Tag Archives: household budgets

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?

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Financial Review of Week 35

The review of the week of 28th August to 3rd September.

FOOD AND HOUSEHOLD SPENDING

Milk and Lucozade (I was ill) £2

Shampoo, Conditioner, Coconut Milk, Fajita Spices, Poppadoms, Veg Rice x 2 £6.13

Milk, Orange Juice, Mozzarella, Apples, Cucumber, Gum, Bananas, Carrots £7.47

Disappointing Danish and Crap Coffee £4.30

Tin Opener, Whisk, Vitamin C Tablets £5

Donuts and Biscuits £1.65

TOTAL SPENDS = £26.55

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND

Cookbook £2

TRAVEL (DAY TO DAY)

Bus £1

HEALTH

Gum and water £1.86

Cold Sore Cream £1.24 (Total £3.10)

SOCIAL

Lovely meal with the boy to celebrate him getting a new job £20

Cheese wrap, Chips, Milkshake £11

3 Scoops of Ice Cream £3.95 (Total = £34.95)

TOTAL DISPOSABLE SPENDING = £41.05

TOTAL SPENDING LAST WEEK = £67.60

I have virtually no money left, and I have spent this week too! You can read all about it tomorrow.

 

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 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).