.
  • A birthday present for the friend above.
  • A copy of the Queen album ‘Jazz’ as I own it on Vinyl but not CD.

This order only cost me £1.65 as I used £60 in vouchers I had earned through my side hustles.

I also ‘wombled’ the below:

The Linguine and Ground Almonds I received from a friend who had listed them on OLIO, and the beers were given to us from The Boy’s parents as they were leftover from a meal we had together on Friday.

Lets get on to my spending this week.

FOOD AND HOUSEHOLD SHOPPING

Macaroni £0.56

BIG ONLINE FOOD SHOP £64.61

Tomato soup x 2, Milk, Greek Yoghurt, Margarine x 2, Microwave Rice x 4, Food and Freezer Bags, Frozen Peas, Gum, Frozen Fruit, Night Cream, Quorn Pieces, Mozzarella, Spaghetti, Tomato Puree x 2, Stew Pack of Veg, Cucumber, Celery, Apples, Cheese Rolls, Naan Bread, Cherry Tomatoes, Lettuce, Bread, Poppadoms, Eggs £24.76

TOTAL SPENDS = £89.93

DISPOSABLE INCOME SPENDING

GIFTS

Amazon order £1.65

TRAVEL (DAY TO DAY)

Bus £3

Train to Newport £5.30

HOBBIES – HEALTH

Padlock for gym locker £4.50

SOCIAL

Pie and Cider £13.80

Takeaway Chinese £15

TOTAL DISPOSABLE INCOME SPENDING = £43.25

TOTAL SPENDING THIS WEEK = £133.18

 

 

Financial Review of Week 4/52 2018

This week has been great, but in the last hour I have made a clumsy and costly mistake.

You see those cards in the photo? A nice stash of Birthday, Mother’s Day, New Baby etc cards.

I totally spilt coffee on them.

Now I have to weigh up how cheap I am versus how much I don’t want to give my friends birthday cards that have coffee stains on them. Hmm.

In fact this weekend I have been a bit clumsy. I knocked the cottage cheese on to the floor and broke the tub, I pinched my finger on the pump on the hand wash and I forgot to buy Greek yogurt so I had to go back to the shops.

I did manage to buy some rainbow carrots though which I am looking forward to trying.

I am currently up to 12 No Spend Days, so I have met my monthly target, and I may score a few more before the month is out.

Let’s see how I spent my money this week.

 

FOOD AND HOUSEHOLD SHOPPING

Milk £1.09

Stock Powder £2.54

Baking Paper and Handwash x 2 £2.57

Diced Frozen Onion £1.29

Clearisel Face Scrub, Clearisel Face Wash, Bleach x 2, Cistern Blocks x 2, Mouth wash £13.99

Sardines x 2, Mackerel, Cheese x 2, Aerosol Cream, Cucumber, Rolls, Bread, Mozzarella, Baby Potatoes, Potatoes, Cottage Cheese £12.93

Pizza x 2, Milk, Chocolate Desserts x 3, Greek Yogurt x 2 £11.04

TOTAL SPENDS = £45.45 

 

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

2 x Single Bus Tickets £3.20

1 x Day Bus Ticket £3

(Total = £6.20)

HOBBIES – BOOKS

Tinned Fish Cook Book £2

SOCIAL

Jacket Potato £6

GIFTS

Various Birthday cards £5.35

WORK EXPENSES

Milk for work £0.80

TOTAL SPENDS = £20.35

 

TOTAL COMBINED SPENDING THIS WEEK = £65.80

I think that was a pretty lean week, but I will be expecting bigger spends next week as I have a food delivery coming. And I am planning on ordering a bumper Amazon order for upcoming birthday’s and Mother’s Day tomorrow so will probably spend at least a couple of quid then (I have a lot of vouchers to use).

Financial Review of Week 46

Hmmmmmmm.

Something is amiss.

As I went to do my weekly transmitting of bar code’s to Shop and Scan I noticed that I had 13 food shopping receipts.

One show I love is Eat Well For Less on the BBC. On this show they take a family who are struggling with their food bills (although one family of four was spending £14000 a year on their grocery shopping, which may stretch the traditional definition of ‘struggling’) and every show the family is asked how much they spent and how many times they went to the shops. And the poor family never get it right.

And I would feel a little flabbergasted and be like ‘How can you not know?’ as I have a meticulous record of everything I have spent since April 1st 2015.

Well….

I have this saying which is ‘I write things down in my diary so I don’t have to remember’

So I had no idea I made 13 food shopping transactions this week.

And I don’t know how much I spent. I will soon find out how much I spent, as I do have the records, but I’m going to play a game and make a guess now.

I guess that I spent around £40 on food this week.

I guess that I spent around £40 on non food things this week.

Let’s see how far off the mark I am.

FOOD AND HOUSEHOLD SHOPPING

Batteries, Rice x 4, Prunes, Toilet Cleanser £4.63

Soup x 2, Bread Rolls, Eggs, Mincemeat, Food colouring x 2, Treacle £8.85

Milk, Self Raising Flour, Carrots £2.16

Sweetcorn, Demerara Sugar, Paprika, Soft Brown Sugar, Spaghetti £5.10

Laundry Cleanser £2.99

Scampi £1

Rice Krispies, Orange Juice £3.69

Sandwich tins x 2, Bramble Jelly, Baking Tray £2.25 (Used a £5 off Voucher)

Teabags, Milk, Bread £4.24

Naan Bread £0.49

Milk, Orange Juice, 2 x Men’s Shower Gel, 3 x Hand Wash, Frozen Broccoli, Quorn Pieces, Apples, Baking Potatoes, Sponges, 2 x Cheese Rolls £10.35

TOTAL = £45.75

So in this category I have spent more then I thought I had. So that’s one I’ve got wrong.

Let’s see the disposable income now.

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND

Weighing myself £0.70 (my scales are broken and I am trying to keep track of my weight, it is so far not going well)

Coat Hangers £2.99

4 items of clothing £2

TOTAL = £5.69

SOCIAL

Coach to Birmingham to see Queen in December £40.20 (ok, so my guess is completely f***** now)

GIFT

Present for friend £2

2 x Cards £1.18

TOTAL = £3.18

POSTAGE AND PACKAGING

Envelope £0.75

Posting Present to Friend £3.40

TOTAL = £4.15

HOMEWARE

Plant tray £1.74

CLOTHING MAINTENANCE

Re-soling shoes £14.95

Fixing 2 items of clothing £8

TOTAL = £22.95

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £77.91

TOTAL COMBINED SPENDING THIS WEEK = £123.66

So I was out on my guess about the food spends by about 14%, and I was out on my guess of my disposable income spending by a huge near 95%.

Let’s is, oh, how do I say it? TERRIBLE.

Given that I now only have about £4.65 in my wallet, and about £9 something in my savings, and still no job, I may have to look at selling some more stuff.

Financial Review of Week 45

Hello all.

This is the last of these till Sunday when I do a review of this week’s spending, how exciting (not).

FOOD AND HOUSEHOLD SHOPPING

Big Tesco Shop £61.86

Marmite £2.25

Toilet Roll £3.99

Milk and Bread £1.85

Probiotic £8.09

Lots of tins, Lots of noodles, Lots of tea £12.85

Coleslaw, Gum, Icing writing pens £5.34

Milk, Chocolate, Sandwiches, Mozzarella, Cucumber, Bread £7.57

Crisps, Potatoes, Tomatoes, Sweetcorn £4.25

Pizza £3.90

TOTAL SPENDS = £111.95

DISPOSABLE INCOME SPENDING

GIFTS

10 x Coffee Jars for Food Bank = £7.90

New Baby Cards £1.38

(Total = £9.28 )

CONTRABAND

Money tin £2.39

Weighing myself £1

It’s a Wonderful Life DVD £7

Coffee £3.05

(Total = £13.44 )

POSTAGE AND PACKAGING

Posting card to my cousin in America £2.27

SOCIAL

Indian Night £8.05

Dessert £2.50

(Total = £10.55 )

TOTAL DISPOSABLE INCOME SPENDING = £35.54

TOTAL COMBINED SPENDING LAST WEEK = £147.49

Well, I’ve definitely run out of money now, I think this week will show much leaner spendings.

 

Financial Review of Week 44

I’ve got a lot of catching up to do regarding these weekly reviews so let’s crack on.

FINANCIAL REVIEW OF WEEK 44 (October 30th – November 5th)

FOOD AND HOUSEHOLD SHOPPING

(Things the boy bought whilst I was away)

Chocolate, Fries, Pizza, Pepsi £7.29

Plasters £1

Strawberries £1.49

Chicken, Orange Juice, Bread Rolls £3.81

Flu Max, Cold Remedy, Deodorant x 2 £5.50

Pizza and Cherry Tomatoes £4.75

Milk, Butter £2

(Things I bought once I returned)

Frozen Chicken, Chicken Dippers, Chicken Tikka £11

Chickpeas x 3, Carrots, Parsnip, Potatoes, Apples, Bananas, Grapes, Sausages £9.98

TOTAL SPENDS = £46.82

DISPOSABLE INCOME SPENDING

GIFTS

Food things for my parents £6.17

Mother in Law’s Birthday Present £19.14

(Total = £25.31)

SOCIAL

Train fare to meet friend £6.90

Train fare to meet Aunt £4.50

Train fare to meet Granddad £3.40

Beer £5.20 

Round of drinks £15 

Takeaway Pizza £7

Contribution to Petrol £5

Breakfast £9

Train home £5.10

(Total = £61.10)

CONTRABAND

Lunch £4.09

Tea £2.10

(Total = £6.19)

TOTAL DISPOSABLE INCOME SPENDING = £92.60

TOTAL COMBINED SPENDING THIS WEEK = £139.42

A lot of money was spent, but I was ‘sort of’ on holiday.