Tag Archives: household budgets

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 31

So you have just read about how I wasted my money in the whole of the month of July, but how did I do this week?

Let’s take a stroll through my spending.

FOOD AND HOUSEHOLD SHOPPING

Milk and ‘healthy’ crisps £2.49

Mouthwash £3.99

Cucumber, Celery, Courgette, Chocolate, Cereal Bars, Ice Cream, Sausages, Tomatoes, Bread Rolls £9.34

Takeaway Chips £1.80

Face wipes, Naan Bread £1.49

Frozen Peas, Frozen Sweetcorn, Blueberries (which I froze) £4

Hay Fever Tablets, Paracetamol, Ibuprofen, Interior Dehumidifier x 2 £2.81

Bread, Poppadoms, Carrots, Baking Potatoes, Mozarella x 2, Sweet Potatoes, Bananas £6.59

Milk and Scampi bites £2.45

TOTAL SPENDS THIS WEEK = £34.96

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND/I F***** UP

Coffee and Gum £1.79

TRAVEL (DAY TO DAY)

Bus ticket £1

POSTAGE AND PACKAGING

Postage box and envelope £2.88

Posting two presents £6.30

(Total = £9.18)

GIFTS

Wrapping paper x 2, Gift Bag, Anniversary Cards x 2 = £6

SOCIAL

Burger, Coke and Pint of Bitter £10.70

Coffee Bean Ice Cream Sundae (I have no regrets) £5.95

Berry Soda £3.85

(Total = £20.50)

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £38.47

TOTAL COMBINED SPENDING THIS WEEK = £73.43

Things are about to get a whole lot tighter because I have to do my taxes next week, yowza’s.

I actually love doing my taxes. It’s one of my favourite days of the year. I definitely should have been an accountant.

 

 

JULY 2017 EXPENSES ANALYSIS

Hi everybody,

A new month has begun, autumn is on the way which means by extension WINTER IS COMING!

I know, we are still in Summer, but I am always very excited for Autumn. I don’t know why but maybe because a school year always begins in September the start of Autumn always feels like a new beginning to me.

Anyways, time to analyse the disaster that was July.

If anyone is reading my blog for the first time I’ll give you a little bit of context. I am doing my version of a ‘No Spend Year’ with many things being off limit for purchasing, which I totally threw aside in July.

Also in July I was half way through a 28 day sick leave absence from work due to stress and anxiety. So that may have affected why I disregarded my No Spend Year rules.

Final bit of context is I am doing a No Spend Year because I am in debt. Boooo!

So here is how I spent my money in the month of July.

Let’s start off with the contraband purchases:

CONTRABAND/I F***** UP

(Ahem) £77.73!!!!!!!!!!!!!!!!! (This was made up of takeaway coffees, work canteen lunches, a couple of breakfasts I had to buy as I was lazy/unorganised)

Moving swiftly on…

HOMEWARE £1.98 (Batteries and white board markers)

GIFTS £6.37 (A selection of cards for various occasions and a packet of biscuits for a friend)

SOCIAL £72.64 (So really I could have socialised twice as much if I wasn’t wasting money on the things in the contraband category)

POSTAGE £43.05 (I sold a lot of things on ebay, and yes, I charged for postage, but they way I see it is I had to have that money in order to post things in the first place)

HEALTH £14 (I went to the dentist)

TRAVEL (DAY TO DAY) £18 (This I feel bad about as I didn’t actually need to do any of these bus journeys, I could have walked if I had been more organised with my time)

So July, it happened. It happened badly. But I am making good progress in August and have had 4 No Spend Days out of the first 6 days of August (A ‘NSD’ is exactly what it sounds like, it’s a day when I didn’t spend any money on anything, not even something like milk).

 

 

 

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 Week (Checks Calendar) 29

HI EVERYBODY

We are nearing payday, which is always exciting, but lesser so in this case because my wages this month will be severely hindered due to my month of madness (sick leave).

This means the money is running out.

And there is no way around it, if the definition of a No Spend Year is to, you know, not buy things you shouldn’t.

Which I have been.

What was even more embarrassing I went into a coffee shop to kill time before my counselling session on Thursday and I ran into a friend I know through The Boy who gleefully pointed out I was breaking the rules.

We have £4.51 of the food budget left which is a f*** load better than we have been doing in some months.

Anywho, here goes.

FOOD AND HOUSEHOLD SHOPPING

Spring onion and naan bread £1.44

Milk, Bread, Pizza, Cheese, Cucumber, Ready Meal £10.45

Cereal Bars x 4, Sweet Potatoes, Potatoes, Mozzarella, Bananas £5.85

Courgettes and carrots £2.85 (I bought these from a farmers market and f*** me the courgettes were huge!)

TOTAL SPENDS £20.59

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

Let’s get the bad stuff out of the way first.

THE I F***** UP CATEGORY

5 Takeaway coffees = £6.80

5 packets of chewing gum = £3.95

Several sandwiches for lunch and/or breakfast as I was too inadequate to prepare beforehand = £10.39

TOTAL = £21.14

 

TRAVEL (DAY TO DAY)

5 X Bus tickets = £7

 

POSTAGE

Posting gifts and ebay parcels and buying envelopes = £8.44

 

SOCIAL

Dinner at spoons £7.15

Coke £1.99

Gin £4.60

2 x beers £5.95

TOTAL = £19.69

 

GIFTS

2 x special occasion cards = £2.08

 

TOTAL DISPOSABLE SPENDING = £58.35 (YOWZA!)

TOTAL SPENDING THIS WEEK£78.94

I have £2.55 left in my wallet so I will have to tread carefully till Thursday and probably even more carefully after that.

 

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.