Tag Archives: shopping

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).

 

 

 

I just got a new item of clothing online for free, let me show you how

Head to http://www.everything5pounds.com

Select a £5 item from the Promotional section (admittedly I didn’t find this at first and it was only when I put invalid items in my basket and tried to apply the code that it showed me the promotional items link)

Apply the code FREEBIEMSE and you will get £5 off and just pay postage.

I am not sure how long this deal will last so give it a whirl whilst you can.

When you place your order you are also given a link to give your friends £5 off and when they make a purchase you get £5 off.

Here is my code, if it works: https://share.everything5pounds.com/x/awMUGO

THIS BLOG POST WAS INSPIRED BY THE GREAT CHARLOTTE BURNS WHO ORIGINALLY POSTED ABOUT THIS DEAL ON HER FACEBOOK GROUP ‘LUXURY ON A BUDGET’ (SHE ALSO HAS A WORDPRESS BLOG LOTTY EARNS)

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 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.

Financial Review of Week 25

Well, everything has gone a bit to hell recently.

We have stormed into the ‘over the over budget’ territory of the food/household shopping budget, and I have been getting by on not much more than hope.

Here we go.

FOOD AND HOUSEHOLD SHOPPING

Ready meal (sigh), Garlic Baguette, Bread £4.12

Milk £1

Orange Juice, Baguette, Donuts £2.35

Frozen Sweetcorn and Potato Waffles £2

Milkshakes x 2, Cucumber, Cake, Bread rolls x 4, Bread £4.96

Carrots, Apples, Bananas £3

Ice Creams, Crisps, Milk, Tomatoes, Lettuce £5.36

TOTAL SPENDING = £22.79

We are over the food budget by £17.90

 

DISPOSABLE SPENDING

TRAVEL (DAY TO DAY)

2 X return bus journeys = £6.60

CONTRABAND PURCHASES

Water bottles x 4 = £1.40

GIFTS

Donation of food items to a Food Bank £14.57 (this was probably a very bad thing to do but at least I have helped some people)

TOTAL DISPOSABLE SPENDING = £22.57

TOTAL SPENDING THIS WEEK = £45.36

I have been doing some money making this week and have sold about £50 of books and DVDs but I will need to wait for these payments to clear before I get too excited.

I am going to ebay some items today. Things are getting pretty desperate.