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.

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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).

 

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 and Personal Review of January 2018

Hi Everyone!!!!

So it is now mid-February, so I think I can safely say I survived January, let’s look at how well I survived January, financially and personally.

Long time readers of my blog will know I do financial reviews of my spending and accounts each month, but I have decided I will reflect on how I have developed on a personal level, or something like that.

FIRST OF ALL MY DISPOSABLE INCOME SPENDING……

WORK EXPENSES (Milk, Coffee, Things for my Desk) = £7.08

HOBBIES – BOOKS = £13.98

TRAVEL (DAY TO DAY) = £26.70

CLOTHING = £51.13

SOCIAL = £44.35

HOMEWARE = £17.51

GIFTS = £8.18

HOBBIES – HEALTH = £4.50

TOTAL SPENDS = £173.43

Not bad, I think it is clear I need about £200 as a disposable income each month, just to cover all my expenses.

JANUARY 2018 ACCOUNTS

I also like to look at my money in versus my money out each month.

Let’s have a gander.

MONEY IN

Christmas Present Money £120

Wages £144

Loan £750

TOTAL = £1014

MONEY OUT

Bills £674.15

Expenses post Dec payday £55.55

Expenses Pre Jan payday £147.13

TOTAL = £876.83

MONEY IN – MONEY OUT = £137.17

So I was in profit in January, of sorts. I did have to borrow money off The Boy, so I was not really in profit, but at least I didn’t spend more then I had.

PERSONAL REVIEW

In January I posted 2 Recipe posts.

I had 13 No Spend Days.

I (think I) read 2 books. I know I read 1, which was Dave Ramsey’s ‘Total Money Makeover’ , I sense that I read another one but I can’t remember what it was. Either way I need to read more.

I went to the gym 8 times and had one personal training session.

I believe I had 4 days of illness, boooooo!

I ‘wombled’ £197.76

I lost 8.625 pounds.

A good start to the year, but I want to do better.

 

 

 

Financial Review of Week 6/52 2018

Hello all.

I am off work ill (again) which has finally made me realise I need to stop being so proud about not having had to see the Doctor since August 2017 and instead will have to go.

I realise my anxiety in the past has made me a bit of a hypochondriac and I didn’t want to waste any of the NHS’s money with my silly problems but the now persistent since the start of the year nausea, stomach cramps and retching have got to go.

And, no, I am not pregnant.

I am feeling a bit sorry for myself and anxious about letting my employer down which is counter productive to helping a painful stomach so I am trying to relax, but typically I am feeling the need to be some sort of productive, so let’s catch up on here.

FOOD AND HOUSEHOLD SHOPPING

I did a lot of little shops this week, and most of them were in Sainsbury’s, a store I typically don’t go into as the prices make me angry, but I had received lots of ‘Triple Nectar Point’ vouchers and I am trying to build up enough points in case Sainsbury’s do their Spring Double Up Deal (they cancelled it last year, but in the Autumn when they did it I scored these bargains).

Coleslaw, Cheesecake and Beetroot Shot £2.79

Baking Potatoes x 2 £0.63

Ketchup and Cucumber £2.30

Milk, Couscous, Beetroot Shot, Baguettes £4.19

Extra Virgin Olive Oil, Pizza’s x 2, Gin and Tonic Cans x 4, Milk, Honey x 3, Tortilla Wraps, Sweet Potatoes, Pasta, Baking Potatoes, Frozen Berries, Greek Yogurt, Cottage Cheese, Carrots, Parsnips, Bread, Rolls x 2, Eggs £25.23

The-Biggest-Box-Of-Rice-Krispies-In-The-World (1.1KG!!!) £2.68

TOTAL SPENDS = £37.82

(The Rice Krispies I bought because the 1.1KG box was cheaper than the 510g Box).

(I am now a bit addicted to Beetroot Shots).

(The honey was on special offer, that’s why I bought 3 of them).

DISPOSABLE INCOME SPENDING

HOBBIES – VARIOUS

Magazine and Newspaper £7.89

Race for Life 10k entry £14.99

GIFTS

Bag for life, Costa Coffee, Chocolate Bars x 3, Cheese Sandwich £4.70

Donation £2 

(Both the above were to a Homeless Man).

SOCIAL

2 x Drinks £6

Veggie Burger, Chips and Tea £8.05

TRAVEL (DAY TO DAY)

Return Bus Ticket £3

TOTAL DISPOSABLE INCOME SPENDING = £46.63

TOTAL SPENDING THIS WEEK = £84.45

Not the most expensive week I have had, but I am on a much lower income so I need to be careful.

Officially I am not on a No Spend Year anymore, so I can buy things like Magazines now, but I still feel guilty, even though I love them (It was Women’s Health Magazine, surely that’s better than buying … OK or Heat or something, right?).

 

 

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).