Tag Archives: finances

Let’s Celebrate

After yesterday’s post on here I received a notification from WordPress which informed me that I had just made my 200th post.

That means I have averaged over 1 post a day, which is great as I know there are around 5-10 days when I didn’t post this year.

I started this blog years ago. I posted sporadically at best during those years. I didn’t have dedication or discipline to post everyday.

I decided to use this blog space (I was still paying for the domain name after all) to blog about my debt free diary and my no spend year.

I thought all I would do was post about my finances, as that is what interested me.

But it became more than that.

I didn’t want to depress people, but I started having bad blips and bad moments of anxiety and I changed my medication to try and help me cope with that. I wrote about those days. I noticed that they got more attention than any of my previous posts, which I only mention because it made me realise there are others like me.

There are other people suffering from anxiety, social anxiety, depression, mental health difficulties, borderline personality disorder and the like.

I received comments, and I treasured each one, because it made me feel in a small way that I was reaching people and maybe in some small way I was helping.

I feel desperate, sad, bad about myself and the future. But one thing I don’t feel is alone.

So you may read this blog for all the talk on money saving and my financial weekly reviews, you may read it for the cheap and easy recipes and for preventing food waste, you may just be here for the daily posts of someone who finds the world a constant and daily struggle. You may be here because I have occasionally mentioned books and who doesn’t like books?

Whatever you are here for, I’m glad you are reading.

Please let me know why you visited today, what you like, what you dislike, whether you think I have too many spelling mistakes (I do try to keep them to a minimum) or whatever. Send a Haiku.

Thanks for stopping by. Here’s to my next 200 posts.

 

MAY 2017 FINANCIAL ACCOUNTS

Hi everybody,

So you have seen how I spent my money, but how did my money spending add up in May?

Well I prepped this a few days ago as I do my accounts from Pay Day to Pay Day.

Let’s see if I was in profit or not.

MONEY IN

Wages from work £366.56

Self Employed Wages £72.50

Leftover Money in account before payday £61.70

Selling Books on We Buy Books £36.46

Savings £20

Sealed Pot Booty £90

TOTAL MONEY IN = £647.22

 

MONEY OUT

Gift to Bestie at her wedding £100

Bills £685.71

Expenses before end of May Pay Day £49.91

Expenses after April Pay Day £40.72

TOTAL MONEY OUT = £876.34

Money in – Money out = £229.12

The negative amount was covered by the fact that I borrowed £400 from the boy, but I decided to not include this as I wanted to be clear that I got into debt last month.

So there we have it, the first month I got into debt.

Booooooooooooooooooooooo!

 

 

Financial Review of May 2017’s Disposable Income Spending

Hi everybody,

It’s the end of the month which means ‘END OF MONTH FINANCIAL ANALYSIS’ which is all fun and games in the Flo Household.

Let’s look at how my money left my wallet this month.

SPENDING

SOCIAL COSTS = £49.64

GIFTS = £15.05

POSTAGE AND PACKAGING = £12.57

TRAVEL (DAY TO DAY) = £11.50

TOTAL SPENDING = £88.76

Quite frankly this month was a struggle, and the good news is this month is also going to be a financial struggle what with my odd £20 of fun time spending money left.

Well, I have proven to myself that I can survive on £100 a month spending money.

But I much prefer spending double that.

Financial Review of Week 21

Hi everybody!

Sorry for the absence, today is a bumper version of the Financial Review of the Week as it will also include the finalised ‘My Best Friend’s Wedding’ budget spreadsheet.

So here goes:

FOOD AND HOUSEHOLD SHOPPING

Bread, Squash, Pattie £2.75

YEP, That was the only food expense in the house this week.

So that leads me on to the food budget…We ended the month with a total expenditure of £166.44 meaning for the first time ever we were in budget by a good amount…£33.56 to be exact.

Which we spent on a Five Guys meal on Thursday. We know how to live.

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

4 x Bus Tickets to work = £4

Bus ticket to town centre in home town £4.90

SOCIAL

Tea £2.15

Toby Carvery £10

Millionaire Shortbread £1

Uncle Sam’s £7.10

There are three reasons why the boy comes to visit my family with me in my hometown and they are:

  1. Wimpy
  2. Toby Carvery
  3. Uncle Sam’s

2 out of 3 aint bad.

GIFTS

Treats for my Dad and Step Mum £7

TOTAL SPENDING THIS WEEK £36.15

 

AND THE BONUS BUDGET…..

BEST FRIEND’S WEDDING

When I found out my Best Friend was going to get married I predicted that the full costs of everything were going to be around the £500 mark.

Instead the full costs of everything was £335 and here is how the costs broke down:

HEN PARTY (TRAVEL TO, FOOD, DRINKS, ACTIVITY COSTS) £153.75

DRESS AND ACCESSORIES £0 (These were paid for by my friend)

TRAIN FARES (ALL RELATED COSTS) £49.25

PRESENT £100 (I had one of those sealed pots which I had been putting money in for nearly a year, I cashed it in at the start of May and had £90 which I rounded up to £100, to any friend’s reading this I want you to know I will do the same for your wedding/important life event 🙂 )

TAXI’S £8

DRINKS £24 (I had a great time with gin and American Pale Ales that were so local they were brewed on the site of the wedding)

So that was the week that was.

In order to pay back the boy as quick as possible I have got myself into a ‘cash flow’ problem as I now have only £36.16 to spend until next payday, A MONTH AWAY.

Which normally would be plenty but…..

I am going to a football match

We are celebrating the boy’s Dad’s birthday

I have to buy a father’s day present

I am going to a gig

I want to get a close friend a birthday present

Things will be tough, but I’m sure I will survive.

I don’t really have a choice.

 

Financial Review of Week 20. Ta-Dah!

Hi everybody,

Sorry for my maudlin posts yesterday. Life has been getting a bit on top of me recently. I must try and focus on what I can control and change and not what I can’t.

Any who…

FINANCIAL REVIEW OF WEEK 20

FOOD AND HOUSEHOLD SPENDING

Milk, Pasatta x 2, Mozzarella, Bananas and Bread £3.46

Pizza £1.50

Rice Krispies £2 (the boy refuses to try an own brand of his cereals)

Grapes, 2 x Chilled Pasta Sauces (the boy was shopping!), Cheese £8.88

Batteries, Olbas Oil, Throat Sweets, Paracetamol, Vitamin C tablets £9.15

Baking Potatoes, Naan Bread, Poppadoms, Frylight, Tuna can £3.91

Milk £1.45

Sausages, 2 x Garlic Baguettes, 5 Carrots, Apples, Bananas, Prawn Crackers £6.47

2 x Toothpaste £2

TOTAL HOUSEHOLD SHOPPING = £38.82

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

Bus ticket £1.60

SOCIAL

Onion Rings £1

Lunch £5.80

GIFTS

Cakes £2.80

Card £2.75

Total Disposable Income spending = £13.95

SPECIAL BONUS CATEGORY! THE BOY’S ‘NON ESSENTIAL PURCHASES ONLY’ BIRTHDAY MONEY

Tea on train £2.10

Tights for wedding £4

Total spend = £6.10

 

TOTAL MONEY SPENT THIS WEEK!!!!

Food/Household = £38.82

Disposable Income = £13.95

Birthday Money = £6.10

£58.87

 

BUDGETS AND HOW THEY STAND

Food and Household shopping = £36.31 LEFT

Birthday Money = £3.48 LEFT

My Disposable income = £2.45 LEFT

That’s right, I had to borrow £2.45 from the household shopping wallet to buy the card for the wedding next weekend. I am in debt. Any debt is unsatisfactory to me.

Payday is Friday, less than a week. I just have to make it till then with NOTHING in my wallet.

My plan for today is to batch cook some pasta for my lunches this week and I’ll probably schedule some time in my day to panic and worry about work.

I have made a deal with the boy. Whenever I say something mopey, or negative, or depressing or whatever I have to do two minutes on the exercise bike.

I came up with this idea at about 1pm and already I have to do 20 minutes.

The idea is not so much to punish me, but I went for a gentle jog walk today and I was in a pretty bad way beforehand and afterwards I felt much better.

Like they say in Legally Blonde ‘Exercise gives you endorphin’s, endorphin’s make you happy, happy people don’t go out and shoot their husbands’.

 

 

 

 

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.

 

Financial Accounts for April 2017

I thought it might be helpful to compare my money in during April, and the money that went out.

MONEY IN

Wages £1206.26

Birthday Money £90

Savings £20

Disposable income allowance £75

Extra Money £23.70

Money for Birthday £100

Money from Savings £295

TOTAL = £1809.96

 

MONEY OUT

Bills £1206.26

Expenses post March Pay Day £26.08

Expenses pre April Pay Day £323.58

Overspend on food budget £41.28

Train Tickets £76.10

Train Ticket £18.30

 

TOTAL MONEY OUT = £1691.60

 

MONEY IN (£1809.96) – MONEY OUT (£1691.60) = £118.36 profit.

 

So once again I seem to be in profit, which is good, but where is the money?

I think it is safe to say I wouldn’t be a very good accountant.