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.

 

 

 

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Be Prepared to be Bored…6 Month Expenditure Comparisons

I decided that on the 1st of April 2015 I would start keeping a thorough spending diary. I said that this was because it was the start of a new tax year but really it was because I hadn’t had the idea in January.

I never expected to keep it up, but I did. And since that date not a single purchase has gone unnoticed.

I decided for sh**s and giggles to do a spending review at the end of September 2015, which sounds like I had given it a lot of thought but really it was because I hadn’t actually kept track of the spending in any formalised way, I had just shoved the receipts in a folder.

And then I decided to divide the spending into categories as by that point I had fallen in love with spreadsheets (they still remain one of the loves of my life).

I won’t bore you with gory details, but let’s look at some stats concerning my disposable income and food/household spending.

APRIL 2015 – SEPTEMBER 2015 TOTAL SPENDS = £3105.35

APRIL 2016 – SEPTEMBER 2016 TOTAL SPENDS = £3670.45

APRIL 2017 – SEPTEMBER 2017 TOTAL SPENDS = £2856.16

 

So this means…

Average spend per month (on food and fun times) in April 2015 – September 2015 = £517.55 

Average spend per month (on food and fun times) in April 2016 – September 2016 = £611.74

Average spend per month (on food and fun times) in April 2017 – September 2017 = £476.02

So compare this year, the ‘no spend year’ to the first year I started keeping records and my spending has decreased by £41.53 a month (or just over 8%). This is a saving of £249.18 during that time period.

Compare this year to last year, when I went off the rails during my four months of unemployment, and my spending has decreased by £135.72 a month (just over 22%). This is a saving of £814.32 during the same time period.

So for all my struggles with money, for all my cheeky contraband purchases now and again, for all my blog posts that begin ‘I have 72p to last me until payday’ this is clear, hard evidence that my sacrifices have been worth it, that I am making great strides towards paying off my debts, that I am doing well.

Can I get a pat on the back now?

Financial Review of Week 36

HI EVERYBODY!

I don’t plan on leaving the house today, I’ve got too much desperate-search-for-a-new-job to keep me going. Plus I’ve got to batch cook my work lunches, it will be lentil based I’m sure, I just don’t know what. I am going to look through my cupboards later for inspiration.

So here, a little early, is the financial review of this week.

FOOD AND HOUSEHOLD SHOPPING

As it was Zero Waste Week this week I wanted to go Monday-Friday only buying Milk and Bread and saving other items for the weekend shop on the basis we had SO MUCH F****** FOOD in the house.

We achieved that.

Mon-Fri

Milk and Bread £2.09

Sat

Milk, Yoghurts x 2, Sweet Potatoes, Potatoes, Cucumber, Parsnip, Carrots £6.10

Toilet Roll £3.99

Kitchen Roll, Coat Hangers, Electric Toothbrush Replacement Heads £9.97

Frozen Onion and Frozen Sweetcorn £2.29

Sponges, Bread Rolls, Mozzarella x 2 £2.40

TOTAL FOOD AND HOUSEHOLD SPENDS = £26.84

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

Bus Tickets x 5 = £5

CONTRABAND

2 x Rolls = £4.60

Chocolate Bars x 3 = £1.50

SD Card for Phone £1.21

Rain Coat £5.50

TOTAL = £12.81!!!!!!!! (YOWZA’S)

HEALTH

Gum x 4 = £3.96

POSTAGE AND PACKAGING

Posting Birthday Presents x 2 = £4.70

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £26.47

TOTAL COMBINED SPENDING THIS WEEK = £53.31

Let’s look at some stats.

I have £16.05 left of the food and household shopping budget with…ahem…16 days until it resets. I think we may be eating dust for a part of that time if we want to remain in budget. I know there are all those challenges where you live on £1 a day, which I am tempted to try

In terms of my disposable income left I have….£0. Well, I do have some money in my bank account, but I want to do some damage control first to see how much I have left after bills are taken out (I get my final statement of the month tomorrow) and I may be in debt already as I owe the boy some money for a football match ticket we are going to in October. So I’m guessing part of today may involve selling everything I own on Ebay.

I was talking to my counsellor last Monday about my money troubles and she offered to reduce the rate down to £15 a session, which I initially said no to, but man I am so tempted, but I think there is a real chance I may become unemployed soon so I may save the offer till then when I will really need it.

Things are going to get tough. We are on the descent to Christmas, an event I pretty much have to plan in January in order to figure out how I can afford to do it. I have a large family, plus the boy’s family, plus certain key friends, plus the boy to all consider. I like to send Christmas cards to everyone and anyone and have many family members living overseas. I also have family members who have birthdays either in December or January and I include them in the Christmas budget. Plus there is the Boxing Day Football match, train tickets to see my family who live in the South of England, plus wrapping paper!!!!

All in all I think Christmas will cost me around about £500, and I will have to subsidise a lot of that with vouchers I earn through survey sites. It will be tough, but possible.

 

 

Financial Review of Week 34

Howdy everybody.

Week 34 involved payday, so that meant we could buy food again without doing any ‘creative accounting’.

FOOD AND HOUSEHOLD SHOPPING

Vitamins, Stock Powder and Dried Figs £15.27

Rice, Naan, Poppadoms and Wraps £7.68

Meat for the boy, Frozen peppers and onions £10.29

Listerine, Toothpaste, Dental Floss £10.95

Milk, Sweet Potatoes, Chocolate Chips, Cucumber, Baking Potatoes, Bananas, Bread £7.15

BIG ONLINE FOOD SHOP 1 £59.21

BIG ONLINE FOOD SHOP 2 £45.87

Tupperwares and baking trays £6.56

Ice Cream, Apple Pie, Coconut Oil, Eggs £11.09

TOTAL = £174.07 (YIKES!)

 

DISPOSABLE/DISCRETIONARY SPENDING

CONTRABAND

Coffee £2.35

Gum and Sandwich £5

Sandwich and Chocolate Bar £2.89

2018 Diary £0.99

TOTAL = £11.23

TRAVEL (DAY TO DAY)

Bus Tickets x 5 = £7

SOCIAL

Takeaway Pizza whilst watching WWE Summer Slam £10

Treats for Summer Slam £3.19

Wetherspoons Dinner £4.55

TOTAL = £17.74

HEALTH

Gum £1.58

Gum £0.99

TOTAL = £1.57

POSTAGE AND PACKAGING

Postage and Packaging on order £1.49

12 First Class Stamps £7.80

2 x Envelopes, 3 x Postcards £3.16

TOTAL = £12.55

TOTAL DISPOSABLE SPENDING = £50.09

TOTAL COMBINED SPENDING = £224.16

Quite a hefty week spends wise. I will have to rein it in a bit the rest of the month.

I mean, I don’t really have a choice. I don’t have enough money left to have that sort of week again.

 

FINANCIAL REVIEW OF WEEK 33

Hi everyone,

Let’s get to it.

FOOD AND HOUSEHOLD SHOPPING

Mayonaise, Lettuce, Cherry Tomatoes, Burger Buns £3.55

Paracetamol x 2, Hay Fever Tablets, Gum £2.16

Milk, Mushy Peas x 2, Cheese, Cottage Cheese, Eggs, Paprika, Sweet Potato, Potatoes, Cucumber £9.63

Orange Juice, Milk, Bread £2.59

TOTAL = £17.93

DISPOSABLE/DISCRETIONARY SPENDING

Travel (Day to Day)

Bus Tickets x 6 = £7

Health

Gum x 2 = £1.98

Contraband

5 Coffees and 1 Cake = £7.94

Postage and Packaging

Envelopes x 2 (£2)

Posting 2 Ebay parcels (£19.40)

TOTAL = £21.40

TOTAL DISPOSABLE SPENDING = £38.32

TOTAL SPENDING THIS WEEK = £56.25

 

Financial Review of Week 32

Hello everyone.

Delayed due to internet issues, here is the financial review of the week previous to this one (7th – 13th August)

FOOD AND HOUSEHOLD SHOPPING

Orange Juice, Twirl Bars, Cucumber £2.35

Danish Pastries, Frozen Broccoli, Milk, Celery, Courgette, Bananas, Leeks, Cereal Bars, Carrots, Bread, Pasta Sauce £10.44

Chicken Tikka, Steak Pies, Frozen Peppers £6.29

TOTAL SPENDS = £19.08

 

DISPOSABLE/DISCRETIONARY SPENDING

GIFTS

Gift bag £1.29

Lip balm and hand cream £4.90

Cookies £1

Wine £5

Card for my Mum £2.50

TOTAL = £14.69

TRAVEL (VISITING)

Train fare to visit family = £33.75

TOTAL DISPOSABLE/DISCRETIONARY SPENDING = £48.44

 

TOTAL SPENDING WEEK 32 = £67.52

 

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.