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!

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Financial Review of Week 36

HI EVERYBODY!

I don’t plan on leaving the house today, I’ve got too much desperate-search-for-a-new-job to keep me going. Plus I’ve got to batch cook my work lunches, it will be lentil based I’m sure, I just don’t know what. I am going to look through my cupboards later for inspiration.

So here, a little early, is the financial review of this week.

FOOD AND HOUSEHOLD SHOPPING

As it was Zero Waste Week this week I wanted to go Monday-Friday only buying Milk and Bread and saving other items for the weekend shop on the basis we had SO MUCH F****** FOOD in the house.

We achieved that.

Mon-Fri

Milk and Bread £2.09

Sat

Milk, Yoghurts x 2, Sweet Potatoes, Potatoes, Cucumber, Parsnip, Carrots £6.10

Toilet Roll £3.99

Kitchen Roll, Coat Hangers, Electric Toothbrush Replacement Heads £9.97

Frozen Onion and Frozen Sweetcorn £2.29

Sponges, Bread Rolls, Mozzarella x 2 £2.40

TOTAL FOOD AND HOUSEHOLD SPENDS = £26.84

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

Bus Tickets x 5 = £5

CONTRABAND

2 x Rolls = £4.60

Chocolate Bars x 3 = £1.50

SD Card for Phone £1.21

Rain Coat £5.50

TOTAL = £12.81!!!!!!!! (YOWZA’S)

HEALTH

Gum x 4 = £3.96

POSTAGE AND PACKAGING

Posting Birthday Presents x 2 = £4.70

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £26.47

TOTAL COMBINED SPENDING THIS WEEK = £53.31

Let’s look at some stats.

I have £16.05 left of the food and household shopping budget with…ahem…16 days until it resets. I think we may be eating dust for a part of that time if we want to remain in budget. I know there are all those challenges where you live on £1 a day, which I am tempted to try

In terms of my disposable income left I have….£0. Well, I do have some money in my bank account, but I want to do some damage control first to see how much I have left after bills are taken out (I get my final statement of the month tomorrow) and I may be in debt already as I owe the boy some money for a football match ticket we are going to in October. So I’m guessing part of today may involve selling everything I own on Ebay.

I was talking to my counsellor last Monday about my money troubles and she offered to reduce the rate down to £15 a session, which I initially said no to, but man I am so tempted, but I think there is a real chance I may become unemployed soon so I may save the offer till then when I will really need it.

Things are going to get tough. We are on the descent to Christmas, an event I pretty much have to plan in January in order to figure out how I can afford to do it. I have a large family, plus the boy’s family, plus certain key friends, plus the boy to all consider. I like to send Christmas cards to everyone and anyone and have many family members living overseas. I also have family members who have birthdays either in December or January and I include them in the Christmas budget. Plus there is the Boxing Day Football match, train tickets to see my family who live in the South of England, plus wrapping paper!!!!

All in all I think Christmas will cost me around about £500, and I will have to subsidise a lot of that with vouchers I earn through survey sites. It will be tough, but possible.

 

 

Financial Review of Week 35

The review of the week of 28th August to 3rd September.

FOOD AND HOUSEHOLD SPENDING

Milk and Lucozade (I was ill) £2

Shampoo, Conditioner, Coconut Milk, Fajita Spices, Poppadoms, Veg Rice x 2 £6.13

Milk, Orange Juice, Mozzarella, Apples, Cucumber, Gum, Bananas, Carrots £7.47

Disappointing Danish and Crap Coffee £4.30

Tin Opener, Whisk, Vitamin C Tablets £5

Donuts and Biscuits £1.65

TOTAL SPENDS = £26.55

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND

Cookbook £2

TRAVEL (DAY TO DAY)

Bus £1

HEALTH

Gum and water £1.86

Cold Sore Cream £1.24 (Total £3.10)

SOCIAL

Lovely meal with the boy to celebrate him getting a new job £20

Cheese wrap, Chips, Milkshake £11

3 Scoops of Ice Cream £3.95 (Total = £34.95)

TOTAL DISPOSABLE SPENDING = £41.05

TOTAL SPENDING LAST WEEK = £67.60

I have virtually no money left, and I have spent this week too! You can read all about it tomorrow.

 

Financial Review of Week 34

Howdy everybody.

Week 34 involved payday, so that meant we could buy food again without doing any ‘creative accounting’.

FOOD AND HOUSEHOLD SHOPPING

Vitamins, Stock Powder and Dried Figs £15.27

Rice, Naan, Poppadoms and Wraps £7.68

Meat for the boy, Frozen peppers and onions £10.29

Listerine, Toothpaste, Dental Floss £10.95

Milk, Sweet Potatoes, Chocolate Chips, Cucumber, Baking Potatoes, Bananas, Bread £7.15

BIG ONLINE FOOD SHOP 1 £59.21

BIG ONLINE FOOD SHOP 2 £45.87

Tupperwares and baking trays £6.56

Ice Cream, Apple Pie, Coconut Oil, Eggs £11.09

TOTAL = £174.07 (YIKES!)

 

DISPOSABLE/DISCRETIONARY SPENDING

CONTRABAND

Coffee £2.35

Gum and Sandwich £5

Sandwich and Chocolate Bar £2.89

2018 Diary £0.99

TOTAL = £11.23

TRAVEL (DAY TO DAY)

Bus Tickets x 5 = £7

SOCIAL

Takeaway Pizza whilst watching WWE Summer Slam £10

Treats for Summer Slam £3.19

Wetherspoons Dinner £4.55

TOTAL = £17.74

HEALTH

Gum £1.58

Gum £0.99

TOTAL = £1.57

POSTAGE AND PACKAGING

Postage and Packaging on order £1.49

12 First Class Stamps £7.80

2 x Envelopes, 3 x Postcards £3.16

TOTAL = £12.55

TOTAL DISPOSABLE SPENDING = £50.09

TOTAL COMBINED SPENDING = £224.16

Quite a hefty week spends wise. I will have to rein it in a bit the rest of the month.

I mean, I don’t really have a choice. I don’t have enough money left to have that sort of week again.

 

FINANCIAL REVIEW OF WEEK 33

Hi everyone,

Let’s get to it.

FOOD AND HOUSEHOLD SHOPPING

Mayonaise, Lettuce, Cherry Tomatoes, Burger Buns £3.55

Paracetamol x 2, Hay Fever Tablets, Gum £2.16

Milk, Mushy Peas x 2, Cheese, Cottage Cheese, Eggs, Paprika, Sweet Potato, Potatoes, Cucumber £9.63

Orange Juice, Milk, Bread £2.59

TOTAL = £17.93

DISPOSABLE/DISCRETIONARY SPENDING

Travel (Day to Day)

Bus Tickets x 6 = £7

Health

Gum x 2 = £1.98

Contraband

5 Coffees and 1 Cake = £7.94

Postage and Packaging

Envelopes x 2 (£2)

Posting 2 Ebay parcels (£19.40)

TOTAL = £21.40

TOTAL DISPOSABLE SPENDING = £38.32

TOTAL SPENDING THIS WEEK = £56.25

 

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 30

Another week, practically another month.

I survive, but barely. I have gone spectacularly off the rails. I need to get a grip.

Anywho….

FOOD AND HOUSEHOLD SHOPPING

Fake Feta, Milkshake for the boy, Orange Juice, Red Onion £2.86

Bag Charge, Icecreams, Milk, Bread £3.10

Big Tesco Food Shop £69.09

Tupperware £4

Cookies for the boy £1

Three shower gels £4.47

Microwave rice, Interior dehumidifiers, ‘ladies items’, shower gel, hand wash, toilet roll £15.75

Frozen onion, frozen peppers, 2 x pizzas £6.58

White sauce, tikka masala sauce, mango chutney, raspberries, grapes, cake, apples, mackerel snack pots, bananas, parsnip, carrots, red onion, baking potatoes £13.77

Eggs and posh cheese £6

Big Morrison’s food shop £48.65

Bread and cucumber £1.85

TOTAL SPENDS ON FOOD/HOUSEHOLD STUFF THIS WEEK = £182.71

Yowza’s!

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

5 X Bus tickets = £5

CONTRABAND/I F***** UP

Can of Rio before counselling £1.50

Coffee x 2 = £2

Breakfast x 2 = £4.60

Gum x 3 = £2.37

Lunch £5.30

Snacks £5.44

Hot chocolate £2.50

TOTAL = £21.21

SOCIAL

Cocktails £8.75

Burger, chips and a diet coke £15

Americano £2.15

TOTAL = £24.90

TOTAL DISPOSABLE INCOME SPENDING = £51.11

TOTAL SPENDING THIS WEEK = £233.82

I have spent far too much money.

I need to cut myself off from things.

I need to return to my values.