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

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Ice Cream, Milk, Golden Syrup £3.84

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

Poppadoms £1.45

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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

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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

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Financial Review of Week 4

Hi everyone,

Another week has passed, and I really hope I don’t spend any more as this week has been a wee bit spend-tastic (I will be the first to admit I sometimes take liberties with the English Language)

SOCIAL

Meal out with the boyfriend £15

Costume accessories for Friend’s Hen Party £4 

I debated long and hard about what category this would fall into and decided that as I am hardly likely to wear a pink glittery cowboy hat and a necklace with a shot glass attached in day to day life (unless I start working in the new Coyote Ugly bar in town) these items are for a very specific social event and that’s why I am classing them as such.

Ticket to see a Comedian in May £13.20

TRAVEL

Bus £1. I feel really annoyed about this. I was running a bit late for work anyway on Thursday and then halfway to the station realised I had left my football kit at home, so had to go back and then get the bus to town centre. The expense is definitely preferable to being late for work but still.

WORK EXPENSE

Milk £0.65

FOOD/GROCERY

Tinned Chilli for the boyfriend £1

Milk, Carrots and Bread £2.79

Big monthly food shop £48.28

Bread and Margarine £2.19

Fajita Mix, Rice, Naan, Poppadom, Cous Cous £10.54

Sponges, Listerine, Ibuprofen £5.28

Frozen Food £9.29

Orange Juice, Fruit and Veg, Cleaning Supplies £6.05

Milk, Bread, a danish pastry for me and a chocolate croissant for the boy £4.13

Although this week has involved a lot of spending it has all been either essential or budgeted for expenses, so I don’t feel too bad about it. I just prefer to keep money in my account/purse for as long as possible.

I made £3 this week in an online survey, £3 in an Amazon voucher through a receipt app I’ve got (Receipt Hog) and cashed out £5.40 on another shopping app (Checkout Smart). So I am making small bits of money.

It feels great to have a slightly reduced overdraft. Can’t wait till it is paid off.

I wish you all a pleasant Sunday.

 

A review of this week

I’m bending the rules a bit here as there have actually been 8 days of the year so far, but I thought I would do a little review of where I stand statistics wise, and Sundays always feel like a nice day for reflection.

NO SPEND DAYS (NSDs) = 3

SPENDING

FOOD/HOUSEHOLD

Tissues £0.80

Milk £1

Bread £0.50

Milk £1

Frozen Onion Packet £1.29

Milk, Orange Juice, Bread, Parsnips, Cucumber and Bananas £4.34

Apples and Grapes £2.19

TOTAL = £11.12

 

PERSONAL SPENDS

HOME: Printer Paper and HDMI Cable = £5 (paid for with a £5 note I found on the floor)

WORK EXPENSE: Milk = £0.80

SOCIAL: Train to friends baby shower = £3.90

SOCIAL: 3 Drinks meeting recently engaged friends with my boyfriend = £7

TOTAL SPEND = £16.70

Also this week I have earned 25p in a supermarket survey (to be uploaded to that supermarkets loyalty card) and a £5 Amazon voucher through the app Shopprize.

I have also earned enough points to exchange for a £10 voucher for a store of my choosing (from a selection) through a shopping data collection company I use.

Including the £5 note I found this week I have earned £20.25 on top of my wages.

The food shopping money comes from a separate budget so this week I am in profit when you compare my personal spends against what I have acquired.

I would find it extremely hard to make every week like this week, but I feel very positive about this start to 2017.

Also I have lost three pounds through healthier eating so go me.

Next week is going to have a few more spends in it than this week. I am on annual leave tomorrow and am using the day to go to the Dentist for a check up. Then I am travelling to a Football Theory session with my team on Tuesday, Wednesday should be a NSD, but Thursday will involve travel to my Football training, and also paying for the football session, Friday will hopefully be a NSD but then I am watching my football team on Saturday and may be seeing friends afterwards.

All of those things have been budgeted for but it still involves money leaving my pocket, something I am keen to do a lot less of this year.

I need to do a tally of all the money I have this month as I am determined to clear one of my credit cards-the one with the balance of only about £90 on it-before payday.

Wish me luck guys.