Tag Archives: spending

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).

 

 

 

Financial Review of Week (Checks Calendar) 29

HI EVERYBODY

We are nearing payday, which is always exciting, but lesser so in this case because my wages this month will be severely hindered due to my month of madness (sick leave).

This means the money is running out.

And there is no way around it, if the definition of a No Spend Year is to, you know, not buy things you shouldn’t.

Which I have been.

What was even more embarrassing I went into a coffee shop to kill time before my counselling session on Thursday and I ran into a friend I know through The Boy who gleefully pointed out I was breaking the rules.

We have £4.51 of the food budget left which is a f*** load better than we have been doing in some months.

Anywho, here goes.

FOOD AND HOUSEHOLD SHOPPING

Spring onion and naan bread £1.44

Milk, Bread, Pizza, Cheese, Cucumber, Ready Meal £10.45

Cereal Bars x 4, Sweet Potatoes, Potatoes, Mozzarella, Bananas £5.85

Courgettes and carrots £2.85 (I bought these from a farmers market and f*** me the courgettes were huge!)

TOTAL SPENDS £20.59

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

Let’s get the bad stuff out of the way first.

THE I F***** UP CATEGORY

5 Takeaway coffees = £6.80

5 packets of chewing gum = £3.95

Several sandwiches for lunch and/or breakfast as I was too inadequate to prepare beforehand = £10.39

TOTAL = £21.14

 

TRAVEL (DAY TO DAY)

5 X Bus tickets = £7

 

POSTAGE

Posting gifts and ebay parcels and buying envelopes = £8.44

 

SOCIAL

Dinner at spoons £7.15

Coke £1.99

Gin £4.60

2 x beers £5.95

TOTAL = £19.69

 

GIFTS

2 x special occasion cards = £2.08

 

TOTAL DISPOSABLE SPENDING = £58.35 (YOWZA!)

TOTAL SPENDING THIS WEEK£78.94

I have £2.55 left in my wallet so I will have to tread carefully till Thursday and probably even more carefully after that.

 

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.

 

 

Financial Review of Week 22

I am so horrified by how little money I have and how little remains of the food budget that I am just going to post and run…

HOUSEHOLD AND FOOD SHOPPING

Milk and Bread £2.58

Medication £6.38

Crisps, Pizza, Pasta Sauce, Grapes, Cucumber £7.34

Coke, Pizza, Donuts, Bag for Life £4.24

Shampoo £0.75

Kitchen Roll, Fajita spices, Wraps, 7 x microwave rice, Naan, Poppadoms, Potatoes £10.73

Interior dehumidifier x 4, Handwash x 2 £4.52

Gin, apples, bananas, Orange juice, cheese, cereal bars x 3, Sweet potatoes, carrots, bread, bread rolls £27.88

Scampi x2, frozen veg x 4, chicken tikka £9.58

BIG MORRISON’S FOOD SHOP £62.35

BIG TESCO FOOD SHOP £44.97

Toilet roll £3.99

TOTAL SPEND = £185.31

Yikes

 

DISPOSABLE SPENDING

SOCIAL

Lunch £3.15

Coffee £2.55

TOTAL = £5.70

TRAVEL

Bus x 4 £5

Train ticket £2.60

TOTAL = £7.60

I F***** UP

TOTAL = £9.80

TOTAL SPENDS = £23.10

TOTAL COMBINED WEEK SPEND = £208.41

Yikes

 

I do the best impression of myself

I need money.

Due to basically spending all of the month’s food budget already, we have had to increase the budget by £50, and to be honest we have admitted defeat, and the new monthly food budget for the rest of the year will be £250.

This means I had to find a way to front my £25 half.

Except, I have £1.50 left in my wallet. I have basically nothing left in my account that isn’t assigned to Bills.

This means I had to sell some stuff.

The OH offered to help me out, but getting into debt with him is what caused this mess.

I can’t really do Ebay on account of not really being able to get to a postbox during the week, making posting parcels difficult, and my anxiety means I am scared of scammers and conflict. I use Ebay when I am truly, truly desperate.

There is something I can sell without interacting with many people, it is quite straightforward, and I haven’t had any bad experiences.

My Books. In the hallway I have 6 boxes of books packaged up into what would fit into the boxes I have available, making sure they are over the £5 minimum selling price, and tomorrow I will take them to a local corner shop that does myhermes pick ups.

Don’t feel too sorry for me, I bought most of them on credit card so this is a sort of karma justice.

I made the £25 I needed, I decluttered, I recycled some boxes, and I decided to sell some more.

Do you remember how I spoke about the new spending category, which is the ‘I F***** UP’ category?

Well I decided to get strict with myself.

I added all the items in that category to the ‘Non Essential Purchases Only Birthday Spending Money’ spreadsheet, and I am in a deficit of £9.80, so I am going to sell another £10’s worth so that I can pay that towards a debt and restore things to their natural state.

I am now going to have to rejig the budgets on two accounts.

  1. For the new increase in the food budget
  2. I need counselling.

I think I have become so preoccupied with paying my debt off at the expense of everything else, that I have neglected my health.

For the last few years I feel like I haven’t really been living my life, I have instead been doing a good impression of a human being.

I think I have created such a warped reality and way of living for myself that it seems like my life is normal when it is anything but.

I need counselling. I need to put my mental health first, even if just temporarily.