Tag Archives: money

I am a Consumer, Therefore I Consume

I have been flexing my shopping muscles.

Restrained, considered purchases, contraband in terms of the no spend year but not wild and decadent items in them self, they were all practical, but still I have anxiety.

Things needed replacing in our house. The clock in the kitchen broke, we didn’t realise how essential it was to our ability to get ready until it was gone. The silicon whisk broke ages ago, but I had ‘fixed’ it, but then when a piece of the silicon found it’s way into one of my vegetable muffins I knew it needed replacing. We needed a tin opener, because our old tin opener took about half an hour and lots of strength to get round a tin.

The boy bought the clock, because he has money, whereas I have raided my penny tin several times already this month. The whisk and tin opener were partially funded by the household budget.

I bought an SD card for my phone almost exclusively funded with amazon vouchers, it cost me just £1.21 (which was primarily the postage). I needed that, yet it is still contraband according to my rules, but I am certain it will save me money in the long run as it will extend the life of my phone (and give me space for money saving apps).

And for a long time I have felt that I need a rain coat. Something that is light weight as it may rain all the time in the UK but it gets pretty humid when it does and I’m a sweaty Betty at the best of times. I wanted something that went past the waist as I had a rain coat in the past which ended at the waist which just meant all the water ran off the coat and into my pants. Fun times.

I decided to look at the Tesco website on the basis that I have been saving my Tesco Clubcard vouchers for 18 months and had a hefty £26.50 to my name.

(To anyone who is confused by this I’ll explain. Tesco’s is a big supermarket chain in the UK, I think they owned Fresh and Easy in the USA, and you can sign up for a free clubcard which gives you 1 point for every £1 you spend in their stores. I want to assure you I took advantage of some great deals they put on to gain extra points, and didn’t actually spend £2650 in their stores in the last 18 months)

So I looked on the Tesco’s website and there was a lightweight, yellow (I secretly wanted it to be yellow) rain coat which went past the waist, and yes it was £32 but I decided that the fact Tesco’s clothing range is called Florence and Fred and that the coat was sold out in every size apart from my own as a sign the Universe wanted me to have it.

So yes, I have spent £5.50 on a contraband item, AGAIN, but I feel good that the sum total of my spend on clothes this year has been £5.88 (£9.83 if you include a free item I ‘bought’ but had to pay postage for)

I think my shopping habits this year, whilst being a bit flexible with the rules of a no spend year, are a complete change for the better from the habits that got me into this mess of debt.

I am debating whether I am allowed to buy a orange scented reed room diffuser this Winter like I did last year which made me feel all Christmas-sy and made the Winter a bit more bearable. I know I’m not allowed, but maybe I can find a voucher somewhere for one.

It’s just with every purchase I make I feel anxious. I don’t feel tempted, I don’t feel ‘this feels great, let’s bend the plastic so far my credit card gets a spinal injury’ but I am scared of spending money now.

To be honest I am anxious doing anything financial apart from making money, which means it’s just as well I sold my two guitars today, one to the boy for £15 and one at a cash converters for £10 (it was a piece of crap).

I actually don’t mind selling my things at cash converters because in their buying department they have figurines of the wrestlers Jake the Snake and The Ultimate Warrior which makes me feel happy and like I am with kindred spirits.

I just want to say one more thing. Not including food/household purchases, which are split between the boy and me anyway, but if you take all the money I have paid towards my debts this year, and compare it to how much money I’ve spent on me this year, then I have spent about a third more paying back my debts then I have spending money on things like socialising and yellow-lightweight-past the waist-rain coats.

 

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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.

 

 

I have applied for another credit card, but wait, hear me out…

If you haven’t signed up for the Money Saving Expert newsletter then you are an idiot  I greatly recommend doing so.

In today’s email they mentioned all the best ‘Free Cash’ offers for doing things you were going to do anyway.

Including a Marks and Spencers 25 month 0% purchase card, which if you spend £100 on it before the end of September they will reward you with a £50 gift card.

Did I mention it was 0% on purchases?

So the little cogs in my tiny brain started whirling…

One thing I am confident about is that I manage the food shopping budget well.

And I will easily be spending £100 on a card on food payments before the end of September.

And I trust myself that if I buy something with credit that is carefully budgeted for, then I will have the money in cold hard cash in my proper account in which to pay it back.

I had to explain my plan to the boy, who is afraid of anything that involves spending money, particularly on credit, but he just asked if this is what the founder of Money Saving Expert, Martin Lewis, recommended. When I said yes he simply nodded and I knew he had blessed me with his permission to apply.

But I wouldn’t just blindly apply and risk hurting my credit rating if I was rejected, f*** no. I used the Money Saving Expert soft search credit card eligibility checker first, which said I had a 70% chance of being accepted.

So I have made my application.

And now I play the waiting game.

I would normally not tell anyone about applying for a credit card as I don’t want people to make the same terrible mistakes I did.

BUT if you are not financially incompetent and can trust that you will only buy with credit what you can afford to pay back in full each month, then occasionally taking advantage of a deal like this so you can buy a pair of shoes that aren’t Doc Martens to wear to work this winter is not the worse thing to do.

I still have to see if I am accepted, but considering I applied and was accepted for my balance transfer cards with only 20% chance of being accepted at the time, then I have dared to raise my hopes.

I have a confession to make, I know it’s not cool, but I LOVE Marks and Spencers. It is my dream to go food shopping there. I would put on a ton of weight since the reason why their food is so great is because it is full to the brim with fat, sugar and salt but I don’t care. Their chocolate treat pots are like crack to me, and I say that with only a passing interest in chocolate (seriously, give me a hunk of cheese over chocolate any day).

I love Marks and Spencers clothes as well. Again, not cool, but I don’t care. They make me feel like a proper person.

So I will be eagerly checking all forms of mail correspondence in order to find out if I am accepted.

Also I really hope I don’t need to tell any of you that obviously my plan is to get card, spend £100, get voucher, and then close the card. I am not a fool twice in life. Well, hardly ever.

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.

 

 

 

6 MONTH SPENDING ASSESSMENT

Hi guys,

We are now halfway through the year, scary times at Ridgemont High!

So although I tend to assess my spending mainly across a tax year, I have also been keeping track of my spending across a more standard January – December 2017 year because why have one spreadsheet when you can have two!

Lets have a look at how I wasted/invested my money in the first half of 2017.

HEALTH = £15.79

GIFTS = £214.64

POSTAGE AND PACKAGING = £26.95

TRAVEL (VISITING) = £42.50

TRAVEL (DAY TO DAY) = £91.10

HOMEWARE = £31.75

SOCIAL = £714.76

DEBT (LIBRARY FINE) = £0.60

WORK EXPENSE = £24.23

BEST FRIEND’S WEDDING = £335

TOTAL 6 MONTH SPENDING = £1497.32

I am also £17.05 over budget on the, ahem, I F***** UP category.

So, £1514.37 is a more accurate total.

BUT, BUT, BUT …..

My total debt repayments this year so far, across my credit cards, overdraft and the money I owe the boy are:

£2094.37

So yes, if I had been doing a true No Spend Year like Michelle McGagh did then I would have nearly doubled my debt repayments, but I certainly wouldn’t have been as happy.

And I think nearly £2100 is good, isn’t it?

I mean, it’s certainly not bad, considering my expenses each month.

So whilst I may have a broken mind that likes to see danger in every situation, at least I have done good on my debts.