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.
Milk and Bread £2.09
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
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)
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.