Tag Archives: finances

JULY 2017 ACCOUNTS

I do my accounts from payday to payday so it’s time to assess how I did financially last month.

ACCOUNTS

MONEY IN

Leftover money in account £15

Wages £1218.42

Ebay Sales £55.95

We Buy Books £56.12

Cheque from my Aunt £25

Selling Bike £20

Ziffit £26.46

The boy buying some of my books £5

Holiday spending money £20

Ebay Sales £46.59

Gum tree £15

TOTAL = £1503.54

 

MONEY OUT

Bills £1174.18

Food Budget overspends £1.45

Expenses post June Payday £25.90

Expenses pre July Payday £185.75

TOTAL = £1387.28

 

MONEY IN (£1503.54) – MONEY OUT (£1387.28) = £116.26 IN CREDIT

Which is about what I made in payments towards the debt I owe the boy.

Another month where I didn’t get into debt.

Life is ok.

 

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Financial Review of Week 30

Another week, practically another month.

I survive, but barely. I have gone spectacularly off the rails. I need to get a grip.

Anywho….

FOOD AND HOUSEHOLD SHOPPING

Fake Feta, Milkshake for the boy, Orange Juice, Red Onion £2.86

Bag Charge, Icecreams, Milk, Bread £3.10

Big Tesco Food Shop £69.09

Tupperware £4

Cookies for the boy £1

Three shower gels £4.47

Microwave rice, Interior dehumidifiers, ‘ladies items’, shower gel, hand wash, toilet roll £15.75

Frozen onion, frozen peppers, 2 x pizzas £6.58

White sauce, tikka masala sauce, mango chutney, raspberries, grapes, cake, apples, mackerel snack pots, bananas, parsnip, carrots, red onion, baking potatoes £13.77

Eggs and posh cheese £6

Big Morrison’s food shop £48.65

Bread and cucumber £1.85

TOTAL SPENDS ON FOOD/HOUSEHOLD STUFF THIS WEEK = £182.71

Yowza’s!

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

5 X Bus tickets = £5

CONTRABAND/I F***** UP

Can of Rio before counselling £1.50

Coffee x 2 = £2

Breakfast x 2 = £4.60

Gum x 3 = £2.37

Lunch £5.30

Snacks £5.44

Hot chocolate £2.50

TOTAL = £21.21

SOCIAL

Cocktails £8.75

Burger, chips and a diet coke £15

Americano £2.15

TOTAL = £24.90

TOTAL DISPOSABLE INCOME SPENDING = £51.11

TOTAL SPENDING THIS WEEK = £233.82

I have spent far too much money.

I need to cut myself off from things.

I need to return to my values.

 

Financial Review of the week that just was (week 28)

Yep, another week has gone by and now you all have to sit through the weekly blog post about how I wasted my money and how I can’t make that mistake again (until next week).

Ahem.

FOOD AND HOUSEHOLD SHOPPING

Pizza and Salad £2.95

Microwave rice x 4 and a packet of dates £2.65

Milk, Orange Juice, Danish Pastries, Bananas, Carrots, Bread, Brazil Nuts £9.54

Ice Creams £1.47

Baking Potatoes, Ice Creams x 8 (don’t judge us), Pizza, Frozen Broccoli, Apples, Cucumber £8.57

Milk, Pies £3.45

Carrots £1.35

Cider £4

Pastie £4

Strudel £3 (the last three items were at a food festival)

Eggs £1.20

Sweetcorn, Scampi £2

Naan, Poppadoms £1.48

Paracetamol x 2, Toothpaste x 2 £4.36

M&M’s, Choco Leibniz, Spinach £3.55 (I’ll explain, the boy goes crazy for Choco Leibniz so whenever they are on offer I get him some, I am not allowed any, therefore the M&M’s are for me)

TOTAL SPENDS = A LOT (£53.57)

 

DISPOSABLE INCOME SPENDING

You may notice a certain category appearing again.

CONTRABAND/I F***** UP

Notebooks x 3, Runner’s World Magazine, Gum, Coffee, Coffee £11.89

TRAVEL (DAY TO DAY)

Bus Tickets x 3 £5

POSTAGE AND PACKAGING

Envelopes and Posting Various Parcels £10.45

TOTAL SPENDS = £27.34

TOTAL SPENDS LAST WEEK = £80.91

Yep, goodbye money, hello work house.

 

Financial Review of Week 27

Hi everyone,

A bit later than planned but here is my financial review of the week.

FOOD AND HOUSEHOLD SHOPPING

Batteries, Tape, Vitamin B pills, Ibuprofen, Hay Fever Tablets, Bath Salt £6.35

Magnesium tablets and Pro Biotics £12.28

Cereal Bars x 3, Bananas £3

Omega 3 Tablets £5.99

Hayfever Tablets, Paracetamol £1.13

Garlic Baguette and Pasta Ready Meal £2.82

Laundry Cleanser and Yellow Gloves £3.87

Bread Rolls £1

Total Spends = £36.44

 

DISPOSABLE INCOME SPENDING

HOMEWARE

Whiteboard Markers £0.99

POSTAGE AND PACKAGING

Envelopes £2.24

Posting Various Ebay Parcels £11.94

Boxes £3.18

Posting Various Parcels £6.80

(Total = £24.16)

HEALTH

Trip to the dentist £14

CONTRABAND (ALSO KNOWN AS THE ‘I F***** UP’ CATEGORY)

Bikini Wax £10

Flip Flops £3

Green Juice £4.20

Old Time Recipe Books £2

(Total = £19.20)

SOCIAL

Chinese Takeaway £10.75

Ice Cream £2.75

(Total = £13.50)

TOTAL DISPOSABLE INCOME SPENDING = £71.85

TOTAL COMBINED SPENDING LAST WEEK = £108.29

A bit of a spend-tastic week, but it did involve a weekend away with the family and two No Spend Days so it could have been worse.

Financial Review of Week 26

Hey everybody, it’s Sunday, that means it’s reflection time on the week’s finances.

As this was a payday week the food budget amounts will be greatly inflated as I always do a monthly food order as soon after payday as I can. So don’t be too shocked.

So here we, here we, here we f****** go.

FOOD AND HOUSEHOLD SHOPPING

Stardrops, Herbal Teas x 4, Basil, Chia Seeds, Brazil Nuts, Ice Lollies, Tinned Salmon x 2, Tinned Tuna x 2 £10.67

Mars Bites, Rolls, Doughnuts x 2, Crisps, Margarine £4.98

Salmon Ready Meal £2.01

Ice Cream, Strawberries, Pattie, Cheese £7.05

BIG TESCO ONLINE FOOD SHOP £91.39

Conditioner £0.75

Microwave Rice, Spices, Wraps, Marmite, Sponges, Yellow Dusters, Tissues, Face Wipes, Face Wash £12.28

Courgette, Baking Potatoes, Sweet Potatoes, Bananas, Rolls, Bread £5.85

Milk, Seeds, Dried Mixed Fruit, Avocados, Spinach £7.63

Toilet Cleaner, Cherry Tomatoes, Tinned Mango £2.19

Cucumber, Orange Juice, Mozzarella £1.76

Milk £1.49

TOTAL = £148.05

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

Bus ticket £3.60

Bus Ticket £3

Total = £6.60

THE ‘I F***** UP’ CATEGORY

Cereal Bar £1.10

SOCIAL

Coffee and Lime and Soda £2.50

Drink £4.50

Drinks £10

Taxi £5.90

Burger £10.95

TOTAL = £33.85

HOMEWARE

Battery for scales £0.99

GIFTS

21 x Birthday Cards and a New Home Card £3.29

TOTAL DISPOSABLE INCOME SPENDING = £45.83

TOTAL SPENDING THIS WEEK = £193.88

A lot of money, but then pay day week is always hefty on the spends.

 

 

 

JUNE 2017 EXPENSES – How did my money get spent in June?

Well another month has passed, it is time to look at how my money got spent in June, what categories, how much, etc.

SOCIAL

Social costs in June = £81.73

TRAVEL (DAY TO DAY)

Travel costs = £38.30

GIFTS

Gift costs = £30.07

And now the category I affectionately refer to as the I FUCKED UP category.

I fucked up costs = £20.53

(This means my ‘I FUCKED UP’ category costs are now at £17.05 over budget, so I need to earn that amount and send it to my debts in order to ‘reset’ the balance)

So it is another month done, another month I survived, another month where I didn’t use a credit card.

The Travel Costs are far too high as many of them I could have walked if I had been more organised with my time.

The gift costs would have been about right if I had spent them all on my friends and family but it included some costs which could have been avoided.

The Social costs are less then I have spent some months and I feel good that I have been able to see as many people as I have without spending that much. It has been good for my mental health.

All in all it wasn’t the worst month for spending, I need to be a bit more disciplined though.

June 2017 Accounts

Hi all.

Payday was yesterday, time to look at the last month’s accounts.

JUNE 2017 ACCOUNTS

MONEY IN

Wages = £1661.03

Savings = £20.03

Refund = £0.67

Selling books = £31.64

Loan from The Boy = £35

Cheque from my Mum on account of me having a breakdown = £100

TOTAL = £1848.37

MONEY OUT

Bills = £1541.03

Expenses = £183.58

Overspends on food = £88.55

Counselling Session = £25

TOTAL = £1808.16

MONEY IN (£1848.37) – MONEY OUT (£1808.16) = £40.21

And for once I think it adds up because that £40.21 is about what I made in overpayments to one of my credit cards last month. So for once I think I got my accounts right. Huzzah.