Hi Everybody,
Another week draws to a close. I have a very rare day off tomorrow-my first since the 27th of December. It is because The Boy and I are staying up late to watch the WWE pay per view of The Royal Rumble tonight, which will finish around 4 or 5 in the morning. We are going to eat a lot of pizza and I am going to drink a lot of coffee.
I had a bit of a down moment on Friday night, as all my needs are covered financially, but none of my ‘wants’ are. Christmas set me back financially. I get paid weekly at Job 1, and in the run up to Christmas I would keep safe 4 week’s worth of wages, so that when it was the end of the month I would have a monthly ‘payday’ and I would be set up for the month ahead.
But now I am sort of accruing my wages throughout the month and by the fourth week I have all the money to pay the bills – but it is ‘last’ months bills. So I am trying to restrict my spending so that I can get back to the way I used to be, but this will mean my safe disposable income spending money in February will be about £50, which scares me. It’s more than some people will ever have each month, I know I should be grateful, but I will have to have gazelle intensity to make it through.
Without further ado let’s begin.
FOOD AND HOUSEHOLD SHOPPING
| Crème Egg Pots of Joy, Bread, Tortilla Chips, 2 x Jam Donut | 2.98 |
| Night Cream, 2 x Toner, Shower Gel, Tampons | 14.47 |
| Coffee for Work, Greek Yoghurt, Cold Tea Infusions, Herbal Tea x 2 | 5.95 |
| White lasagne sauce | 0.65 |
| Milk, OJ, Salad, Carrots, Potatoes, Rice, Cucumber | 4.24 |
| Toothpaste | 1.99 |
| Strawberries, Rice, Crisps, Chocolate, Prawn Crackers | 5.17 |
| Pizza | 4 |
| Tissues x 2, Milkshake x 2, Handwash, Celery, Grapes | 5.76 |
| Poppadoms, Pizza | 3.75 |
| Tikka Masala Sauce, Pilau Rice, Naan Bread, Wraps, Gum | 3.57 |
| 4 x Onion Bharji’s | 1 |
| Lucozade Bottles, Pepsi, Cookies X 2 | 6.5 |
TOTAL SPENDS = £60.03
We overspent this week because we have bought treats for tonight, and because as the month draws to a close we are running out of things, as a result we are now over our food budget, which doesn’t worry The Boy but it does worry me as these overspends eat into next month’s disposable income.
I am still trying to use things up in the cupboard, and it is going reasonably well. Another reason for the high food spends is The Boy and I have both gotten better at bringing lunch from home when we go to work. This is obviously cheaper than buying lunch in a work canteen, it is frugal batch cooking, but this eats into the food budget whereas The Boy and I buying lunch at work would be a personal spend.
I will try better next month.
DISPOSABLE INCOME SPENDING
TRAVEL (DAY TO DAY)
Train ticket to football £4.10
SOCIAL
Round of drinks £11.05
I went out for a friend’s birthday and bought one round of drinks, I then panicked I wouldn’t be able to buy anymore after that.
NON ESSENTIAL FOOD
Bottle of water £1.20
TOTAL DISPOSABLE INCOME SPENDING = £16.35
TOTAL COMBINED SPENDING = £76.38
This is rather a lot to spend in the last full week of the month, but I will survive.
Flo's Debt Free Diary 