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.

Advertisements

I’ll Drink Anything, As Long As It’s Poisonous

I am re-reading Alexis Hall’s ‘In The Red’ for something like the 5th time this year. This is because when I feel that I have f***** up my life royally due to my debt (such as facing the crisis of my contract at work ending with no savings in the bank) then I like to take comfort in the tale of someone who has been there and done that.

I said to the boy that I wouldn’t say this year has been bad, but it has been one of my most challenging years (or certainly the most challenging non childhood trauma year).

I finally told the boy’s parents that my contract is ending and they said they would have worried in the past but they know I always get another job very soon, which I interpreted as ‘We’re used to you losing jobs, but somehow you survive’. I know they didn’t mean it like that, I just seem to only be capable of assuming the worst about myself.

I feel a lot more indestructible now that I have a raincoat. What’s that expression? There’s no such thing as bad weather, just the wrong clothes?

You know you are old as f*** when you get ridiculously excited by your raincoat. The last time I felt this excited about a coat was when I bought my fake leopard print fur coat. Despite the fact it doesn’t fit me I am still unable to part with it, as I am determined to fit into it again one day.

I have also contemplated buying another fake fur leopard print coat in a plus size and being done with it all.

Realising I have spent most of my 20’s overweight is startling. I will never get that time back. I want to be attractive.

No one has ever made a comment on my weight, apart from one person, who shall remain nameless.

The trouble is food is such an emotional thing for me. I need to be happy to lose weight. I say this because when I am low, or depressed, or my life is going down the toilet like it is now, then pretty much all that gets me through the day is knock off Bailey’s, or a cheeky cheese sandwich, or portion sizes that take liberties with the term ‘generous’.

I comfort eat, I stress eat, I may connect this desperate mastication to when I gave up smoking and used nicotine gum and now I associate the sensation with stress release.

The diet will have to start on Monday. We are having Chinese takeway for tea.

I am a Consumer, Therefore I Consume

I have been flexing my shopping muscles.

Restrained, considered purchases, contraband in terms of the no spend year but not wild and decadent items in them self, they were all practical, but still I have anxiety.

Things needed replacing in our house. The clock in the kitchen broke, we didn’t realise how essential it was to our ability to get ready until it was gone. The silicon whisk broke ages ago, but I had ‘fixed’ it, but then when a piece of the silicon found it’s way into one of my vegetable muffins I knew it needed replacing. We needed a tin opener, because our old tin opener took about half an hour and lots of strength to get round a tin.

The boy bought the clock, because he has money, whereas I have raided my penny tin several times already this month. The whisk and tin opener were partially funded by the household budget.

I bought an SD card for my phone almost exclusively funded with amazon vouchers, it cost me just £1.21 (which was primarily the postage). I needed that, yet it is still contraband according to my rules, but I am certain it will save me money in the long run as it will extend the life of my phone (and give me space for money saving apps).

And for a long time I have felt that I need a rain coat. Something that is light weight as it may rain all the time in the UK but it gets pretty humid when it does and I’m a sweaty Betty at the best of times. I wanted something that went past the waist as I had a rain coat in the past which ended at the waist which just meant all the water ran off the coat and into my pants. Fun times.

I decided to look at the Tesco website on the basis that I have been saving my Tesco Clubcard vouchers for 18 months and had a hefty £26.50 to my name.

(To anyone who is confused by this I’ll explain. Tesco’s is a big supermarket chain in the UK, I think they owned Fresh and Easy in the USA, and you can sign up for a free clubcard which gives you 1 point for every £1 you spend in their stores. I want to assure you I took advantage of some great deals they put on to gain extra points, and didn’t actually spend £2650 in their stores in the last 18 months)

So I looked on the Tesco’s website and there was a lightweight, yellow (I secretly wanted it to be yellow) rain coat which went past the waist, and yes it was £32 but I decided that the fact Tesco’s clothing range is called Florence and Fred and that the coat was sold out in every size apart from my own as a sign the Universe wanted me to have it.

So yes, I have spent £5.50 on a contraband item, AGAIN, but I feel good that the sum total of my spend on clothes this year has been £5.88 (£9.83 if you include a free item I ‘bought’ but had to pay postage for)

I think my shopping habits this year, whilst being a bit flexible with the rules of a no spend year, are a complete change for the better from the habits that got me into this mess of debt.

I am debating whether I am allowed to buy a orange scented reed room diffuser this Winter like I did last year which made me feel all Christmas-sy and made the Winter a bit more bearable. I know I’m not allowed, but maybe I can find a voucher somewhere for one.

It’s just with every purchase I make I feel anxious. I don’t feel tempted, I don’t feel ‘this feels great, let’s bend the plastic so far my credit card gets a spinal injury’ but I am scared of spending money now.

To be honest I am anxious doing anything financial apart from making money, which means it’s just as well I sold my two guitars today, one to the boy for £15 and one at a cash converters for £10 (it was a piece of crap).

I actually don’t mind selling my things at cash converters because in their buying department they have figurines of the wrestlers Jake the Snake and The Ultimate Warrior which makes me feel happy and like I am with kindred spirits.

I just want to say one more thing. Not including food/household purchases, which are split between the boy and me anyway, but if you take all the money I have paid towards my debts this year, and compare it to how much money I’ve spent on me this year, then I have spent about a third more paying back my debts then I have spending money on things like socialising and yellow-lightweight-past the waist-rain coats.

 

My goals for 2017 updated (and progress so far)

Hi Everybody,

At the start of the year the boy and I set individual goals and combined goals.

On our epic train journey back home yesterday I decided for s**** and giggles to have a look at them in my notebook and see how we are getting on.

I think the boy would be horrified if I posted his again, so lets just look at mine.

THESE ARE THE GOALS I SET FOR 2017 IN DECEMBER 2016

  1. Be able to fit into leopard print coat by Winter 2017.
  2. Pay off 2 credit cards or 1 credit card and £500 of my overdraft.
  3. Get a full time, permanent job.
  4. Take my health seriously.
  5. Blog consistently.
  6. (BONUS GOAL) Love the boy as much as humanly possible.

Let’s see how I am doing:

Be able to fit into leopard print coat by Winter 2017.

Well, I am not there yet. But I will be.

Pay off 2 credit cards or 1 credit card and £500 of my overdraft.

I think my aim here was to pay off £1000 of my debt this year. And my current debt repayment amount stands at £1196.15.

And the year isn’t even half way through.

Can I get a hooray?

Get a full time, permanent job.

Well, sort of. I have got a new job, one that I applied for and beat everyone else that was interview for, but, and I say this not to discredit it as it is a good job, but it is a fixed term contract job.

Take my health seriously.

I could do better at this. But I am trying.

Blog consistently.

Yep. There have been a few blips recently, but I’ve got this s*** covered.

(BONUS GOAL) Love the boy as much as humanly possible.

On the train I asked the boy how I was doing at this and he said I was failing miserably at it. He was joking. I hope.

If you had asked me how I was doing at achieving my goals I would have said I wasn’t doing very well at them, but look at what I’ve achieved! I’m going to smash the debt repayment total this year, and I’m making good strides in all the other areas.

Bring It On.

The ‘Non Essential Spends Only’ Birthday Money

For my birthday at the end of March the boy gave me £40 spending money with the instructions that it was for ‘Non Essential Purchases’ only.

Initially I was doing quite well, getting books for 37p (after vouchers), clothes for 38p (after vouchers) and hair bands because I needed hairbands, but I have decided to be strict with myself.

Because if I am honest, some non essential purchases have slipped in before and after my birthday that I hadn’t declared on the birthday money. Things which I could ‘sort of’ justify, but really at the end of the day I couldn’t in all fairness declare a No Spend Year if I allowed them.

For instance I recently bought some drinking glasses. I know I had allowed myself a small ‘Homeware’ budget as I don’t think the boy would be too impressed if, say, our tin opener broke and I refused to buy one before January 1st 2018, but I definitely was prohibiting mugs as a purchase this year (I have a mug addiction).

Drinking glasses which were definitely more style than substance are not an essential purchases.

So I clawed my way through my monthly expenses spreadsheets, looking for any purchases that made me feel guilty. Luckily because I have bought so little outside of social costs I knew where to find these expenses.

So my total birthday money spending goes like this:

Hairbands £1

Jeans and Shirt £0.38 (after voucher cost)

2 x Books on Amazon £0.37 (after voucher cost)

E Book on Amazon £1.08 

Coffee in January when I arrived early meeting the boy at his art class £3.10

Tea on my own in a cafe at Bristol Station a couple of weeks ago when I was seeing my brothers and mum £1.90

Baguette on my own at Bristol station that same weekend £3.49 (It’s gone up by 50p since last year, I blame Brexit)

Coffee in town on my own just because I had to hang around for the train station to open £2.60

Lunch at work one day when I had messed up my timings and had to buy something £3.44

2 x Mason jars to make my grown up vodka jelly look pretty and a glass tumblr to make my Friday Gin and Tonic pretty £1.50

4 x books, Vegetable scrubbing brush and a gift for my niece £1.36 (after voucher cost)

And finally today on my train journey travelling to my family home I bought a coffee £2.50. AND the train drink man tried to give me an old five pound note when they stopped being legal tender LAST WEEK. I wasn’t having any of it. I did have to say about five times ‘Could you swap it for one of the new five pound notes’ and naturally I found this really difficult, and I know that I could have taken the old five pound note to the bank to swap it but I couldn’t be bothered.

So total spends that I have deducted from the birthday money were £22.72 so I have £17.28 left.

The money had been sitting in its original envelope at home so earlier this week I took £20 of it, paid it into the bank and paid it off my credit card bill. I have a spreadsheet keeping track of the running total. OF COURSE I HAVE A SPREADSHEET FOR IT, I HAVE A SPREADSHEET FOR EVERYTHING!

So in full honesty and disclosure of naughtiness that is it this year in terms of spending that didn’t fit my predetermined ‘allowed’ categories and were very much ‘unessential’ purchases. So just over £20 has been frittered away this year so far, not bad. I used to do that in a 30 minute lunch break in 2015.

I have made £6 this week by doing surveys. I don’t use many survey sites, but there is one I like because you fill out lots of preliminary questions which means when you get sent a survey you won’t be screened out of it half way through as you have been pre-selected. This does mean you do less surveys than other sites might offer but it pays higher as well. I have enough points to exchange for a £5 Amazon voucher but I going to hold off till I reach £15 in points.

I have paid off £500 from my overdraft this year so far, which means it is half what it was in January, and thanks to that £20 payment earlier this week one of my 0% balance transfer cards is now under £1400, and my overall credit card/overdraft debt is under £5000 for the first time in, well, at least a year. I think I had been doing quite well initially in 2016 before the summer of the great unemployment.

I am about to enter a new chapter of my life. One where I am going to have to dig deep to pay back the boy, clear my overdraft, make my credit card payments AND save for Christmas (I have to save for Christmas as far in advance as I can).

I have been doing some prep by re-reading Michelle McGagh’s ‘The No Spend Year: How I Spent Less and Lived More’ on the train, which in true money saving style I borrowed from the Library.

I’ll be honest, I borrowed this book from the Library because it had some quite bad reviews on Amazon, but I really like it and I will own my own copy one day. I definitely would recommend it.

Last Friday I started a little mini challenge where I was aiming to spend less than £10 on household shopping for a week. It ended yesterday and I was 64p in credit! Huzzah.

My only plan this long weekend is to relax and maybe binge repeat watch Shop Well For Less and Save Money Good Food. My sister has told me she is getting rid of some cook books and if I wanted them and I was like ‘The f*** yes!’ So I hope to be coming back with some inspirational cook books.

Sayonara

690 Days

There are 690 days left before I turn 30.

I want my debt cleared by then.

Currently my Credit Card and Overdraft debt stands at £4920.83

I owe the boy £1011.75

Total = £5932.58

Divide that amount by 690 and it comes to about £8.60 a day.

If I could pay that everyday then my debt would be cleared by the time I am 30 which is my target date.

Trouble is that amount a day seems impossible.

I’m going to have to dig deep and use every money saving skill I have to clear the debt by that time.

I hope I can do it.

Financial Review of Week 18

On account of HAVING NO MONEY last week was a but skinny in terms of finances.

FOOD AND HOUSEHOLD SHOPPING

Milk £1.49

Bread, Bananas £2.09

Milk, Sweet Potatoes, Potatoes, Cottage Cheese, Mozzarella, Cucumber, Apples, Bananas £7.07

TOTAL SPENDS = £10.15

DISPOSABLE/DISCRETIONARY SPENDING

SOCIAL

Coffee £2.30

Burger £7

Coke and Beer £4.59

Bus £3

TOTAL SPENDS = £16.89

TOTAL COMBINED SPENDING = £27.04

Today I paid another £50 off my overdraft so it is now HALF what it was at the start of January.

I have paid off over £1000 of my debt this year.

Trouble is my debt to the boy is practically an equal amount, so I am back at square one.

I have decided to temporarily hold back on looking for a weekend job as I don’t think I could cope.

The trouble is my best option is to get a job closer to home so that I can save on the train fare.

I may have to apply for local jobs, after barely any time in my new job.

I have to do something, things are about to get tough, and worse before they get better.