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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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

Financial Review of Week 6/52 2018

Hello all.

I am off work ill (again) which has finally made me realise I need to stop being so proud about not having had to see the Doctor since August 2017 and instead will have to go.

I realise my anxiety in the past has made me a bit of a hypochondriac and I didn’t want to waste any of the NHS’s money with my silly problems but the now persistent since the start of the year nausea, stomach cramps and retching have got to go.

And, no, I am not pregnant.

I am feeling a bit sorry for myself and anxious about letting my employer down which is counter productive to helping a painful stomach so I am trying to relax, but typically I am feeling the need to be some sort of productive, so let’s catch up on here.

FOOD AND HOUSEHOLD SHOPPING

I did a lot of little shops this week, and most of them were in Sainsbury’s, a store I typically don’t go into as the prices make me angry, but I had received lots of ‘Triple Nectar Point’ vouchers and I am trying to build up enough points in case Sainsbury’s do their Spring Double Up Deal (they cancelled it last year, but in the Autumn when they did it I scored these bargains).

Coleslaw, Cheesecake and Beetroot Shot £2.79

Baking Potatoes x 2 £0.63

Ketchup and Cucumber £2.30

Milk, Couscous, Beetroot Shot, Baguettes £4.19

Extra Virgin Olive Oil, Pizza’s x 2, Gin and Tonic Cans x 4, Milk, Honey x 3, Tortilla Wraps, Sweet Potatoes, Pasta, Baking Potatoes, Frozen Berries, Greek Yogurt, Cottage Cheese, Carrots, Parsnips, Bread, Rolls x 2, Eggs £25.23

The-Biggest-Box-Of-Rice-Krispies-In-The-World (1.1KG!!!) £2.68

TOTAL SPENDS = £37.82

(The Rice Krispies I bought because the 1.1KG box was cheaper than the 510g Box).

(I am now a bit addicted to Beetroot Shots).

(The honey was on special offer, that’s why I bought 3 of them).

DISPOSABLE INCOME SPENDING

HOBBIES – VARIOUS

Magazine and Newspaper £7.89

Race for Life 10k entry £14.99

GIFTS

Bag for life, Costa Coffee, Chocolate Bars x 3, Cheese Sandwich £4.70

Donation £2 

(Both the above were to a Homeless Man).

SOCIAL

2 x Drinks £6

Veggie Burger, Chips and Tea £8.05

TRAVEL (DAY TO DAY)

Return Bus Ticket £3

TOTAL DISPOSABLE INCOME SPENDING = £46.63

TOTAL SPENDING THIS WEEK = £84.45

Not the most expensive week I have had, but I am on a much lower income so I need to be careful.

Officially I am not on a No Spend Year anymore, so I can buy things like Magazines now, but I still feel guilty, even though I love them (It was Women’s Health Magazine, surely that’s better than buying … OK or Heat or something, right?).

 

 

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

 

 

Financial Review of Week 4/52 2018

This week has been great, but in the last hour I have made a clumsy and costly mistake.

You see those cards in the photo? A nice stash of Birthday, Mother’s Day, New Baby etc cards.

I totally spilt coffee on them.

Now I have to weigh up how cheap I am versus how much I don’t want to give my friends birthday cards that have coffee stains on them. Hmm.

In fact this weekend I have been a bit clumsy. I knocked the cottage cheese on to the floor and broke the tub, I pinched my finger on the pump on the hand wash and I forgot to buy Greek yogurt so I had to go back to the shops.

I did manage to buy some rainbow carrots though which I am looking forward to trying.

I am currently up to 12 No Spend Days, so I have met my monthly target, and I may score a few more before the month is out.

Let’s see how I spent my money this week.

 

FOOD AND HOUSEHOLD SHOPPING

Milk £1.09

Stock Powder £2.54

Baking Paper and Handwash x 2 £2.57

Diced Frozen Onion £1.29

Clearisel Face Scrub, Clearisel Face Wash, Bleach x 2, Cistern Blocks x 2, Mouth wash £13.99

Sardines x 2, Mackerel, Cheese x 2, Aerosol Cream, Cucumber, Rolls, Bread, Mozzarella, Baby Potatoes, Potatoes, Cottage Cheese £12.93

Pizza x 2, Milk, Chocolate Desserts x 3, Greek Yogurt x 2 £11.04

TOTAL SPENDS = £45.45 

 

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

2 x Single Bus Tickets £3.20

1 x Day Bus Ticket £3

(Total = £6.20)

HOBBIES – BOOKS

Tinned Fish Cook Book £2

SOCIAL

Jacket Potato £6

GIFTS

Various Birthday cards £5.35

WORK EXPENSES

Milk for work £0.80

TOTAL SPENDS = £20.35

 

TOTAL COMBINED SPENDING THIS WEEK = £65.80

I think that was a pretty lean week, but I will be expecting bigger spends next week as I have a food delivery coming. And I am planning on ordering a bumper Amazon order for upcoming birthday’s and Mother’s Day tomorrow so will probably spend at least a couple of quid then (I have a lot of vouchers to use).

Financial Review of Week 3/52 2018

Hi everybody!

So it has taken me over a year to figure out a way to make these financial review posts look ‘pretty’.

I was thinking of looking at copyright free stock photos, or getting the boy to design some graphics for me, and last week it came to me, simply take a photo of what you bought that week.

I am sorry for being so stupid.

Let’s crack on.

FOOD AND HOUSEHOLD SHOPPING

Milk and Halloumi £3.09

Pizza, Sponges, Frozen Sweetcorn, Frozen Broccoli, Mango Chutney, Butterbeans, Chicken Fillets, Meat Pies, Frozen Berries, Orange Juice, Cornflour, Breadcrumbs, Milk x 2, Lemon Juice, Parmesan, Honey, Bread, Naan Bread, Mozzarella, Poppadoms, Self Raising Flour, Greek Yoghurt, Hand Gel, Cheese Rolls x 2, Parsnips, Celery, Apples, Lettuce, Carrots, Tomatoes, Cucumber, Eggs, Aubergine x 2 £26.59 

Vitamin C Tablets x 3, Face Wipes, Chapsticks x 2 £6.74

3 Baking Potatoes £0.93

TOTAL SPENDS = £37.35

The great things about this weeks food shopping is that we have a voucher for £5 off a £30 spend in Lidl, so our big shop was planned around that.

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

Bus Ticket x 2 = £2.60

WORK EXPENSE

Milk for work = £0.50

GIFTS

2 x Cards £1.18

SOCIAL

2 x Drinks £7.30

TOTAL SPENDS = £11.58

TOTAL COMBINED SPENDING = £48.93

I am hoping today will be a NSD (No spend day), and if so then I have met my target of 10 for the month.

I wish you all a pleasant Sunday, take care all.

 

 

Sainsbury’s Double Up Promotion: How I got £64 worth of clothes for £2

Sainsbury’s is not my main supermarket, but I still have managed to get £10 of points on my nectar card (with nearly £5 spare) through a series of deals and manipulating offers to my benefit.

Sainsbury’s have normally done two ‘Double Up’ promotions each year, where you have a week to double £10 worth of points (up to £40) for a coupon for a particular category (sadly not food). There are many, many restrictions, so many that in order to get today’s voucher I had to do a week of preparation. Basically, there is only one Sainsbury’s I can walk to in Cardiff that stocks clothes. But I had to have shopped there within the last 6 months, which I haven’t, so last week I trekked to Sainsbury’s to buy groceries, swiping my nectar card at the till, which meant I could go there today to get my double up voucher.

(I could go into detail about the restrictions, but there is a very good blog post about it from a site I follow called ‘Be Clever With Your Cash’, and they would do it so much better than me. You can read the link here)

So, bam, I had £20 to spend on clothes. I generally really like Sainsbury’s clothes and as I saw it as a way to get free/nearly free clothes I wasn’t too fussed about finding a dream item, and thought I would just stock up on basics. The clothes selection was tiny, but I still found a long sleeved white shirt (I love a long sleeve white shirt), a yellow sweater vest and 2 skirts.

All the items were on sale, full retail value was £64, the total at the till was £22, so bam, I only spent £2 on four items of clothing. Yes, none of them are exactly the sexiest things in the world, but they are all fine basics for work. (Ok, so I’m currently unemployed, but I won’t always be).

I have decided that since I want to lose weight, I am not going to buy any clothes full price (other than under garments and shoes) until I reach a healthy BMI. In theory this is because I don’t want to invest in clothes that will hopefully be far to big for me in a years time (I hope), so expect more posts like this until I reach my target weight.