So it is now mid-February, so I think I can safely say I survived January, let’s look at how well I survived January, financially and personally.
Long time readers of my blog will know I do financial reviews of my spending and accounts each month, but I have decided I will reflect on how I have developed on a personal level, or something like that.
FIRST OF ALL MY DISPOSABLE INCOME SPENDING……
WORK EXPENSES (Milk, Coffee, Things for my Desk) = £7.08
HOBBIES – BOOKS = £13.98
TRAVEL (DAY TO DAY) = £26.70
CLOTHING = £51.13
SOCIAL = £44.35
HOMEWARE = £17.51
GIFTS = £8.18
HOBBIES – HEALTH = £4.50
TOTAL SPENDS = £173.43
Not bad, I think it is clear I need about £200 as a disposable income each month, just to cover all my expenses.
JANUARY 2018 ACCOUNTS
I also like to look at my money in versus my money out each month.
Let’s have a gander.
Christmas Present Money £120
TOTAL = £1014
Expenses post Dec payday £55.55
Expenses Pre Jan payday £147.13
TOTAL = £876.83
MONEY IN – MONEY OUT = £137.17
So I was in profit in January, of sorts. I did have to borrow money off The Boy, so I was not really in profit, but at least I didn’t spend more then I had.
In January I posted 2 Recipe posts.
I had 13 No Spend Days.
I (think I) read 2 books. I know I read 1, which was Dave Ramsey’s ‘Total Money Makeover’ , I sense that I read another one but I can’t remember what it was. Either way I need to read more.
I went to the gym 8 times and had one personal training session.
I believe I had 4 days of illness, boooooo!
I ‘wombled’ £197.76
I lost 8.625 pounds.
A good start to the year, but I want to do better.