Money is fast becoming a priority. I am so lucky to be earning a full wage and be able to work from home during this time, but that doesn’t mean I can stop doing my best with my money. I am classed as a low earner, so I think my earning potential is limited, so I will always have to be careful with money. Though I can see that currently I am doing ok.
Let me take you through this week.
The Monday after the Bank Holiday weekend. I ended up having my most productive day at work since working from home, so I really felt good about that. But it looks like we may have the beginning of an ant problem in our flat. Which is even stranger given that it is a first floor flat. Before today the flat mate and I had never seen any ants in our flat, ever. Today we saw, and killed, four. I have a mild ant phobia and this did bring on some anxiety for me which took a little while to calm down from. I dealt with it proactively by going through all the cupboards that store food and wiping them down and cleaning them with the old style favourite of distilled white vinegar spray. It stung my nostrils a little but the cupboards looked all nice and shiny. I placed opened packets of food in sealed jars and Tupperware’s to prevent a further problem. Haven’t seen an ant since this afternoon so maybe they know not to mess with me.
I received a £50 Amazon voucher from a side hustle market research panel I’m signed up to today, so I placed an order that had been in my online basket for a while. I bought a foot rest as it would really help my posture at my work desk, some cleanser that my skin care expert friend has recommended, a writing set, a ceramic food storage container that I am going to attempt a new sourdough starter with, some dots for spots (a skincare treatment for pimples) and some reusable bamboo kitchen roll that I’m going to give a try. The order after vouchers was £13.34, the bamboo kitchen roll I’ve placed on the food shopping budget so that was £8.49 (about £4.25 for my half) and the remaining £4.85 I counted as a ‘beauty’ category spend on my spreadsheets.
I also had a delivery of a 6 pack of oat milk, 2 packs of V60 coffee filters and a packet of ground Welsh coffee. I haven’t actually had the invoice yet so I’m not sure how much it will be.
I received the invoice for the coffee shop delivery yesterday so I paid that straight away. It was £25.31, so £12.66 for my half.
The ants are still being a bother. I am deep cleaning various areas of the house and hoovering the floors and spraying white vinegar everywhere. Our house smells like a chip shop, but I like it now.
The flat mate and I cooked a batch of spaghetti Bolognese that will do for tomorrow’s lunch as well.
I have been taking part in an online book writing challenge, though interestingly it doesn’t really involve much writing. But it is a good way to get feedback on various things such as the potential title for my book, and I’m actually really coming to like it. It’s good for me to get out of my shell and do things that may help me in the long run.
Money is getting tight as the month draws on. The food shopping has naturally gone up now that the flat mate is back and I really don’t think we’ll make it to the end of the month with the food budget in tact so it is about minimizing the damage where possible.
The ants are bothering me so much that I went on Amazon and ordered some ant killer. I tried the humane way, it hasn’t worked. The ant killer was £7.39 which the flat mate and I will split between us. It was the flat mate’s turn to brave going to the shops and he came back having spent £40.02 which is normal for lock down prices, but it means we only have about £25 of the food budget left to last 2 weeks, so my worries yesterday will almost definitely come true. I guess I’ll just have to cope with it. Or maybe I’ll look to see if I can increase the food budget for the months going forward. I’d rather have a plan and reduce my disposable income then be caught by surprise at the end of the month.
My friend gave birth two weeks ago and I’m finally getting the hang of using Moon Pig, so I ordered her, or more specifically her son a card to send to them. That was £4.05. I’m the sort of person who regularly took advantage of the ’10 cards for £1’ Card Factory deals so these cards are really starting to add up cost wise but I have come to quite like them. People should have nice cards.
I was feeling really ill today. The flat mate and I had made a big Indian dinner the night before and I was feeling bad from it today. Knowing I was too nauseated to eat much lunch I went for a long run at lunchtime to make the most of it. Long is a relative term, it was 6km, but certainly longer than any other run I’ve done since lock down began. It was a truly terrible run when I was doing it, but when I got home and recovered from my increased nausea I felt much better about it.
As a result of this I didn’t spend any money today which is good!
I have a rolling three month subscription to a magazine called ‘Money Wise’ that is definitely worth every penny of the small £7.50 charge every three months. That payment came out today. I had forgotten about this coming out of my main bank account though I knew it would be coming out this month. I work to a zero based budget in my main bank account only holding enough money in it for bills and food, so if I let this £7.50 charge come out it would mean I would eventually go overdrawn. So I transferred £7.50 from my Monzo account as this magazine subscription is definitely a fun spend back into my main bank account.
The Flat mate had gone to the shops earlier today and spent £14.05 (£7.03) on a few bits and pieces for the fridge. We know don’t have very much of the food budget left at all so I imagine we will go over budget this month for sure.
We considered watching ‘Long Shot’ on Netflix as a friend had recommended it saying it was better than expected. The friend probably meant the Charlize Theron and Seth Rogan film, but instead we found a 40 minute Netflix film about a wrongfully convicted man in Los Angeles and decided to watch that one instead, and I do recommend it.
I’m eagerly awaiting our ant killer to arrive. I’ve tried getting rid of them humanely and they just keep coming back. At the end of the day they are a pest and I want them out of my flat. I’ve deep cleaned so many different areas of the flat and I’m pissed off that they’re still here, it’s really bothering me.
I had gone for a run along a new route today. It was also much quieter. I think I’ve finally twigged that just because I live opposite a park it doesn’t mean I should run away there because everyone wants to be at the park. On my way back after finishing the run by the edge of the park there were Police Community Support Officers talking to people and asking them what they were up to which just highlights that it is a different world we are living in.
One good thing about lock down is when I turn my work computer off at 5pm I can be at the ‘pub’ (my living room) within 1 minute to begin the weekend.
I practiced my French on Duolingo today for about an hour. I did a small 2.22km run. Later on I did some writing. In the evening I began investigating products I needed to buy as part of my skincare regime. Something I had in my Amazon basket seemed to have been removed from the site so I began looking for it on other sites. I found it on the Superdrug website and as I needed a few other things I ordered them too. It was my first time using the site for an order and I had to figure out which products would be in stock to order as some things I originally placed in my basket weren’t available to be delivered, so I had to replace them. I bought hair remover, serum, eye cream and body scrub. It came to £22.72 which was the majority of what I had left remaining in my Monzo account so I really don’t have much left to survive the month with, but then again it’s not like I’m going anywhere or doing anything.
The flat mate and I started watching End of the F****** World and I’m not sure what to make of it, it is a bit grim and dark though that’s not usually a problem for me. I’m so glad I’m not a teenager anymore, far too many hormones raging about the place. It’s much easier being an adult.
My sleep has fallen out of balance recently. I used to do a digital detox and now I’m still on my phone and laptop late at night and I need to work on that as it’s messing with my sleep. I’m going to spend tomorrow onwards getting back into the habit of going to bed and getting up at a sensible time. I much prefer my old routine of getting up at 6am and going to bed at 10pm.
I don’t normally spend any money on a Sunday, at least not during lockdown. I have no plans to go to the shops as I’m planning on doing that tomorrow. I don’t really have any disposable income money left so I won’t be buying anything personal for myself, so that is the end of my spending for this week.
EDITED LATER TO ADD
Turns out we had run out of gravy, so I went to the shops and decided that I might as well blow the budget and buy everything we needed. A biggish shop later of £31.70 (£15.85) will hopefully keep me out of the shops for a while.
FOOD = £126.96/my half £63.48
PERSONAL SPENDS = £31.62
TOTAL MONEY SPENT THIS WEEK = £95.10