96 Days

I am suffering from lock down burn out. Funnily enough realising this is the reason behind my recent extreme low mood and my inability to focus, concentrate or produce good work has made me feel happier. If I have a diagnosis I can find a cure. If I identify the problem I can be fixed.

I have decided when I return to work after the bank holiday I will be looking to take some time off as annual leave. Before I felt like it was a waste of annual leave. Taking time off when I could neither go anywhere nor do anything. But to be honest, I don’t think we are going to come out of this any time soon. I am beginning to think we could be looking at the things I took for granted last year like an office Christmas party not happening this year. I think taking a few days annual leave now to drink tea, read, write and watch Netflix undisturbed will be good.

Please don’t take this to mean I am trying to panic people, or I have inside knowledge. I am not trying to panic people, I do not have insider knowledge. I am speculating, and I choose to speculate on a worst case scenario basis as it makes me feel better protected in case the worst does happen. That is how I work. But it might not be what is best for you, in which case feel free to disregard my choices.

I am over budget on the food budget by nearly 33%. The food budget is £300 a month, it currently stands at £388. From next month onwards my food budget will be £400. There is a lack of deals in the supermarkets in the UK as they are getting rid of multibuy offers to prevent food waste and also to make sure there is enough stock for everyone. There is a lack of basic, entry level, economy buys in the stores. Tesco Every Day, Morrison’s Savers, Sainsbury’s Basics, you know these names as what they call their economy ranges. They are not available in stores at the frequency they once were.

My energy bill went up. We are in a deficit of about £335 so have to look to pay that back during the time of our contract. The flat mate and I might be moving out of this property in September. It depends what the landscape for moving houses is like then. Logically as a couple that split up we can’t live together any longer than we have to. But it might not be possible to move out in September when our tenancy agreement is up for renewal, so we may be stuck for another year. Or the landlord could kick us out as soon as normal service is resumed. I don’t know, so I must be prepared for what could happen.

Again, I like to prepare for the worst.

I am going to dip into my savings to make sure I pay off the debt of the writing masterclass as soon as I get paid this month. I have a huge aversion to debt, I mean, I kind of have to given that this is a blog about my debt free journey. I can hardly preach but not practice. This would leave me vulnerable to a potential emergency, which isn’t unlikely given that we are in a risky time and things we never thought would happen are happening left right and centre.

If I can, as an aside, recommend a book, it would be ‘The Black Swan’ by Nassim Nicholas Taleb. I definitely recommend having a look at it. I predict this book will be rereleased in a few years’ time to include notes on the pandemic.

I feel good currently. I need to reduce my drinking. I tracked what was a typical lock down week for me of at least one can of beer most days, a bottle of prosecco on a Saturday, and wine on a Sunday, and it came to 21 units. A woman’s weekly guideline is 14 units. I was over by 50%, and worryingly I didn’t see this as bad.

So my rule is Monday to Thursday I won’t drink, and then I will only drink at the weekend. I include Friday evening as a weekend day. And this isn’t an excuse to drink 14 units across 3 days. I can’t do that. I will be good.

There’s no way to deny it. Financially I am benefitting from lock down by not spending money on going out, work canteen lunches, and random crap. I am having to analyse every single purchase, and I am really making the most of every last drop of product.

This week I had 3 tube lip balms down to their stubs. I used a skewer to pull out the remainder of each of the three tubes, and I put it in an empty Vaseline tin, mixed. This will give me an extended lip balm product. I did this because in the old days I would just go to Boots or Superdrug on my way home from work and buy some lip balms. But I can’t do that now. I can’t just leave the house for one purchase. I am really trying to leave the house as infrequently as possible.

Another reason why food shopping is costing more is I tend to just go to the one store. I used to shop around. I used to go to multiple stores on a weekly shopping excursion. I don’t want to do that anymore. It is too difficult.

Getting out of debt is just one aspect of my financial journey. I will also be looking to get my credit rating as high as it can be. I am looking to save to buy my own property. My goal for buying property is not as an asset. It is simply so I can have a pet freely and without restraint. I want to have a fully funded emergency fund. £1000 isn’t enough. 3 months expenses isn’t enough. 6 months isn’t enough. I want to have an emergency fund that has my annual salary in it. After that I can have fun spending freely.

So Flo’s Debt Free Diary isn’t going to end in 96 days’ time. It will continue. I will still be on my financial journey. I still have much to learn and much to teach and I will do what I can.

97 Days

I am writing a book about my debt free journey.

I am due to be debt free on the 27th August. It is a journey that will have taken me 1727 days, or 4 years, 8 months, 22 days. It was on the 6th December 2015 that I realised I couldn’t carry on with the way I had been living my life at that point. That is the date I began to take control of my finances rather than have them control me. Sorry for the cliché.

About 50% of my total debt was from being a bit silly with my money. Buying things I didn’t need, buying things I couldn’t afford, and buying things I neither needed nor could afford. However, the other 50% of my debt was from literally, and I do use that term correctly, not having any other option to survive.

At the beginning of my journey I kept it a secret. My partner at the time had an inkling as to what was going on but I was giving him an edited version of the full picture and I think to an extent he was too afraid to ask.

Now I tell anyone and everyone about my debt. I’ll talk about it to anyone who shows an interest, and probably to people even if they didn’t show an interest.

Getting into debt understandably changed my life for the worse. But getting out of it has ultimately changed my life for the better.

I am not the same person who got into debt. 10 years from now my financial journey will also likely take me away from the person I am now.

The most important thing I’ve learnt in life is you should never underestimate your capacity to change. You can change. You can make mistakes, but then you can fix them.

I have made countless mistakes with money, you name it I’ve done it. But I will never make them again and my financial past does not determine my financial future.

So I’m being a bit bolder and a bit more public about what I want in life. You all know that I’ve invested in a book writing course, so let’s hope that it will be worth my money (I’m sure it will be). Ultimately I will only get out of it what I put in. So I will do my best.

I am about 20000 words into the book, or two dissertations worth. I mean, I might as well write, it’s not like I’m going anywhere or doing anything else during lockdown. Might as well keep busy.

I didn’t spend any money today, which is always good. I did a run, which is always good, and I’m doing some writing. Good times.

See you tomorrow.

98 Days

Today has not been a good day for me mentally. I have good days and bad days. Sometimes I feel like I am the happiest person in the world and at other times I feel like everything is going wrong.

My sleep has fallen apart. I am constantly tired. I feel bloated and lethargic and weak.

I am struggling with working from home. Which is wrong, so many other people are worse off than me. I never realised how much I crave human interaction until now.

The food budget has completely overblown this month. I’m going to have to increase it to £400 next month (£200 each for me and the flat mate). This is going to cut my disposable income dramatically but I’d rather be prepared food budget wise.

All my bills have been paid for the month. I have about £17 left in my account. I get paid next week. It could be worse.

At least there are no more ants in my flat.

I am struggling a bit with lock down. I am trying to keep busy. I am trying to make the most of my time. I am trying to be productive. And some days I am. Some days I feel like I could have achieved more, but that is toxic productivity coming into play.

I am not sure what the rest of this year holds in store. No one knows. No one can predict anything. Interestingly I am reading a book called ‘The Black Swan’ by Nassim Nicholas Taleb about unpredictable events. I have a feeling this book will be reissued in a few years’ time with a new section about this pandemic.

But I am getting further away from talking about my debt free diary. I must keep strong. I must focus on the 27th August when I will become debt free. There is unlikely to be the party I was originally planning. Maybe I will make and decorate a cake, much like I did when I paid off my overdraft. It looked a bit like a contender for a Pinterest fail, but it was a novel way of celebrating it.

In 98 days’ time I will be debt free and to an extent my life can begin again. It will be interesting to see what the future holds after that point and it is at the very least something I can look forward to on the horizon that should predictably happen.

I can only hope.

99 Days

Hi everybody,

I am now in double digits of days left till I am debt free.

I have a habit of not being able to enjoy the good times. I am always fearful of the next bad thing to come along and take over my life and my finances.

I am in a good situation, I should enjoy the journey of life. But it is hard when I am publically making a declaration that I will be debt free on the 27th August 2020 as I feel the universe is going to smite me.

I’m sure the universe has bigger things to worry about than me.

I probably was rather impulsive signing up for the master class. I want to write a book, I want to write a book this year, I want to write a book during lockdown. I feel passionate about this. I want to do the best I can out of life.

I just have a real sense of seize the day and live for the moment due to lockdown. So many things I put off in life thinking I would always have the time for them only to find you can never predict what is going to happen next.

I want to keep a happy balance of prioritising my future, but living a little in the present as well and really making the most of what life has to offer.

Obviously my care free, live for the moment attitude is partly what got me into trouble debt wise in the first place. I don’t want to go back to that. I never want to use debt to fund my life. But I do want to be less fearful about spending money and accepting that sometimes a modest splurge is a good way to make the most of my life.

I just want to enjoy every stage of my life, the past, the present and the future. I see no reason why I can’t have this I just have to be sensible.

Today will be probably my best day at work for getting things done. I have mapped out my week and I highlight that I had the most uninterrupted periods of time today to get things done, so the things will get done.

It is a 4 day week for me this week as I have Friday off, then there is the bank holiday on Monday. I have big productivity plans for the 4 day weekend. That will keep me safely at home other than my daily run.

I don’t know what the next 99 days will bring. Maybe everything will go well. Maybe everything will go wrong. I don’t know, but if I worry about what might be then I suffer twice if it does happen.

Just enjoy the journey. I’ve made it this far on my debt free journey, I will survive whatever comes next.

 

100 Days

Hi everybody

Today marks 100 days until I can make my last credit card payment and become debt free.

I begin this in the spirit of honesty by telling you that yesterday I increased my debt by paying for something on my credit card. It is for a masterclass about writing a book. It had a 50% discount. I had been doing a free challenge with the leader of the masterclass all of the last week, and the challenge has proved invaluable. I also great respect the leader of the masterclass, I have read all of his books, and he is considered a great success. Yes, paying for this course was slightly impulsive, but it wasn’t as impulsive as you think.

Yesterday I did not have the money in my accounts to pay for this course in full, but by the end of the month I will. I bought it after having first determined by looking at my budgets as to how I was going to pay it back so that it doesn’t impact on my debt free date. Knowing that it won’t made me feel like I could pay for the course. I have a plan that won’t impact on my savings either. It’s all gravy, baby.

The Flo of 2015 and before that year would have just paid for the course with no thought as to how she was going to pay it back, and she wouldn’t have reduced her spending or looked at her budgets first and as a result she would have got into trouble as soon as that credit card bill landed on her doorstep.

This new Flo is not a twat. I know what I have to do to get myself out of debt and to get the most out of my life on a small budget. I honestly believe I can afford whatever I want in life I just have to have the plan in place first.

I feel so good about my life at the moment. Feeling good makes me worry, I worry that the universe is going to think I shouldn’t be this happy and will do something to make my life go terribly wrong. But that’s a bit egotistical to think that the universe is totally concerned with me. Ultimately life is just a serious of ups and downs, there is no other motive behind that.

So, my 100 day countdown to being debt free begins today. On August 27th if all goes well I can make my last credit card payment and become debt free. There is a chance that the old way of life won’t have returned, and my plans for a wild party will be just a dream, but it will be a joyous day either way.

I will posting every day, or at least trying to, on the 100 day countdown to being debt free.

I remember the first 100 days of my debt free journey and just how different a position I was in then compared to now. It was still arduously hard then. It remained really difficult for years. It is only really in the last year that things have become the easiest they have ever been.

I have changed so much as a person, and I know I have the financial skills to see me safely through the rest of my life.

Spending Diary 4th to 10th May 2020

Hi everybody,

I spent a lot more money this week than previous weeks. I’m beginning to really see an increase in my food shopping, though admittedly my food shopping habits have changed too. I’ve got to be careful and not let things run away from me.

04/05/2020

My flat mate had returned and had some food he wanted in the kitchen, so I went shopping and came back with milk, bread, orange juice, margarine and raisins. £7.20, or £3.60 for my share.

05/05/2020

I had to transfer a work colleague £2.44 for my share of another work colleague’s birthday gift and card. My flat mate went shopping (we’re trying to split the shopping between us as neither of us enjoy being out in this pandemic) and he spent £15 (£7.50 for my share). I also had my subscription for my dishwasher tablets come out which was £4.50 (£2.25 for my share).

06/05/2020

Today was just a chilled day at home, which admittedly isn’t that much different from most of the other days during lockdown. What I mean is I didn’t have to leave the house for anything other than my daily run and I was just able to relax, work from home and do some good work and just read.

07/05/2020

My friend is having a tough time due to serious health concerns which would be bad at the best of times but are much worse now that we are living through a pandemic. I bought her a card from Moon Pig to send to her £4.05.

The flat mate went to the shops and bought more things. We haven’t set up a food plan yet which I think is causing us trouble. Some of the things we needed and others were treats, it was £14 in total, so £7 for my share.

08/05/2020

It turns out that my friend is a skin care guru and I had been asking her for advice on what skin care products were best for my skin. I have adult acne and the acne scars that come with that and my friend recommended a few products, including a specific product from Lush. So today whilst I was feeling perhaps flush I went on the Lush website and bought the ultrabland cleanser and a bottle of conditioner as I had run out. It came to £26.95 which is far more than I normally spend, but I had the money set aside in my beauty budget and will try anything to help my skin.

I later went to Tesco, going quite early so as to avoid people. There were still plenty who didn’t obey the simple basics of social distancing though which makes me so angry, it really isn’t that hard to just keep 2 metres back! I picked up another book of 12 first class stamps as I’ve been writing to a lot of relatives recently. That was £9.12. Then I did the food shopping, which included a bottle of prosecco and 2 tubs of Ben and Jerry’s! Yikes! That’s probably why the shopping cost £50.56 (£25.28). I don’t have a whole lot left of the food budget now so I will have to be careful for the rest of the month. Maybe I’ll give up alcohol for a while.

09/05/2020

Today I made the Vegan Scones you can find the recipe for on here and I had my usual pub quiz meet up with my siblings. I did a 3.5 hour cycle on the exercise bike whilst watching Netflix. I had a nice day and was very glad to not spend any money.

10/05/2020

Today I plan on keeping my money intact, doing some more baking and cooking, and just catching up on a few things like writing. I’ll do another long cycle on the exercise bike and my daily run. Plus watching more Netflix.

I hope you are all well and keeping safe.

TOTAL PERSONAL SPENDS = £42.56

TOTAL FOOD SPENDING = £91.26 (£45.63)

TOTAL SPENDS THIS WEEK = £88.19

 

Spending Diary of 27th April to 3rd May 2020

Hi everybody,

This week involved payday, a day possibly better than Christmas based on the fact it happens 12 times a year (on average). I am so lucky to be getting a wage during this time and I definitely appreciate it and am so grateful. I’m trying to do some good with it.

Anyway, I’ll take you through how I’ve been spending my money this week.

27/04/2020

I woke up at 5:30am naturally and got straight out of bed. I put on a wash load and later hoovered the flat and cleaned the bathroom. I made peanut butter hummus at lunchtime and fish cakes for dinner. I wrote on this blog and I also wrote some paragraphs for something I’m working on. I was working from home today, though that’s what I’ve been doing every day of lockdown so nothing new there. I managed to finish something tricky work wise that I had started on Friday. I tend to keep to the same hours each day of 8:30am to 5pm, this is so that I can watch the Prime Minister’s broadcast live. I finished season 2 of Orange is the New Black later on in the evening. But I didn’t spend anything today, woo hoo!

28/04/2020

I woke up to birdsong at 5:10am. I tried to listen to some birdsong on the RSPB website to see if I could identify it and I think it might have been blackbirds? It was lovely either way, so clear and lyrical. I did some writing in the morning and then watched TV before my working from home day began. My flat mate had transferred his half of the bills that come out of my account on Monday so I did have some money in my account, but I considered it bad juju to spend any of the new month’s money before pay day. Therefore the only money I considered to have in my account left in April’s budget was the £8.65 of the food budget. I didn’t spend any money today so I was left in profit.

29/04/2020

Pay day! Yippee! I donated £6.41 to a friend’s charity fundraiser and as a treat I bought myself a book by Emma Drew who you may have heard of in the money blogging community as she is the queen of money blogging. Her book is about how to make the most of your blog, and that’s definitely something I need to do. That was £11.99.

I also received an email from Who Gives a Crap who are a toilet paper company that make sustainable paper and don’t use plastic to say they had paper back in stock. I had been on their waiting list. I was beginning to run low on paper so I bought a 24 toilet paper pack and a 12 pack of facial tissues. This was £38. I bought it on my credit card as I had a credit on that card, meaning it would only involve transferring about an extra £13 to clear that transaction, so although it still cost me the same amount it felt cheaper. Weird logic I know.

30/04/2020

Didn’t spend any money today. Other than working from home and making some chocolate chip cookies and my veggie version of a keema curry and raita I didn’t do anything of interest either.

01/05/2020

My toilet paper arrived! But someone in the building had let in the Yodel driver without my flat being buzzed and had also taken in another parcel that looked like it was for my flat but had actually been incorrectly delivered. It even had a different postcode. It was from Moon Pig and looked like it was flowers. I phoned the company on the box and gave them the reference number on the parcel. They said that they would contact the buyer of the parcel to arrange redelivery. There wasn’t a full address on the order so I couldn’t redeliver it myself and looking on the Royal Mail address finder couldn’t come up with the correct address just on the postcode either. The company confirmed they were flowers and that because they were perishable they weren’t going to send the Yodel driver back to pick them up. They told me to dispose of them. That seemed like a waste of perfectly good flowers, so I may or may not have flowers on my table right now. I had tried to find the person on the parcel on Facebook but I couldn’t be sure I was going to contact the right person. I really did try. So I didn’t spend any money but I do have some nice flowers.

I’m doing a challenge in May where I run every day so I went for a brief run at lunchtime, just round my local park. It was quite pleasant.

02/05/2020

I went to the shops almost as soon as they opened today. It was a good time to go as it was very quiet and people were generally obeying social distancing. I bought a few treats (pizza, Ben and Jerry’s and mozzarella sticks) as it was Saturday, as well as 2 bottles of wine, but I still thought my shopping was much more expensive than usual at £63.12. The wine was £13 of that, but I’ve still never even spent £50 in that store before. The Ben and Jerry’s was half price as well. I guess I’m going to have to be much more careful with the food shopping when I do go out as with the Who Gives a Crap order earlier this week that’s a third of my £300 monthly food budget gone in the first week!

I went for my little run as soon as I had put the shopping away. Just one lap of the park as I was going to also do a strength workout and go on the exercise bike for 2 hours at home today as well. It was nice weather. I’ve chosen to run every day in May as I had been getting fearful and anxious about going outside and I think this will help.

I did a pub quiz with some of my siblings and their families today, as well as catching up with a friend in hospital on Instagram. After the quiz I had a zoom drinking session with some friends and it was lovely! It’s interesting seeing the creative ways people are being social during lock down.

03/05/2020

Here we are! The end of the week. I’m going to go for my brief run soon, then I’m going to go on the exercise bike for three hours whilst watching Orange is the New Black. I’m arranging to do a video call with my Dad and Step Mum later this evening which will be nice. Lock down is really making me appreciate taking life at a slower pace and reconnecting with people. I know lock down is an incredibly scary time but I’m really trying to get some good from it. It is making me reconsider a lot of the ways I used to live my life before.

I’m not leaving the house today. I’ve got a long list of things I want to do and get on with so I feel confident I’m not going to spend any more money today.

TOTALS SPENDS

FOOD AND HOUSEHOLD SHOPPING – £103.12 (split with flat mate, so £51.56)

PERSONAL SPENDS – £18.40

TOTAL SPENDS – £69.96

 

A History of my Debt Free Journey

Good evening my darlings,

So I imagine most of the people reading my blog have been here since its inception and know all my secrets by now. However, I have had a few new followers and also given that there was over a year between the last time I posted on here pre-lock down and posting now during lock down, I thought I would do a little recap of my journey.

DECEMBER 2015

In December 2015 I had what was called my ‘light bulb moment’ and realised I couldn’t live the way I was living anymore. My financial management was disastrous. I was about one bad decision away from having a negative income, and I was for the first time earning a full time contracted wage and I wasn’t going to ruin the hard work I had put into getting that job in the first place.

On December 6th 2015 I began my debt free journey by starting a debt free diary on the subsection of the forum on the Money Saving Expert website. Sorry for those who know, but the Money Saving Expert website is an absolute hero of a site and it was set up by Martin Lewis who is the UK’s consumer champion, like the UK’s equivalent of Dave Ramsey if you’re American. I started my diary and called it – obviously – Flo’s Debt Free Diary and began seeking help for all the terrible decisions I had made up to that point.

My goal debt free date was set as my 30th birthday that would be in March 2019. I had at this point about £5150 debt.

2016

In 2016 I tried really hard to pay off my debts and save money and be frugal. I began getting into side hustling and learnt all about that world. Sadly I had bad health problems and ended up being unemployed for 4 months and that meant I ended 2016 with a higher debt total than I began the journey with – £5996.

2017

Inspired by a book I had taken out of the library I decided I would do a ‘No Spend Year’ and I started this blog. The premise was that I wouldn’t buy anything unessential. This book interestingly was not ‘The No Spend Year’ by Michelle McGagh and was instead ‘In the Red’ by Alexis Hall, meaning my idea was totally not original. I reduced my spending by 80% compared to the year before and paid off about £3000 of debt but ended the year unemployed – again – and with my debt not significantly smaller than I started the year with at the total of £3980 . This was because of a mental health breakdown that was chronicled on this blog that saw me signed off work for 4 weeks. I hit rock bottom, but without sounding like a stupid cliché it really was the best thing that ever happened to me as it was what I needed to sort out my mental health and since that point I have never been better. Plus I had paid off my £1000 overdraft during this time!

2018

I started a temporary job and needed more money so I got a second job at the weekends and was working 7 days a week. I got a better temporary job in a role I loved, but still had to keep the weekend job. This was the start of things going well for me, and my debt significantly reduced and I was able to save. An enforced house move meant I didn’t save as much money or pay off a much debt as I would have liked to, but compared to the last few years I ended 2018 in better financial shape with £2900 of credit card debt. But…and there’s always a but isn’t there…I had borrowed money off a friend and owed them £1300 at the end of the year as well.

2019

My 30th birthday came, but I wasn’t debt free. I carried on though and ended the year with savings and my debt at the lowest level since pretty much ever, £1600

NOW

I have £900 of debt that is soon to reduce to £750, a small emergency fund and I am on track to be debt free by late August this year.

That’s my story, like most debt free journeys it has had many downs and a few ups and it is finally in a steady trajectory. I will be debt free this year!

Spending Diary 13th – 19th April 2020

Hi everybody!

This is going to be a very short and boring blog post because here is the total of what I’ve spent this week.

13/04/2020

Last week I placed an order with a local independent coffee shop shut because of Covid-19 for a 6 pack of Oatly Barista style oat milk as it’s my favourite. It was delivered on the 15th but I paid the invoice today. £8.40

That’s it for this week. A total weekly spend of £8.40.

So let’s try and liven this up a little.

I have a monthly food budget of £300 that runs from one pay day to the next. My flat mate splits this budget with me as we live together, have the same taste in food, and it works for us. So my total cost each month is £150. Currently of the budget we have spent £187.06 and have £112.94 left to last until the 28th, so I clearly have enough budget left to last me that time. I am still planning on focusing on using up my stores at home rather than shopping. Although in terms of fresh fruit and vegetables I only have half a cucumber, some orange juice, 3 onions, some beetroot juice and 1 apple left I do have loads of frozen fruit and vegetables left so I will be able to eat healthily and get my five a day, which I am a little obsessed with. I know guidelines have since come out to say we should be aiming for seven fruit and vegetables a day, but five isn’t a bad place to start.

In terms of my bills I have 3 left to be taken out of my account this month, and 2 are the big ones of my rent and my credit card bill, but I work to a zero based budget so I am not worried about paying them. It’s just a nice psychological boost to know that they have been paid each month. When my latest credit card payment clears my debt will be £750 and I’m aiming to pay it off at a rate of £150 a month so that it will be cleared when I get paid in August this year.

Although it will be nice to be debt free, I am of course more concerned about the pandemic at the moment. Which is why I am aggressively trying to save money and build up an emergency fund as quickly as possible, which without wanting to trivialise the situation has been made easier by being on lockdown.

Anyway, I wish you all a lovely Sunday. Do something nice, be with your loved ones, read, catch up on a box set, put your feet up or be productive, whatever you want.

Financial Review of Weeks 13, 14, 15, 16 (I’m sorry for the delay)

Here’s the thing about working 7 days a week. Even when the 6th and 7th days of working total just 8 hours you find you lack the time to get everything done.

My Blog has taken the hit.

I will proceed with the financial reviews:

FOOD AND HOUSEHOLD SHOPPING

Pizza, Pasta, Pasta Sauce, Cookies, Bread, Milk, Yogurt 8.35
Super Big Tesco Delivery 114.34
White Bread and Cucumber 1.15
Juice, Cheese Slice, Pasta, Pasta Sauce, Garlic Bread, Cheesecake, Bag for Life 8.14
Carrot Chips, Corn on the Cobs, Onion Rings, Chicken Strips, Chicken Popsters, Cheese Pizza x 2 11.98
Potatoes, Orange Juice, Carrots, Milk, Popcorn, Raspberries 5.99
Flu Powder, Face Wipes, Moisturiser, Hand Sanitiser 3.85
Toothpaste, Floss, Shower Gel, Handwash 4.86
Toothpaste, Soothers x 2, Vanish, Allergy Tablets, Toothbrush 7.45
Greaseproof Paper, Coconut Water x 4 2.75
Toothbrush Holder 0.29
Rolls and Lettuce 1.75
Spray Oil x 2, Laundry Cleanser x 2, Toilet Roll, Bag For Life, Laundry Bag 11.34
Massive Pizza, Jon Pizza, Cookies 6.5
milk 1.09
tortilla chips, rolls, cookies, gum 2.74
Milk, Carrots, Bag for Life 1.37
bread, doughnuts, garlic bread, lasagne, cucumber, parsnips, bag for life 6.6
Sweetcorn, Cheese Pizza 3.5
Orange Juice, Ice Creams x 2 3.9
Aqueous Cream, Hair Remover Cream, Bath Foam, Body Scrub, Razors, Face Masks x 3 7.87
Sprite Six Pack, Fanta Six Pack, Orangina, Garlic Pizza Bread, Canneloni, Bread, Cookies, Bag for life x 2 11.2
Colour Catchers, Cotton Pads, Toner, Hand Cream 6.56
Chicken Dippers, Marmite, Chicken Breast, Mince x 2, Peppers, Onion, Boy Pies 19.86
Prawn Crackers, Yoghurt 1.85

TOTAL SPENDS = £255.28 (WEEKLY AVERAGE = £63.82)

We are already over budget for this month of April and still have a week to go so it’s not going that well.

DISPOSABLE INCOME SPENDING

Milk for work 0.8 WORK EXPENSE
Gum 1.5 NON ESSENTIAL FOOD
Easter Egg for Jon 4 GIFTS
Prawn Sandwich 2.2 NON ESSENTIAL FOOD
Pie Minister 17 SOCIAL
2 x Sets of PJs 34.05 CLOTHING
Apple and Banana 0.67 NON ESSENTIAL FOOD
Tupperware From Paperchase 1 HOMEWARE
Ale 4.5 SOCIAL
Burger and Tea 10 SOCIAL
Pizza 6.5 SOCIAL
Shonen Knife T Shirt 15 CLOTHING
Make Up 30 MAKE UP
Subway 4 NON ESSENTIAL FOOD
Ale 3.65 NON ESSENTIAL FOOD
2 Pairs of Trousers, Exercise Tights and Top 24.05 CLOTHING
Let’s Eat Grandma Ticket 10 SOCIAL
Peach Green Tea Lemonade 3.35 NON ESSENTIAL FOOD
Chiropractice Groupon 23.95 HOBBIES – HEALTH
Food for Homeless person 4.28 GIFTS
Plastic Cutlery 0.75 WORK EXPENSE
Water and Mango Coca Cola 1.8 NON ESSENTIAL FOOD
Pint of coke 1.99 SOCIAL
Lipbalm 1.2 MAKE UP
Chewing Gum 0.45 NON ESSENTIAL FOOD
Sweets 3 NON ESSENTIAL FOOD
Train to Grangetown 3.4 TRAVEL (DAY TO DAY)
Paying Postage on an unstamped card 2 POSTAGE AND PACKAGING
John Lewis Gift Card 15 GIFTS
Chocolate Treats for Hedy 2.5 GIFTS
Money for the Nie-phews 20 GIFTS
Posting the Kids Treats 6.9 POSTAGE AND PACKAGING
Indian Takeaway 16 SOCIAL
2 x Flat Whites 4.8 NON ESSENTIAL FOOD
Tissues for work 0.39 WORK EXPENSE
Milk for work 0.75 WORK EXPENSE
2 x Beers 7 SOCIAL
Posting parcel to Chris 1.87 POSTAGE AND PACKAGING
Boots Meal Deal 3.39 NON ESSENTIAL FOOD
Kimono 4.99 CLOTHING
coffee and apple 3.15 NON ESSENTIAL FOOD
Five Guys Burger, Fries and Drink 12.15 NON ESSENTIAL FOOD
Donation to Ben 15 GIFTS
Cookies and Donuts for a homeless person 0.78 GIFTS
Milk for work 0.8 WORK EXPENSE
Boots Meal Deal 3.39 NON ESSENTIAL FOOD
Next Voucher For Tudor 10 GIFTS
2 x Books 9.98 HOBBIES-BOOKS
Manics Vinyl 20.04 HOBBIES-MUSIC
2 x Cocktails 8.45 SOCIAL
Five Guys for 2 25.45 SOCIAL
Ice Cream 2.5 SOCIAL
Gum 0.5 NON ESSENTIAL FOOD
Fixing Jeans 5 CLOTHING MAINTENANCE
Jeans 5.99 CLOTHING
Milk for work 0.8 WORK EXPENSE

TOTAL SPENDS = A LOT (£421.66/WEEKLY AVERAGE = £105.42)

I promise I will be better at blogging from now on.