This Wonderful World of Purchase Power: Financial Review of Week 8/52 2018

Ahem.

I spent more on Thursday and Friday on personal spends then I have in some months. In fact it is very easy to say I spent more this week than I have in some months.

It was all stuff that I needed, and also included The Boy’s birthday present, but the thing was I couldn’t really afford to buy any of it, so I put it on my credit card, reasoning that I had about 6 weeks before the next statement and therefore next due date to find the money. I figured I would do it in instalments.

But it turns out that I have such an aversion to owing money that yesterday I paid the card in full, even though none of the items had cleared yet so my account will be in credit first.

It may mean that I have to not have any fun until I have money again, but I’m glad my debt is cleared.

Let’s get down to business.

FOOD AND HOUSEHOLD SHOPPING

Milk £1.10

Bread, Cookies, Garlic Bread, Chilli Spices x 2, Spaghetti Bolognese Spices x 2 £6.10

Milk, Margarine, Pizza, Baguettes x 2, Pasta Sauce, Crisps, Baking Potatoes, Stew Pack, Apples £8.96

TOTAL = £16.16

Now let’s move on to the B I G spends.

DISPOSABLE INCOME SPENDING

WORK EXPENSES

3 x Cartons of milk £1.79

NON ESSENTIAL FOOD

Jacket Potato and tea £6.70

Coffee and Biscotti £4.15

GIFTS

Sweets for a work colleague £0.75

The Boy’s Birthday Treat Number 2 £63

BEAUTY 

Hair cut and tip £25

Hair Mask, Special Hair Brush and Hair Clips £7.72

CLOTHING

Running Trainers £108.05

16 Pairs of Pants/Knickers (4 x 4 packs) £20

Dressing Gown and Slippers £22.50

SOCIAL

Baguette and Wedges £4.15

Comedy Gig Tickets £6.50

Indian Takeaway £16.10

HEALTH

Dentist appointment £14

TRAVEL (DAY TO DAY)

Bus Ticket £1.60

(Let’s add up this scary amount of money)

TOTAL DISPOSABLE INCOME SPENDS = £302.01 (!!!!!!!!!!!!!)

TOTAL COMBINED SPENDING = £318.17

The funny thing is we are now £1.31 over the food shopping budget after doing the weekly shop, and I knew we only had a little bit left so I was saying to The Boy I wanted to restrict our spending to just the essentials. The Boy, who has plenty of money began ‘It’s great that you have a food budget and that you do all this, but….”

‘You don’t want to be deprived because you have lots of money’ I said.

‘….Yes’

Now, in order to try and claw back some self respect from you all, I will go through my ‘wombles’.*

10% Discount on the Running shoes = £12

Multi Buy savings on the Hair Products = £1.25

Free Biscuits that The Boy has brought back from work = £1.25

Using vouchers I had earned on the Dressing Gown and Slippers = £22

Watching a film for free at the Cinema through volunteering = £7.90

Total savings this week = £44.40

So it could have been a lot worse.

*Womble = Saving money, getting money off, or getting something for free. Based on The Wombles, a UK Children’s TV show about furry creatures who ‘make good use of the things that they find’ (that is a line from their song, yes, they had a song).

 

Financial Review of Week 7/52 2018

Hi everybody,

I would like to thank all my followers, old and new, for reading, cheers!

Let’s see how I foolishly wasted wisely invested my money this week.

FOOD AND HOUSEHOLD SHOPPING

IMG_7496

Ice Cream, Milk, Golden Syrup £3.84

Milk, Wash Tablets, Orange Juice, Cheese, Frozen Sweetcorn, Apples, Rice, Prawn Crackers £14.92

Poppadoms £1.45

IMG_7498

Coconut Water x 4, Pizza x 2, Naan Bread, Poppadoms, Cookies x 2, Pilau Rice, Quorn Pieces, Quorn Mince, Baking Potatoes, Agave Syrup, Greek Yoghurt, Cucumber, Chicken Fillets £16.16

IMG_7497

Laundry Cleanser x 2, Washing Machine Cleaner £2.97

Beer x 3, Milkshake, Chocolate Treats x 2 £6.50 

Bread, Beetroot Shots x 2, Cayenne Shot £4

TOTAL SPENDS = £49.64

DISPOSABLE INCOME SPENDING

HOBBIES – HEALTH

2 x Magazines £8.40

Sports Watch £5.99

Race for Life Pretty Muddy £20

Magazine £4

Resistance Bands £3.50

(Total = £41.89)

POSTAGE AND PACKAGING

Stamps £7.80

GIFTS

Thank you cards £2.98

The Boy’s Birthday Treat Number 1 £30

TRAVEL (DAY TO DAY)

Taxi £2 (The Boy gave me £5 towards it)

Bus £3.40

HOMEWARE

Memory Box £2.49

SOCIAL 

Meal out with The Boy £20

CLOTHING

Work Trousers £5

Exercise Trousers £8

NON ESSENTIAL FOOD

Coffee £2.70

TOTAL DISPOSABLE INCOME SPENDING = £84.37 

TOTAL COMBINED SPENDING = £134.01

Financial Review of Week 5/52 2018

Hi Everybody,

The house needed restocking of food, apparently, despite the cupboards being full, but I think I just have ‘new month = new stock’ as a train of thought in my head.

This week I had some pretty good bargains, or ‘wombles’ as I call them. I bought a £61.65 Amazon order which contained:

  • A meat thermometer and raw meat chopping board (as although I don’t eat meat The Boy wants to introduce some real meat into his diet instead of frozen and probably inhumanely reared meat).
  • A Mother’s Day present for both my Mum and Step Mum.
  • A birthday present for my friend’s nearly 1 year old daughter.
  • A birthday present for the friend above.
  • A copy of the Queen album ‘Jazz’ as I own it on Vinyl but not CD.

This order only cost me £1.65 as I used £60 in vouchers I had earned through my side hustles.

I also ‘wombled’ the below:

The Linguine and Ground Almonds I received from a friend who had listed them on OLIO, and the beers were given to us from The Boy’s parents as they were leftover from a meal we had together on Friday.

Lets get on to my spending this week.

FOOD AND HOUSEHOLD SHOPPING

Macaroni £0.56

BIG ONLINE FOOD SHOP £64.61

Tomato soup x 2, Milk, Greek Yoghurt, Margarine x 2, Microwave Rice x 4, Food and Freezer Bags, Frozen Peas, Gum, Frozen Fruit, Night Cream, Quorn Pieces, Mozzarella, Spaghetti, Tomato Puree x 2, Stew Pack of Veg, Cucumber, Celery, Apples, Cheese Rolls, Naan Bread, Cherry Tomatoes, Lettuce, Bread, Poppadoms, Eggs £24.76

TOTAL SPENDS = £89.93

DISPOSABLE INCOME SPENDING

GIFTS

Amazon order £1.65

TRAVEL (DAY TO DAY)

Bus £3

Train to Newport £5.30

HOBBIES – HEALTH

Padlock for gym locker £4.50

SOCIAL

Pie and Cider £13.80

Takeaway Chinese £15

TOTAL DISPOSABLE INCOME SPENDING = £43.25

TOTAL SPENDING THIS WEEK = £133.18

 

 

Financial Review of Week 4/52 2018

This week has been great, but in the last hour I have made a clumsy and costly mistake.

You see those cards in the photo? A nice stash of Birthday, Mother’s Day, New Baby etc cards.

I totally spilt coffee on them.

Now I have to weigh up how cheap I am versus how much I don’t want to give my friends birthday cards that have coffee stains on them. Hmm.

In fact this weekend I have been a bit clumsy. I knocked the cottage cheese on to the floor and broke the tub, I pinched my finger on the pump on the hand wash and I forgot to buy Greek yogurt so I had to go back to the shops.

I did manage to buy some rainbow carrots though which I am looking forward to trying.

I am currently up to 12 No Spend Days, so I have met my monthly target, and I may score a few more before the month is out.

Let’s see how I spent my money this week.

 

FOOD AND HOUSEHOLD SHOPPING

Milk £1.09

Stock Powder £2.54

Baking Paper and Handwash x 2 £2.57

Diced Frozen Onion £1.29

Clearisel Face Scrub, Clearisel Face Wash, Bleach x 2, Cistern Blocks x 2, Mouth wash £13.99

Sardines x 2, Mackerel, Cheese x 2, Aerosol Cream, Cucumber, Rolls, Bread, Mozzarella, Baby Potatoes, Potatoes, Cottage Cheese £12.93

Pizza x 2, Milk, Chocolate Desserts x 3, Greek Yogurt x 2 £11.04

TOTAL SPENDS = £45.45 

 

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

2 x Single Bus Tickets £3.20

1 x Day Bus Ticket £3

(Total = £6.20)

HOBBIES – BOOKS

Tinned Fish Cook Book £2

SOCIAL

Jacket Potato £6

GIFTS

Various Birthday cards £5.35

WORK EXPENSES

Milk for work £0.80

TOTAL SPENDS = £20.35

 

TOTAL COMBINED SPENDING THIS WEEK = £65.80

I think that was a pretty lean week, but I will be expecting bigger spends next week as I have a food delivery coming. And I am planning on ordering a bumper Amazon order for upcoming birthday’s and Mother’s Day tomorrow so will probably spend at least a couple of quid then (I have a lot of vouchers to use).

Financial Review of Week 46

Hmmmmmmm.

Something is amiss.

As I went to do my weekly transmitting of bar code’s to Shop and Scan I noticed that I had 13 food shopping receipts.

One show I love is Eat Well For Less on the BBC. On this show they take a family who are struggling with their food bills (although one family of four was spending £14000 a year on their grocery shopping, which may stretch the traditional definition of ‘struggling’) and every show the family is asked how much they spent and how many times they went to the shops. And the poor family never get it right.

And I would feel a little flabbergasted and be like ‘How can you not know?’ as I have a meticulous record of everything I have spent since April 1st 2015.

Well….

I have this saying which is ‘I write things down in my diary so I don’t have to remember’

So I had no idea I made 13 food shopping transactions this week.

And I don’t know how much I spent. I will soon find out how much I spent, as I do have the records, but I’m going to play a game and make a guess now.

I guess that I spent around £40 on food this week.

I guess that I spent around £40 on non food things this week.

Let’s see how far off the mark I am.

FOOD AND HOUSEHOLD SHOPPING

Batteries, Rice x 4, Prunes, Toilet Cleanser £4.63

Soup x 2, Bread Rolls, Eggs, Mincemeat, Food colouring x 2, Treacle £8.85

Milk, Self Raising Flour, Carrots £2.16

Sweetcorn, Demerara Sugar, Paprika, Soft Brown Sugar, Spaghetti £5.10

Laundry Cleanser £2.99

Scampi £1

Rice Krispies, Orange Juice £3.69

Sandwich tins x 2, Bramble Jelly, Baking Tray £2.25 (Used a £5 off Voucher)

Teabags, Milk, Bread £4.24

Naan Bread £0.49

Milk, Orange Juice, 2 x Men’s Shower Gel, 3 x Hand Wash, Frozen Broccoli, Quorn Pieces, Apples, Baking Potatoes, Sponges, 2 x Cheese Rolls £10.35

TOTAL = £45.75

So in this category I have spent more then I thought I had. So that’s one I’ve got wrong.

Let’s see the disposable income now.

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND

Weighing myself £0.70 (my scales are broken and I am trying to keep track of my weight, it is so far not going well)

Coat Hangers £2.99

4 items of clothing £2

TOTAL = £5.69

SOCIAL

Coach to Birmingham to see Queen in December £40.20 (ok, so my guess is completely f***** now)

GIFT

Present for friend £2

2 x Cards £1.18

TOTAL = £3.18

POSTAGE AND PACKAGING

Envelope £0.75

Posting Present to Friend £3.40

TOTAL = £4.15

HOMEWARE

Plant tray £1.74

CLOTHING MAINTENANCE

Re-soling shoes £14.95

Fixing 2 items of clothing £8

TOTAL = £22.95

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £77.91

TOTAL COMBINED SPENDING THIS WEEK = £123.66

So I was out on my guess about the food spends by about 14%, and I was out on my guess of my disposable income spending by a huge near 95%.

Let’s is, oh, how do I say it? TERRIBLE.

Given that I now only have about £4.65 in my wallet, and about £9 something in my savings, and still no job, I may have to look at selling some more stuff.

Financial Review of Week 45

Hello all.

This is the last of these till Sunday when I do a review of this week’s spending, how exciting (not).

FOOD AND HOUSEHOLD SHOPPING

Big Tesco Shop £61.86

Marmite £2.25

Toilet Roll £3.99

Milk and Bread £1.85

Probiotic £8.09

Lots of tins, Lots of noodles, Lots of tea £12.85

Coleslaw, Gum, Icing writing pens £5.34

Milk, Chocolate, Sandwiches, Mozzarella, Cucumber, Bread £7.57

Crisps, Potatoes, Tomatoes, Sweetcorn £4.25

Pizza £3.90

TOTAL SPENDS = £111.95

DISPOSABLE INCOME SPENDING

GIFTS

10 x Coffee Jars for Food Bank = £7.90

New Baby Cards £1.38

(Total = £9.28 )

CONTRABAND

Money tin £2.39

Weighing myself £1

It’s a Wonderful Life DVD £7

Coffee £3.05

(Total = £13.44 )

POSTAGE AND PACKAGING

Posting card to my cousin in America £2.27

SOCIAL

Indian Night £8.05

Dessert £2.50

(Total = £10.55 )

TOTAL DISPOSABLE INCOME SPENDING = £35.54

TOTAL COMBINED SPENDING LAST WEEK = £147.49

Well, I’ve definitely run out of money now, I think this week will show much leaner spendings.

 

Financial Review of Week 44

I’ve got a lot of catching up to do regarding these weekly reviews so let’s crack on.

FINANCIAL REVIEW OF WEEK 44 (October 30th – November 5th)

FOOD AND HOUSEHOLD SHOPPING

(Things the boy bought whilst I was away)

Chocolate, Fries, Pizza, Pepsi £7.29

Plasters £1

Strawberries £1.49

Chicken, Orange Juice, Bread Rolls £3.81

Flu Max, Cold Remedy, Deodorant x 2 £5.50

Pizza and Cherry Tomatoes £4.75

Milk, Butter £2

(Things I bought once I returned)

Frozen Chicken, Chicken Dippers, Chicken Tikka £11

Chickpeas x 3, Carrots, Parsnip, Potatoes, Apples, Bananas, Grapes, Sausages £9.98

TOTAL SPENDS = £46.82

DISPOSABLE INCOME SPENDING

GIFTS

Food things for my parents £6.17

Mother in Law’s Birthday Present £19.14

(Total = £25.31)

SOCIAL

Train fare to meet friend £6.90

Train fare to meet Aunt £4.50

Train fare to meet Granddad £3.40

Beer £5.20 

Round of drinks £15 

Takeaway Pizza £7

Contribution to Petrol £5

Breakfast £9

Train home £5.10

(Total = £61.10)

CONTRABAND

Lunch £4.09

Tea £2.10

(Total = £6.19)

TOTAL DISPOSABLE INCOME SPENDING = £92.60

TOTAL COMBINED SPENDING THIS WEEK = £139.42

A lot of money was spent, but I was ‘sort of’ on holiday.

 

 

 

 

My Top 10 Own Brand Products From Sainsbury’s

Disclaimer: The prices quoted in this blog post were what I most recently paid for the item, so it is possible they have changed since then. Also this blog post is entirely of my own doing and is not affiliated with or endorsed by Sainsbury’s in any way.

As a student I almost exclusively shopped at Sainsbury’s as it was the biggest supermarket nearest to where I lived. I was not aware at that time that Sainsbury’s had a reputation for being upmarket and therefore expensive until someone I worked with asked where I shopped and when I said Sainsbury’s they said in disgust ‘Huh, you’re rich’

(Despite the fact I only bought Sainsbury’s basic products and was from a low income family, the people I worked with thought I was rich because I chose to shop at the supermarket I could get to on foot, and they were sending their kids at University money each month whereas I was working two jobs just to survive. C’est la vie.)

Anyway, as my funds decreased I had to become a bit more savvy about where I shopped in order to get the best deal, and Sainsbury’s rarely made the cut.

I generally no longer shop at Sainsbury’s unless I feel like treating myself, because Sainsbury’s do genuinely do some nice, what I consider ‘fancy’ products, and I felt bad neglecting a supermarket that had served me well for many years.

As I am long out of the habit of shopping regularly at Sainsbury’s I have gone for some old favourites and it is possible that Sainsbury’s has a much wider range of quality own brand products, this is just what I have chosen.

#1 Sainsbury’s Instant Vegetable Flavour Noodles

IMG_7388

I chose these for a few reasons. One, they were a large part of my student diet. Two, they, unlike so many instant noodles, are vegetarian and three, they use sustainable palm oil.

And they taste nice too.

RETAIL FACTS – 40p for a 90g pack

#2 Sainsbury’s Indian Style Poppadoms

IMG_7389

I am not fussy about poppadoms, so I chose these because they are the cheapest poppadoms I have seen. As you know from my weekly financial reviews the boy and I get through a lot of poppadoms!

RETAIL FACTS – 95p for an 8 pack (typically about 64g)

#3 Sainsbury’s Fruit/Herbal Teas

IMG_7390

Sainsbury’s have a great selection of herbal and fruit teas, there is really nothing wrong with any of them, but I chose these two as I love anything with apple or blueberry in it and these two flavours compliment each other well.

RETAIL FACTS – 75p for a 20 bag pack

#4 Sainsbury’s Free From Ginger Crunch Biscuits

IMG_7393

Aside from not eating meat, I will generally eat anything and everything and can only think of two things I don’t like – tinned macaroni cheese and lychee’s.

But, some of my friends aren’t as lucky. I have a lovely friend with coeliac’s disease, and another friend who is intolerant to dairy, wheat and gluten. Therefore due to my need to be the world’s best hostess, I always try to have some soya milk and a treat of some description in stock for when they come round.

I chose these as they have always been well received by my friends and are crucially free from the bad trinity of dairy, wheat and gluten.

Sainsbury’s are pretty good with free from products, and I think they have a wheat/dairy/gluten free lasagne, so go them.

RETAIL FACTS – £1.30 for 150g pack

#5 Sainsbury’s 5 Beans

IMG_7392

For when you are feeling a little decadent and normal beans on toast just won’t cut it.

RETAIL FACTS – 40p for a 390g tin

#6 Sainsbury’s  Spiced Squash and Red Pepper Soup

IMG_7391

We are now going to enter the convenience portion of this blog post. As a student I wasn’t a confident cook at all, I knew my way around a pasta dish and soup, but that was about it. I lived with someone who was an amazing cook, to the point he later quit his film degree to train at catering college. I remember being entranced by his array of spices, but now I have a collection to rival his.

I am generally happy to pay a little bit more for soup as long as it has some hint of being nicer then your bog standard vegetable soup. Yes, I could make my own for about 15p, but sometimes you are busy.

RETAIL FACTS – 50p for a 400g tin

#7 Sainsbury’s Vegetable Chilli

IMG_7396

Ok, so before you all come after me with pitchforks as vegetable chilli is the easiest thing in the world to make, let me explain.

I love a good bean chilli.

The boy hates all beans and pulses.

Therefore I rarely bother to make bean chilli as it would take up too much space in the freezer if I batch cooked it, and it would be just me eating it.

So sometimes a tin of the stuff is what you need.

RETAIL FACTS – £1 for a 400g tin

#8 Sainsbury’s Bombay Potatoes and #9 Sainsbury’s Vegetable Curry

IMG_7395

Sainsbury’s has a great range of tinned products, and I am saving my favourite for #10. The vegetable curry made up a large part of my diet during busy times, and the bombay potatoes are something I love but the boy doesn’t, therefore I rarely get to eat it.

RETAIL FACTS – Both £1, both 400g tins.

#10 Sainsbury’s Chickpea Dhal

IMG_7394

This is probably my favourite ready meal of all time. I love this so much that I frequently will enter a Sainsbury’s store to exclusively see if this is in stock.

Yes, again I could make this myself for about 7p, and most of the time I do, as you well know from my previous experiments with Dhal’s. But sometimes I need something like this in stock, particularly for Monday nights when I return from counselling emotionally wrought and need to make something quick for dinner, and having a tin like this in stock will stop me from buying a mega cheesey pizza (also usually from Sainsbury’s funnily enough).

And call me shallow but I like the purple labels on their Indian tins, they look regal and lovely.

RETAIL FACTS – £1 for a 395g tin

So there you have it, my favourite own brand products from Sainsbury’s.

Are there any supermarkets or stores you would like to see similar blog posts for? Let me know in the comments.

 

My Top 10 Own Brand Products From Morrisons

Disclaimer: The prices quoted in this post are based on the price I most recently paid for said product, and they may have changed since then. Also this post was entirely created by me and is not affiliated with or endorsed by Morrison’s in any way. I merely wish to share my love of these products.

#1 Morrisons 100% Peanut Butter (Available in smooth and crunchy)

IMG_7383

I love this product so much that I recently shouted out about it on Twitter (yes I have Twitter now, my name is @Jillettuce based on a stupid nickname my friend Joel gave me).

You know me, I love peanut butter (please see proof here and here) and my love of peanut butter is matched by my hatred of palm oil. And having principles is often expensive.

But Morrisons are (to the best of my knowledge) the first supermarket to introduce an own brand 100% peanut, peanut butter, so well done Morrisons.

RETAIL FACTS – £1.78 for 340g

#2 Morrison Prawn Crackers

IMG_7385

The boy and I like a Chinese ‘Fake Away’, or we like to cut costs on our Chinese takeaway by having prawn crackers in stock.

And because I am both a glutton and a cheap skate I know that these are the cheapest prawn crackers based on price per gram (or they were before inflation occurred). And they are yum.

RETAIL FACTS – £1 for 80g

#3 Morrison Chickpea, Sweet Potato and Kale Pies

IMG_7376

The boy likes a gravy based meal on Sundays, and pies feature heavily.

As I don’t eat meat (I’m a pescetarian) I need a suitable substitute so I don’t get food envy, and these bad boys do the job.

Filling and tasty, and good in gravy.

RETAIL FACTS – £1.42 for 2 Pies (360g)

#4 Morrison Frozen Diced Swede

IMG_7377

The boy and I love a bit of swede, usually in our Sunday ‘Gravy Based Meal’, and I think this is the best based on price per gram. It is yet to fail us.

Things to do with Swede. Scones and Cous cous.

RETAIL FACTS – 60p for 500g.

#5 Morrisons Savers Family Size Facial Tissues

IMG_7384

These are the best value facial tissues from a supermarket (that I shop with). Cheaper then Tesco’s own brand equivalent and one more tissue a pack.

RETAIL FACTS – 65p per 226 tissue pack

#6 Morrison Curry Flavour Noodles

IMG_7382

The boy likes these noodles. Also available in various other flavours.

RETAIL FACTS – 28p per 85g pack.

#7 Morrison Savers Pasta Sauce

IMG_7381

In my post about my favourite Tesco own brand products I divulged that the boy (and again, ‘the boy’ refers to my 36 year old boyfriend) doesn’t generally like pasta unless it is cooked in a gross sugar and salt enhanced ready made sauce (whereas I like my home made sauce ). As I refuse to waste my money on something I could make for pennies with a tin of chopped tomatoes, this is our compromise. The boy likes it, I like it. And it is cheap and tasty.

RETAIL FACTS – 38p per 400g Jar.

#8 Morrison Soup

IMG_7379

These three, plus the Carrot and Parsnip soup I would have featured had The Boy not eaten it, make up a frequent staple of my food shop with Morrisons. They are very cheap but do not lack in flavour and they were for my emergency lunches at work when I had been too busy to batch cook something.

RETAIL FACTS – 45p per 400g tin.

#9 Morrison Savers Mature Cheddar Cheese

IMG_7380

My favourite cheese. It packs a punch. Some own brand mature cheddar cheeses are basically quite mild in flavour, this is strong and mighty.

RETAIL FACTS – £5.50 per 1KG.

#10 Morrison No Added Sugar Summer Fruits Squash

IMG_7378

The boy’s favourite squash is Summer Fruits flavour. Every supermarket has a Summer Fruits squash. I chose Morrison’s as being the creme de la creme as it is double concentrate (therefore it lasts longer), comes in a 1.5 Litre size bottle (which is usually what the boy and I get through in a month) and is almost always on a multi buy offer.

Well done Morrison’s.

RETAIL FACTS – £1.24 per 1.5 litre bottle (frequently on a 2 for £2 offer)

So there you have it, my favourite own brand buys from Morrison’s.

Do you have any supermarkets you would like me to investigate what the best products are?

 

 

October 2017 Accounts

So I got into debt in October. I have paid the debt in full, but I’ll explain how it happened.

MONEY IN

(A quick recap. I do my monthly expenses posts based on the full calendar month, but my accounts posts run from payday to the day before the next payday).

WAGES £1215.03

PRESENT £50 (My dad sent me the money probably because he felt sorry for me)

SAVINGS £1.15 (Yes, that was the total of my savings)

SEALED POT £4.58 (This was one of those money tins that is hard to open)

TOPCASHBACK £20 (For switching energy suppliers)

LEFT OVER MONEY IN ACCOUNT £6.97

TOTAL = £1297.73

 

Now time for the less fun bit.

MONEY OUT 

Excess Food Budget Spends £51.67 (Seriously went over last month)

Expenses Post September Payday £47.09

Expenses Pre October Payday £313.58 

Bills £1142.50

TOTAL = £1554.84

 

MONEY IN (£1297.73) – MONEY OUT (£1554.84) = -£257.11

So I got into £257.11 of debt last month. This was the excess spends on my credit card I referred to in my previous post (see here if interested). I have paid that off in full now, so I am back to square one.

No more additional debt, just the horribly big underlying amount.