Financial Review of Weeks 13, 14, 15, 16 (I’m sorry for the delay)

Here’s the thing about working 7 days a week. Even when the 6th and 7th days of working total just 8 hours you find you lack the time to get everything done.

My Blog has taken the hit.

I will proceed with the financial reviews:

FOOD AND HOUSEHOLD SHOPPING

Pizza, Pasta, Pasta Sauce, Cookies, Bread, Milk, Yogurt 8.35
Super Big Tesco Delivery 114.34
White Bread and Cucumber 1.15
Juice, Cheese Slice, Pasta, Pasta Sauce, Garlic Bread, Cheesecake, Bag for Life 8.14
Carrot Chips, Corn on the Cobs, Onion Rings, Chicken Strips, Chicken Popsters, Cheese Pizza x 2 11.98
Potatoes, Orange Juice, Carrots, Milk, Popcorn, Raspberries 5.99
Flu Powder, Face Wipes, Moisturiser, Hand Sanitiser 3.85
Toothpaste, Floss, Shower Gel, Handwash 4.86
Toothpaste, Soothers x 2, Vanish, Allergy Tablets, Toothbrush 7.45
Greaseproof Paper, Coconut Water x 4 2.75
Toothbrush Holder 0.29
Rolls and Lettuce 1.75
Spray Oil x 2, Laundry Cleanser x 2, Toilet Roll, Bag For Life, Laundry Bag 11.34
Massive Pizza, Jon Pizza, Cookies 6.5
milk 1.09
tortilla chips, rolls, cookies, gum 2.74
Milk, Carrots, Bag for Life 1.37
bread, doughnuts, garlic bread, lasagne, cucumber, parsnips, bag for life 6.6
Sweetcorn, Cheese Pizza 3.5
Orange Juice, Ice Creams x 2 3.9
Aqueous Cream, Hair Remover Cream, Bath Foam, Body Scrub, Razors, Face Masks x 3 7.87
Sprite Six Pack, Fanta Six Pack, Orangina, Garlic Pizza Bread, Canneloni, Bread, Cookies, Bag for life x 2 11.2
Colour Catchers, Cotton Pads, Toner, Hand Cream 6.56
Chicken Dippers, Marmite, Chicken Breast, Mince x 2, Peppers, Onion, Boy Pies 19.86
Prawn Crackers, Yoghurt 1.85

TOTAL SPENDS = £255.28 (WEEKLY AVERAGE = £63.82)

We are already over budget for this month of April and still have a week to go so it’s not going that well.

DISPOSABLE INCOME SPENDING

Milk for work 0.8 WORK EXPENSE
Gum 1.5 NON ESSENTIAL FOOD
Easter Egg for Jon 4 GIFTS
Prawn Sandwich 2.2 NON ESSENTIAL FOOD
Pie Minister 17 SOCIAL
2 x Sets of PJs 34.05 CLOTHING
Apple and Banana 0.67 NON ESSENTIAL FOOD
Tupperware From Paperchase 1 HOMEWARE
Ale 4.5 SOCIAL
Burger and Tea 10 SOCIAL
Pizza 6.5 SOCIAL
Shonen Knife T Shirt 15 CLOTHING
Make Up 30 MAKE UP
Subway 4 NON ESSENTIAL FOOD
Ale 3.65 NON ESSENTIAL FOOD
2 Pairs of Trousers, Exercise Tights and Top 24.05 CLOTHING
Let’s Eat Grandma Ticket 10 SOCIAL
Peach Green Tea Lemonade 3.35 NON ESSENTIAL FOOD
Chiropractice Groupon 23.95 HOBBIES – HEALTH
Food for Homeless person 4.28 GIFTS
Plastic Cutlery 0.75 WORK EXPENSE
Water and Mango Coca Cola 1.8 NON ESSENTIAL FOOD
Pint of coke 1.99 SOCIAL
Lipbalm 1.2 MAKE UP
Chewing Gum 0.45 NON ESSENTIAL FOOD
Sweets 3 NON ESSENTIAL FOOD
Train to Grangetown 3.4 TRAVEL (DAY TO DAY)
Paying Postage on an unstamped card 2 POSTAGE AND PACKAGING
John Lewis Gift Card 15 GIFTS
Chocolate Treats for Hedy 2.5 GIFTS
Money for the Nie-phews 20 GIFTS
Posting the Kids Treats 6.9 POSTAGE AND PACKAGING
Indian Takeaway 16 SOCIAL
2 x Flat Whites 4.8 NON ESSENTIAL FOOD
Tissues for work 0.39 WORK EXPENSE
Milk for work 0.75 WORK EXPENSE
2 x Beers 7 SOCIAL
Posting parcel to Chris 1.87 POSTAGE AND PACKAGING
Boots Meal Deal 3.39 NON ESSENTIAL FOOD
Kimono 4.99 CLOTHING
coffee and apple 3.15 NON ESSENTIAL FOOD
Five Guys Burger, Fries and Drink 12.15 NON ESSENTIAL FOOD
Donation to Ben 15 GIFTS
Cookies and Donuts for a homeless person 0.78 GIFTS
Milk for work 0.8 WORK EXPENSE
Boots Meal Deal 3.39 NON ESSENTIAL FOOD
Next Voucher For Tudor 10 GIFTS
2 x Books 9.98 HOBBIES-BOOKS
Manics Vinyl 20.04 HOBBIES-MUSIC
2 x Cocktails 8.45 SOCIAL
Five Guys for 2 25.45 SOCIAL
Ice Cream 2.5 SOCIAL
Gum 0.5 NON ESSENTIAL FOOD
Fixing Jeans 5 CLOTHING MAINTENANCE
Jeans 5.99 CLOTHING
Milk for work 0.8 WORK EXPENSE

TOTAL SPENDS = A LOT (£421.66/WEEKLY AVERAGE = £105.42)

I promise I will be better at blogging from now on.

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This Wonderful World of Purchase Power: Financial Review of Week 8/52 2018

Ahem.

I spent more on Thursday and Friday on personal spends then I have in some months. In fact it is very easy to say I spent more this week than I have in some months.

It was all stuff that I needed, and also included The Boy’s birthday present, but the thing was I couldn’t really afford to buy any of it, so I put it on my credit card, reasoning that I had about 6 weeks before the next statement and therefore next due date to find the money. I figured I would do it in instalments.

But it turns out that I have such an aversion to owing money that yesterday I paid the card in full, even though none of the items had cleared yet so my account will be in credit first.

It may mean that I have to not have any fun until I have money again, but I’m glad my debt is cleared.

Let’s get down to business.

FOOD AND HOUSEHOLD SHOPPING

Milk £1.10

Bread, Cookies, Garlic Bread, Chilli Spices x 2, Spaghetti Bolognese Spices x 2 £6.10

Milk, Margarine, Pizza, Baguettes x 2, Pasta Sauce, Crisps, Baking Potatoes, Stew Pack, Apples £8.96

TOTAL = £16.16

Now let’s move on to the B I G spends.

DISPOSABLE INCOME SPENDING

WORK EXPENSES

3 x Cartons of milk £1.79

NON ESSENTIAL FOOD

Jacket Potato and tea £6.70

Coffee and Biscotti £4.15

GIFTS

Sweets for a work colleague £0.75

The Boy’s Birthday Treat Number 2 £63

BEAUTY 

Hair cut and tip £25

Hair Mask, Special Hair Brush and Hair Clips £7.72

CLOTHING

Running Trainers £108.05

16 Pairs of Pants/Knickers (4 x 4 packs) £20

Dressing Gown and Slippers £22.50

SOCIAL

Baguette and Wedges £4.15

Comedy Gig Tickets £6.50

Indian Takeaway £16.10

HEALTH

Dentist appointment £14

TRAVEL (DAY TO DAY)

Bus Ticket £1.60

(Let’s add up this scary amount of money)

TOTAL DISPOSABLE INCOME SPENDS = £302.01 (!!!!!!!!!!!!!)

TOTAL COMBINED SPENDING = £318.17

The funny thing is we are now £1.31 over the food shopping budget after doing the weekly shop, and I knew we only had a little bit left so I was saying to The Boy I wanted to restrict our spending to just the essentials. The Boy, who has plenty of money began ‘It’s great that you have a food budget and that you do all this, but….”

‘You don’t want to be deprived because you have lots of money’ I said.

‘….Yes’

Now, in order to try and claw back some self respect from you all, I will go through my ‘wombles’.*

10% Discount on the Running shoes = £12

Multi Buy savings on the Hair Products = £1.25

Free Biscuits that The Boy has brought back from work = £1.25

Using vouchers I had earned on the Dressing Gown and Slippers = £22

Watching a film for free at the Cinema through volunteering = £7.90

Total savings this week = £44.40

So it could have been a lot worse.

*Womble = Saving money, getting money off, or getting something for free. Based on The Wombles, a UK Children’s TV show about furry creatures who ‘make good use of the things that they find’ (that is a line from their song, yes, they had a song).

 

Financial Review of Week 7/52 2018

Hi everybody,

I would like to thank all my followers, old and new, for reading, cheers!

Let’s see how I foolishly wasted wisely invested my money this week.

FOOD AND HOUSEHOLD SHOPPING

IMG_7496

Ice Cream, Milk, Golden Syrup £3.84

Milk, Wash Tablets, Orange Juice, Cheese, Frozen Sweetcorn, Apples, Rice, Prawn Crackers £14.92

Poppadoms £1.45

IMG_7498

Coconut Water x 4, Pizza x 2, Naan Bread, Poppadoms, Cookies x 2, Pilau Rice, Quorn Pieces, Quorn Mince, Baking Potatoes, Agave Syrup, Greek Yoghurt, Cucumber, Chicken Fillets £16.16

IMG_7497

Laundry Cleanser x 2, Washing Machine Cleaner £2.97

Beer x 3, Milkshake, Chocolate Treats x 2 £6.50 

Bread, Beetroot Shots x 2, Cayenne Shot £4

TOTAL SPENDS = £49.64

DISPOSABLE INCOME SPENDING

HOBBIES – HEALTH

2 x Magazines £8.40

Sports Watch £5.99

Race for Life Pretty Muddy £20

Magazine £4

Resistance Bands £3.50

(Total = £41.89)

POSTAGE AND PACKAGING

Stamps £7.80

GIFTS

Thank you cards £2.98

The Boy’s Birthday Treat Number 1 £30

TRAVEL (DAY TO DAY)

Taxi £2 (The Boy gave me £5 towards it)

Bus £3.40

HOMEWARE

Memory Box £2.49

SOCIAL 

Meal out with The Boy £20

CLOTHING

Work Trousers £5

Exercise Trousers £8

NON ESSENTIAL FOOD

Coffee £2.70

TOTAL DISPOSABLE INCOME SPENDING = £84.37 

TOTAL COMBINED SPENDING = £134.01

Losing Weight the Frugal Way Part 5

I have lost my first stone!

Ok, so I stood on the scales about 3 different times on various parts of the bathroom floor as the floor is uneven and I was trying to get an accurate reading, and maybe I stopped checking the levelness of the floor after I got a scale reading that confirmed I had lost my first stone…but if the only person I’m fooling is myself surely that is ok?

Hmmm.

The trouble is, I am keeping a bit quiet about it. Yes, I am posting about it on a public blog under my own name, and I have demanded that The Boy makes me another certificate marking my achievement, but I haven’t told any friends or work colleagues yet.

This is because since summer 2016 I have gone up and down and round and round the scales between about an 18 pound difference.

From 16 Stone to 14 Stone 10 Lbs.

That may be the first time I have publicly declared my weight, so please don’t judge me.

I started this weight loss adventure at 15 Stone 12.75 Lbs.

On Saturday, my official weigh in day, my weight was 14 Stone 11.25 Lbs.

I have lost over a stone in about 5 weeks.

More impressive than that (to me) is that I am training to learn how to run again, and the training plan I am following asks me to train/run 4 times a week.

Since starting that training plan I have not missed a single session.

I have to fit it around my life, and sometimes it has been tough, sometimes I do my ‘run’ on the treadmill at the gym rather than the streets, but I have done every single one.

But I am still keeping quiet about my weight loss, apart from with The Boy and all you guys reading, because it won’t be until I have lost that magic 19th lb (and weigh 14 Stone 9 Lbs) that I will feel the ‘curse’ is broken.

I am so glad I have lost this stone, because I cheated and booked a hair cut for Thursday, and didn’t want to cancel if I hadn’t lost the weight. My hair cut is my reward for losing a stone. But it is sort of being frugal because I am going to a beauty training college, and I haven’t had my hair cut in over 2 years so I think it is a necessity more than anything else. My split ends have split ends (sorry for being gross).

Now, onto the running.

I wanted to run the half marathon that takes place in my home town each October, but I couldn’t afford the entry fee.

The Boy rang me on Thursday after I had been to the gym (go me!).

‘Hi Flo, do you still want to run the half marathon?’

‘Yes, but I can’t afford it’

‘Well, this is your lucky day’

The Boy then proceeded to tell me that he had gone to sign up for a free place through his employer at an open event. He works for one of the Universities in our town. It was there he found out they had many free spaces going, and they were available for:

Staff

Students

Alumni

and…

Members of the public.

All I have to do is raise a set amount of sponsorship, which is the rather achievable £200.

The Boy and I are obviously being very mature about it and have decided to have a competition between us to see who raises the most money.

The bonus point is we could choose between 2 of their charities, and whilst both were worthy, we opted for the Mental Health charity because of my experiences.

So that is another frugal bonus, and a rather good ‘womble’ because I also got a free T Shirt and water bottle.

I am now Walk/Running 5K, and today was my Personal Best of the year at 41 Minutes 40 Seconds.

In more frugal news I bought a sports watch on Amazon using my vouchers which cost me just £5.99 after discounts.

The thing is, what I think is working for me, the reason why it is all going well, is because I am just doing it.

By which I mean, normally I overthink things to death, or I have an all or nothing approach and believe if I am not running 5k all the way on day one then I am a massive failure and waste of space. Normally I push myself to unrealistic targets and pick up an injury and then stupidly carry on until I really hurt myself and have to take 3 weeks off by which point the sofa has become rather comfy and pizza is very tasty.

I am being so sensible, and I am not doing anything with any fanfare or fuss. It’s not a case of before where I was like ‘I HAVE BEEN TO THE GYM, LOOK AT ME, I AM GREAT, I SHALL HAVE A BEER AS A REWARD’.

Instead I am just going to the gym, because….crucially…I want to.

I can see myself in the mirror, and although I still have a large belly and haven’t seemed to have dropped a dress size, there is definition to my stomach. They aren’t abs, they are my ‘fl-abs’. And I am very proud of them.

I am still drinking alcohol (in moderation), I am still eating treat meals (in moderation), but I am being healthy most of the time.

In regards to my running training, I have already repeated one week because I didn’t feel ready to progress, and I am going to do the same with this week’s training. Before I would have felt like I was being weak, now I know it is the reason why I am getting stronger.

I wish I knew what the secret was, because then I could market the hell out of it and pay off my debt very quickly, but I think it can be summed up with a famous sports brand’s slogan.

JUST DO IT.

Losing Weight the Frugal Way Week 4

2 weeks for the price of one in this blog post.

Over the last two weeks I lost 3 lbs on the 3rd of Feb, and a further 1 lb on the 10th of Feb. I knew my weight loss would naturally slow down as my body adjusted to the increase in exercise and decrease in high calorie foods but it was still slightly sad to have only lost a pound, but that is better than a gain.

I am doing really well at the gym, I am genuinely enjoying it, but it comes at a price. Long time readers will have noticed a decline in blog posts from me, and I haven’t been on my favourite forums for weeks, I have had to strip my life of the excess, not just in terms of food but in terms of keeping on top of things.

I work, I go to the gym, I try to do my 4 times a week Couch to 5k training, I do housework, I watch wrestling at times, I have regular baths (baths are such a treat for me as I usually only have time for a quick shower) but this leaves little room for browsing the internet, which I guess is fine? I mean if anything had to be cut it would be that, but I would like a little more free time to read and to write.

The panic is, and I am getting a little off topic from weight loss now, that I pretty much need to get a weekend job. Not in that it would be a good idea, or that it would help me clear my debt quicker, but I am only earning 15p above minimum wage, my income is less than £1000 a month, and I have increased my expenses by £50 a month with my gym and personal training.

Things are tight financially.

I need to buy new trainers, my current ones are 2 years old (nearly), but I don’t have the money. I need to pay back my sister £70, ideally by her birthday in April. I don’t have that either.

And Queen are touring the UK again.

But I am already struggling with my health and weight and ability to keep on top of everything and that is without a part time job on top of a full time job!!!!!

The other worry is I currently have the time, admittedly at the expense of chilling on forums, to dedicate to exercise and batch cooking and cooking from scratch.

If I get a part time job I am scared I will put the weight back on.

I survived (for the most part) doing a No Spend Year in 2017. I can clearly commit to a year long challenge, I could in theory do it again.

But a No Spend Year is a removal of something. Getting an extra job is an addition. I don’t think my life can take any more additions.

But time is running out. My goal is to be debt free and fat free by my 30th birthday.

Yes, it is more than a year away, but I have £4000 (nearly) of debt, and I am at least 3.5 stone overweight still, minimum.

I have a long way to go and things are difficult.

 

Financial Review of Week 5/52 2018

Hi Everybody,

The house needed restocking of food, apparently, despite the cupboards being full, but I think I just have ‘new month = new stock’ as a train of thought in my head.

This week I had some pretty good bargains, or ‘wombles’ as I call them. I bought a £61.65 Amazon order which contained:

  • A meat thermometer and raw meat chopping board (as although I don’t eat meat The Boy wants to introduce some real meat into his diet instead of frozen and probably inhumanely reared meat).
  • A Mother’s Day present for both my Mum and Step Mum.
  • A birthday present for my friend’s nearly 1 year old daughter.
  • A birthday present for the friend above.
  • A copy of the Queen album ‘Jazz’ as I own it on Vinyl but not CD.

This order only cost me £1.65 as I used £60 in vouchers I had earned through my side hustles.

I also ‘wombled’ the below:

The Linguine and Ground Almonds I received from a friend who had listed them on OLIO, and the beers were given to us from The Boy’s parents as they were leftover from a meal we had together on Friday.

Lets get on to my spending this week.

FOOD AND HOUSEHOLD SHOPPING

Macaroni £0.56

BIG ONLINE FOOD SHOP £64.61

Tomato soup x 2, Milk, Greek Yoghurt, Margarine x 2, Microwave Rice x 4, Food and Freezer Bags, Frozen Peas, Gum, Frozen Fruit, Night Cream, Quorn Pieces, Mozzarella, Spaghetti, Tomato Puree x 2, Stew Pack of Veg, Cucumber, Celery, Apples, Cheese Rolls, Naan Bread, Cherry Tomatoes, Lettuce, Bread, Poppadoms, Eggs £24.76

TOTAL SPENDS = £89.93

DISPOSABLE INCOME SPENDING

GIFTS

Amazon order £1.65

TRAVEL (DAY TO DAY)

Bus £3

Train to Newport £5.30

HOBBIES – HEALTH

Padlock for gym locker £4.50

SOCIAL

Pie and Cider £13.80

Takeaway Chinese £15

TOTAL DISPOSABLE INCOME SPENDING = £43.25

TOTAL SPENDING THIS WEEK = £133.18

 

 

Christmas Preparation Part 1

I got a little bit excited/anxious today about Christmas and bought the remainder of the Jillett’s Christmas presents this morning. I did it mostly with Amazon vouchers I had earned, not as epic a saving as last time, but a nice and much appreciated £45.55 was saved on my shopping. I spent £12.35 which is probably the most I have spent on an Amazon order since February.

I say I got a bit excited/anxious as I could have saved even more money as I have about £20 in Amazon vouchers from my various side hustles (all legit, promise!) which are waiting to clear, but this second batch of presents I bought today contains my little bro’s Christmas present, and part of his Girlfriend’s present, and I am seeing them next weekend and plan to exchange presents then. I didn’t want to risk the presents not arriving in time.

I have so far spent just over £40 on Christmas 2017. I need a further £80-100 in order to buy the in law’s presents.

As for the other costs-the Boxing Day football match, sending Christmas cards, Alcohol gift bags-well, I still haven’t figured out how I can afford them. I made good headway on Friday with the job hunt, but it is artificial headway, by which I mean it seems that I have progressed, but I am still in the same position.

(I applied for 2 jobs and called a temp agency who asked me to send my C.V. over)

So despite working so hard to prioritise my debt this year, where has it got me?

Sure I paid off over £3000 in a combination of bank debt and money I owed The Boy, and yes I have cleared my overdraft…but I had to borrow £750 off The Boy on Saturday to pay my bills. That’s the rate of debt I will get in every month I am unemployed.

I once heard the average time it takes someone to find a job is 4 months. 4 x £750 = £3000. Maybe I would have been better off saving that money instead.

Today I will sit down with whatever remains of my Irish Cream, put on the Christmas CD for about the 20th time already this Winter, and wrap the presents that have already arrived.  I can toast my success in getting nearly £200 worth of presents for about £36 in cold, hard cash.

But maybe what I am toasting is I get to save face in front of my family, that I can provide them with gifts when I have zero net worth.