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.

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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.

 

 

 

 

October 2017 Accounts

So I got into debt in October. I have paid the debt in full, but I’ll explain how it happened.

MONEY IN

(A quick recap. I do my monthly expenses posts based on the full calendar month, but my accounts posts run from payday to the day before the next payday).

WAGES £1215.03

PRESENT £50 (My dad sent me the money probably because he felt sorry for me)

SAVINGS £1.15 (Yes, that was the total of my savings)

SEALED POT £4.58 (This was one of those money tins that is hard to open)

TOPCASHBACK £20 (For switching energy suppliers)

LEFT OVER MONEY IN ACCOUNT £6.97

TOTAL = £1297.73

 

Now time for the less fun bit.

MONEY OUT 

Excess Food Budget Spends £51.67 (Seriously went over last month)

Expenses Post September Payday £47.09

Expenses Pre October Payday £313.58 

Bills £1142.50

TOTAL = £1554.84

 

MONEY IN (£1297.73) – MONEY OUT (£1554.84) = -£257.11

So I got into £257.11 of debt last month. This was the excess spends on my credit card I referred to in my previous post (see here if interested). I have paid that off in full now, so I am back to square one.

No more additional debt, just the horribly big underlying amount.

 

October 2017 Spending Review

Hi Everybody!

(I always begin these posts with ‘Hi Everybody!’ to try and attract attention for the posts which historically get the least views)

So time for an analysis of how my disposable income was spent in October. This is what I was calculating on my spreadsheet at 11.50 pm yesterday.

GIFTS £37.68

The majority was gifts for my work colleagues, a birthday present for a friend and a few treats for my parents.

CONTRABAND £97.80

Ok, so if I am doing a ‘No Spend Year’ I think it is fair to say that has been truly scrapped and it is fairer to call it a ‘Low Spend Year’.

This is high, and a lot of it could have been avoided. But it did include £34 on bra’s after it transpired I have been wearing the wrong size for somewhere between 3-6 years. I think you can forgive me for that.

By the way ladies, do get your breasts measured professionally. I have the happiest breasts ever now that they are safely and comfortably encased in a bra that support and fits and I don’t have to pull up the straps every 30 seconds.

Anywho…

TRAVEL (DAY TO DAY) £17.60

Not bad, but all of those journeys could have been avoided if I had been less lazy.

HEALTH £10.67

Travel insurance to see Queen in December and gum, lots of gum. (Gum has been classified as a health expense because I have increased thirst due to my medication and chewing gum helps with that).

SOCIAL £130.16

Not bad, well actually it is a lot of money, but I had a good time.

TRAVEL (VISITING) £107

Going to see my parents ‘daan sarfff’ (Down South, but in a south coast accent) and going to see my sister in Norwich (I don’t have that accent). This could have been a lot higher but I decided to get the coach to Norwich as it was only half the cost of the train and would only take 8 hours….

TOTAL SPENDS = £400.91

So, disclosure time.

About 5/8ths of that spending was put on my credit card. I have paid that credit card in full, but I had slipped into the habit of buying things when I didn’t actually have the money to buy them.

I am a bit scared of this, so didn’t put the food shopping on the credit card either like I have been doing recently as I don’t want to be reliant on it. I may put it somewhere safe at home.

When I applied for the credit card I set up the direct debit to be paid in full each month as I knew that if I did fall into bad habits that would force me to keep on the straight and narrow. It works a bit like a charge card.

Next up will be a post about my October 2017 accounts, so I have warned you.

 

Financial Review of Week 43

Hi everybody!

Well it is only three days late, here is the financial review of last week.

FOOD AND HOUSEHOLD SHOPPING

(Quite frankly an indecent sized) Pizza £3.65

Milk, Cheese, Toilet Roll, Bread, Bag for Life £5.96

B I G Online Morrison’s Food Shop £55.96

TOTAL = £65.57

This is reasonable, unfortunately the Boy may have run amok whilst he was at home alone what with me being away and I will come home to find receipts for all sorts of fancy crap.

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING 

SOCIAL

Tea and 2 x Lime and Soda’s £3.40

Curry Night £10

Supplies for visiting family £14.22

Water and Chocolate £2.67

Train to Brighton £6.90

Tea and Cake £4.30

2 x Glasses of Wine £7.90

TOTAL = £49.39

Not bad considering payday happened. That usually causes me to bend the plastic friend.

 

TRAVEL (DAY TO DAY)

5 x Bus Tickets £5.60

 

CONTRABAND

Cardigan (It is BEAUTIFUL though!) £4.99

Sandwich £1.50 (The sandwich was not beautiful)

Coffee £1

Sandwich £2.50

Coffee £1

Roll £2.30

2 x Sandwiches £3.20

Coffee £2.30

Coffee £2.59

Money Wise Magazine £3.95 (In theory it should save me money, right?)

TOTAL = £25.33

Am I Joey Tribbiani? I seem to eat a lot of sandwiches.

 

HEALTH

Lots of gum £6.46

Travel Insurance £2.23

TOTAL = £8.69

 

GIFT

2 x Tea and a Coffee £6

 

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £95.01

TOTAL COMBINED SPENDING THIS WEEK = £160.58

Ok, so you know what I was saying about my spending not being bad?

Yeah, I screwed up.

 

 

Financial Review of Week 42

Hi everyone.

It’s time to confess.

My mental health hasn’t been great recently and I have been spending.

The thing is, what I am buying is all essential things. Food, toiletries etc.

BUT, we are so shockingly over the ‘Food and Household Shopping Budget’ that it seems laughable to say we ever had a budget in the first place.

I don’t get it, I am only buying what we need, yet the cost of living seems to be so high that it is impossible to stick to the budget.

I really don’t get what has happened.

This is very worrying, because as we all know, on Thursday it will be my last day at work, and unless my life gets a deux ex machina plot device soon it is safe to say I will be unemployed for an as yet indeterminate amount of time.

Anyway, let’s look at how the money has left my wallet this week.

FOOD AND HOUSEHOLD SHOPPING

Pizza £2

Paracetamol, Throat Sweets, Milk £1.35

Face wipes, Plasters, Face Wash, Face Scrub, Mouth Wash, Toothpaste, Day Cream, Razors, Hand Cream, Moisturiser, Paracetamol £26.66

Bag for life, Cereal Bars, Cereal x 2 £7.77

Cheese, Soup x 5, Blue Cheese, Milkshake, Bread Rolls £9.46

Foil, Potatoes, Reed Diffuser, Rice x 4, Paracetamol, Lingerie Wash Bag £8.16

Squash, Orange Juice, Sweet Potatoes, Carrots, Sausages, Cucumber, Bread £8.17

Meat Pies £2

TOTAL SPENDS = £65.57!!!!!!

I’ve spent less on a monthly food shop online at times!

 

Moving swiftly on…

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING 

CONTRABAND (So to recap, these are purchases that go against my rules for the No Spend Year I am doing)

Wraps x 2 £2.65

Sandwich £1.99

Sandwich £2.99

(Total spends = £7.63)

GIFT

Biscuits and Booze £15.82

TRAVEL (DAY TO DAY)

Bus tickets x 4 = £4

TRAVEL (VISITING)

Coach fare to visit Sister in November £45.80

SOCIAL

Train to Bristol £3.90

Water, Gum and Brownie £3.13

Pasty and Wedges £7.28

Coke £3

Cider x 2 £5.30

(Total = £22.61)

TOTAL DISPOSABLE INCOME SPENDS = £95.86

TOTAL COMBINED SPENDING THIS WEEK = £161.43

Erm, that’s a lot of wonga.

Which I don’t have.

I need to get a grip.