This Wonderful World of Purchase Power: Financial Review of Week 8/52 2018

Ahem.

I spent more on Thursday and Friday on personal spends then I have in some months. In fact it is very easy to say I spent more this week than I have in some months.

It was all stuff that I needed, and also included The Boy’s birthday present, but the thing was I couldn’t really afford to buy any of it, so I put it on my credit card, reasoning that I had about 6 weeks before the next statement and therefore next due date to find the money. I figured I would do it in instalments.

But it turns out that I have such an aversion to owing money that yesterday I paid the card in full, even though none of the items had cleared yet so my account will be in credit first.

It may mean that I have to not have any fun until I have money again, but I’m glad my debt is cleared.

Let’s get down to business.

FOOD AND HOUSEHOLD SHOPPING

Milk £1.10

Bread, Cookies, Garlic Bread, Chilli Spices x 2, Spaghetti Bolognese Spices x 2 £6.10

Milk, Margarine, Pizza, Baguettes x 2, Pasta Sauce, Crisps, Baking Potatoes, Stew Pack, Apples £8.96

TOTAL = £16.16

Now let’s move on to the B I G spends.

DISPOSABLE INCOME SPENDING

WORK EXPENSES

3 x Cartons of milk £1.79

NON ESSENTIAL FOOD

Jacket Potato and tea £6.70

Coffee and Biscotti £4.15

GIFTS

Sweets for a work colleague £0.75

The Boy’s Birthday Treat Number 2 £63

BEAUTY 

Hair cut and tip £25

Hair Mask, Special Hair Brush and Hair Clips £7.72

CLOTHING

Running Trainers £108.05

16 Pairs of Pants/Knickers (4 x 4 packs) £20

Dressing Gown and Slippers £22.50

SOCIAL

Baguette and Wedges £4.15

Comedy Gig Tickets £6.50

Indian Takeaway £16.10

HEALTH

Dentist appointment £14

TRAVEL (DAY TO DAY)

Bus Ticket £1.60

(Let’s add up this scary amount of money)

TOTAL DISPOSABLE INCOME SPENDS = £302.01 (!!!!!!!!!!!!!)

TOTAL COMBINED SPENDING = £318.17

The funny thing is we are now £1.31 over the food shopping budget after doing the weekly shop, and I knew we only had a little bit left so I was saying to The Boy I wanted to restrict our spending to just the essentials. The Boy, who has plenty of money began ‘It’s great that you have a food budget and that you do all this, but….”

‘You don’t want to be deprived because you have lots of money’ I said.

‘….Yes’

Now, in order to try and claw back some self respect from you all, I will go through my ‘wombles’.*

10% Discount on the Running shoes = £12

Multi Buy savings on the Hair Products = £1.25

Free Biscuits that The Boy has brought back from work = £1.25

Using vouchers I had earned on the Dressing Gown and Slippers = £22

Watching a film for free at the Cinema through volunteering = £7.90

Total savings this week = £44.40

So it could have been a lot worse.

*Womble = Saving money, getting money off, or getting something for free. Based on The Wombles, a UK Children’s TV show about furry creatures who ‘make good use of the things that they find’ (that is a line from their song, yes, they had a song).

 

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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.

 

 

Financial Review of Week 42

Hi everyone.

It’s time to confess.

My mental health hasn’t been great recently and I have been spending.

The thing is, what I am buying is all essential things. Food, toiletries etc.

BUT, we are so shockingly over the ‘Food and Household Shopping Budget’ that it seems laughable to say we ever had a budget in the first place.

I don’t get it, I am only buying what we need, yet the cost of living seems to be so high that it is impossible to stick to the budget.

I really don’t get what has happened.

This is very worrying, because as we all know, on Thursday it will be my last day at work, and unless my life gets a deux ex machina plot device soon it is safe to say I will be unemployed for an as yet indeterminate amount of time.

Anyway, let’s look at how the money has left my wallet this week.

FOOD AND HOUSEHOLD SHOPPING

Pizza £2

Paracetamol, Throat Sweets, Milk £1.35

Face wipes, Plasters, Face Wash, Face Scrub, Mouth Wash, Toothpaste, Day Cream, Razors, Hand Cream, Moisturiser, Paracetamol £26.66

Bag for life, Cereal Bars, Cereal x 2 £7.77

Cheese, Soup x 5, Blue Cheese, Milkshake, Bread Rolls £9.46

Foil, Potatoes, Reed Diffuser, Rice x 4, Paracetamol, Lingerie Wash Bag £8.16

Squash, Orange Juice, Sweet Potatoes, Carrots, Sausages, Cucumber, Bread £8.17

Meat Pies £2

TOTAL SPENDS = £65.57!!!!!!

I’ve spent less on a monthly food shop online at times!

 

Moving swiftly on…

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING 

CONTRABAND (So to recap, these are purchases that go against my rules for the No Spend Year I am doing)

Wraps x 2 £2.65

Sandwich £1.99

Sandwich £2.99

(Total spends = £7.63)

GIFT

Biscuits and Booze £15.82

TRAVEL (DAY TO DAY)

Bus tickets x 4 = £4

TRAVEL (VISITING)

Coach fare to visit Sister in November £45.80

SOCIAL

Train to Bristol £3.90

Water, Gum and Brownie £3.13

Pasty and Wedges £7.28

Coke £3

Cider x 2 £5.30

(Total = £22.61)

TOTAL DISPOSABLE INCOME SPENDS = £95.86

TOTAL COMBINED SPENDING THIS WEEK = £161.43

Erm, that’s a lot of wonga.

Which I don’t have.

I need to get a grip.

 

 

 

Financial Review of Week 37

HI EVERYONE!

I hope you are having a super, duper Sunday, or what remains of it.

I spent nearly 2 hours walking around my local streets taking photos of job advertisements in windows for my Job Spotter app, I’ve made over £10 today on that. Is it ironic that I was taking photos of job advertisement’s, to make money, when I will soon be unemployed?

Things have eased for me a bit financially now that my counsellor suggested she reduces the cost of my sessions to £15 from £25, plus I have sold some DVDs and made another £7.47. I’m still spending money, but to a lesser extent.

FOOD AND HOUSEHOLD SHOPPING

Pizza £2

Rolls and Jamaican Pattie £1.55

OJ, Milk, Bag for Life x 2, Mascarpone, Cheese, Potatoes, Sweet Potatoes, Cucumber, Grapes, Spinach, Bread £11.20

Flax Seed and 2 boxes of treats for the boy £6.50

Gum, Tropical Juice, Milk, Carrots, Eggs £4.80

TOTAL FOOD AND HOUSEHOLD SHOPPING SPENDS = £26.05

I am officially over budget on the Food shopping now. 9 days to go…

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

5 x Bus Tickets = £5

HEALTH

5 x Packets of Gum = £4.95

SOCIAL

Burger with the boy £10

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING SPENDS = £19.95

TOTAL COMBINED SPENDS THIS WEEK = £46

Not bad, but I definitely can’t repeat that sort of spending next week. I’m skint!