Financial Review of Week 3/52 2018

Hi everybody!

So it has taken me over a year to figure out a way to make these financial review posts look ‘pretty’.

I was thinking of looking at copyright free stock photos, or getting the boy to design some graphics for me, and last week it came to me, simply take a photo of what you bought that week.

I am sorry for being so stupid.

Let’s crack on.

FOOD AND HOUSEHOLD SHOPPING

Milk and Halloumi £3.09

Pizza, Sponges, Frozen Sweetcorn, Frozen Broccoli, Mango Chutney, Butterbeans, Chicken Fillets, Meat Pies, Frozen Berries, Orange Juice, Cornflour, Breadcrumbs, Milk x 2, Lemon Juice, Parmesan, Honey, Bread, Naan Bread, Mozzarella, Poppadoms, Self Raising Flour, Greek Yoghurt, Hand Gel, Cheese Rolls x 2, Parsnips, Celery, Apples, Lettuce, Carrots, Tomatoes, Cucumber, Eggs, Aubergine x 2 £26.59 

Vitamin C Tablets x 3, Face Wipes, Chapsticks x 2 £6.74

3 Baking Potatoes £0.93

TOTAL SPENDS = £37.35

The great things about this weeks food shopping is that we have a voucher for £5 off a £30 spend in Lidl, so our big shop was planned around that.

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

Bus Ticket x 2 = £2.60

WORK EXPENSE

Milk for work = £0.50

GIFTS

2 x Cards £1.18

SOCIAL

2 x Drinks £7.30

TOTAL SPENDS = £11.58

TOTAL COMBINED SPENDING = £48.93

I am hoping today will be a NSD (No spend day), and if so then I have met my target of 10 for the month.

I wish you all a pleasant Sunday, take care all.

 

 

JULY 2017 ACCOUNTS

I do my accounts from payday to payday so it’s time to assess how I did financially last month.

ACCOUNTS

MONEY IN

Leftover money in account £15

Wages £1218.42

Ebay Sales £55.95

We Buy Books £56.12

Cheque from my Aunt £25

Selling Bike £20

Ziffit £26.46

The boy buying some of my books £5

Holiday spending money £20

Ebay Sales £46.59

Gum tree £15

TOTAL = £1503.54

 

MONEY OUT

Bills £1174.18

Food Budget overspends £1.45

Expenses post June Payday £25.90

Expenses pre July Payday £185.75

TOTAL = £1387.28

 

MONEY IN (£1503.54) – MONEY OUT (£1387.28) = £116.26 IN CREDIT

Which is about what I made in payments towards the debt I owe the boy.

Another month where I didn’t get into debt.

Life is ok.

 

Financial Review of Week 30

Another week, practically another month.

I survive, but barely. I have gone spectacularly off the rails. I need to get a grip.

Anywho….

FOOD AND HOUSEHOLD SHOPPING

Fake Feta, Milkshake for the boy, Orange Juice, Red Onion £2.86

Bag Charge, Icecreams, Milk, Bread £3.10

Big Tesco Food Shop £69.09

Tupperware £4

Cookies for the boy £1

Three shower gels £4.47

Microwave rice, Interior dehumidifiers, ‘ladies items’, shower gel, hand wash, toilet roll £15.75

Frozen onion, frozen peppers, 2 x pizzas £6.58

White sauce, tikka masala sauce, mango chutney, raspberries, grapes, cake, apples, mackerel snack pots, bananas, parsnip, carrots, red onion, baking potatoes £13.77

Eggs and posh cheese £6

Big Morrison’s food shop £48.65

Bread and cucumber £1.85

TOTAL SPENDS ON FOOD/HOUSEHOLD STUFF THIS WEEK = £182.71

Yowza’s!

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

5 X Bus tickets = £5

CONTRABAND/I F***** UP

Can of Rio before counselling £1.50

Coffee x 2 = £2

Breakfast x 2 = £4.60

Gum x 3 = £2.37

Lunch £5.30

Snacks £5.44

Hot chocolate £2.50

TOTAL = £21.21

SOCIAL

Cocktails £8.75

Burger, chips and a diet coke £15

Americano £2.15

TOTAL = £24.90

TOTAL DISPOSABLE INCOME SPENDING = £51.11

TOTAL SPENDING THIS WEEK = £233.82

I have spent far too much money.

I need to cut myself off from things.

I need to return to my values.

 

Financial Review of the week that just was (week 28)

Yep, another week has gone by and now you all have to sit through the weekly blog post about how I wasted my money and how I can’t make that mistake again (until next week).

Ahem.

FOOD AND HOUSEHOLD SHOPPING

Pizza and Salad £2.95

Microwave rice x 4 and a packet of dates £2.65

Milk, Orange Juice, Danish Pastries, Bananas, Carrots, Bread, Brazil Nuts £9.54

Ice Creams £1.47

Baking Potatoes, Ice Creams x 8 (don’t judge us), Pizza, Frozen Broccoli, Apples, Cucumber £8.57

Milk, Pies £3.45

Carrots £1.35

Cider £4

Pastie £4

Strudel £3 (the last three items were at a food festival)

Eggs £1.20

Sweetcorn, Scampi £2

Naan, Poppadoms £1.48

Paracetamol x 2, Toothpaste x 2 £4.36

M&M’s, Choco Leibniz, Spinach £3.55 (I’ll explain, the boy goes crazy for Choco Leibniz so whenever they are on offer I get him some, I am not allowed any, therefore the M&M’s are for me)

TOTAL SPENDS = A LOT (£53.57)

 

DISPOSABLE INCOME SPENDING

You may notice a certain category appearing again.

CONTRABAND/I F***** UP

Notebooks x 3, Runner’s World Magazine, Gum, Coffee, Coffee £11.89

TRAVEL (DAY TO DAY)

Bus Tickets x 3 £5

POSTAGE AND PACKAGING

Envelopes and Posting Various Parcels £10.45

TOTAL SPENDS = £27.34

TOTAL SPENDS LAST WEEK = £80.91

Yep, goodbye money, hello work house.

 

Financial Review of Week 27

Hi everyone,

A bit later than planned but here is my financial review of the week.

FOOD AND HOUSEHOLD SHOPPING

Batteries, Tape, Vitamin B pills, Ibuprofen, Hay Fever Tablets, Bath Salt £6.35

Magnesium tablets and Pro Biotics £12.28

Cereal Bars x 3, Bananas £3

Omega 3 Tablets £5.99

Hayfever Tablets, Paracetamol £1.13

Garlic Baguette and Pasta Ready Meal £2.82

Laundry Cleanser and Yellow Gloves £3.87

Bread Rolls £1

Total Spends = £36.44

 

DISPOSABLE INCOME SPENDING

HOMEWARE

Whiteboard Markers £0.99

POSTAGE AND PACKAGING

Envelopes £2.24

Posting Various Ebay Parcels £11.94

Boxes £3.18

Posting Various Parcels £6.80

(Total = £24.16)

HEALTH

Trip to the dentist £14

CONTRABAND (ALSO KNOWN AS THE ‘I F***** UP’ CATEGORY)

Bikini Wax £10

Flip Flops £3

Green Juice £4.20

Old Time Recipe Books £2

(Total = £19.20)

SOCIAL

Chinese Takeaway £10.75

Ice Cream £2.75

(Total = £13.50)

TOTAL DISPOSABLE INCOME SPENDING = £71.85

TOTAL COMBINED SPENDING LAST WEEK = £108.29

A bit of a spend-tastic week, but it did involve a weekend away with the family and two No Spend Days so it could have been worse.

Financial Review of Week 26

Hey everybody, it’s Sunday, that means it’s reflection time on the week’s finances.

As this was a payday week the food budget amounts will be greatly inflated as I always do a monthly food order as soon after payday as I can. So don’t be too shocked.

So here we, here we, here we f****** go.

FOOD AND HOUSEHOLD SHOPPING

Stardrops, Herbal Teas x 4, Basil, Chia Seeds, Brazil Nuts, Ice Lollies, Tinned Salmon x 2, Tinned Tuna x 2 £10.67

Mars Bites, Rolls, Doughnuts x 2, Crisps, Margarine £4.98

Salmon Ready Meal £2.01

Ice Cream, Strawberries, Pattie, Cheese £7.05

BIG TESCO ONLINE FOOD SHOP £91.39

Conditioner £0.75

Microwave Rice, Spices, Wraps, Marmite, Sponges, Yellow Dusters, Tissues, Face Wipes, Face Wash £12.28

Courgette, Baking Potatoes, Sweet Potatoes, Bananas, Rolls, Bread £5.85

Milk, Seeds, Dried Mixed Fruit, Avocados, Spinach £7.63

Toilet Cleaner, Cherry Tomatoes, Tinned Mango £2.19

Cucumber, Orange Juice, Mozzarella £1.76

Milk £1.49

TOTAL = £148.05

DISPOSABLE INCOME SPENDING

TRAVEL (DAY TO DAY)

Bus ticket £3.60

Bus Ticket £3

Total = £6.60

THE ‘I F***** UP’ CATEGORY

Cereal Bar £1.10

SOCIAL

Coffee and Lime and Soda £2.50

Drink £4.50

Drinks £10

Taxi £5.90

Burger £10.95

TOTAL = £33.85

HOMEWARE

Battery for scales £0.99

GIFTS

21 x Birthday Cards and a New Home Card £3.29

TOTAL DISPOSABLE INCOME SPENDING = £45.83

TOTAL SPENDING THIS WEEK = £193.88

A lot of money, but then pay day week is always hefty on the spends.

 

 

 

JUNE 2017 EXPENSES – How did my money get spent in June?

Well another month has passed, it is time to look at how my money got spent in June, what categories, how much, etc.

SOCIAL

Social costs in June = £81.73

TRAVEL (DAY TO DAY)

Travel costs = £38.30

GIFTS

Gift costs = £30.07

And now the category I affectionately refer to as the I FUCKED UP category.

I fucked up costs = £20.53

(This means my ‘I FUCKED UP’ category costs are now at £17.05 over budget, so I need to earn that amount and send it to my debts in order to ‘reset’ the balance)

So it is another month done, another month I survived, another month where I didn’t use a credit card.

The Travel Costs are far too high as many of them I could have walked if I had been more organised with my time.

The gift costs would have been about right if I had spent them all on my friends and family but it included some costs which could have been avoided.

The Social costs are less then I have spent some months and I feel good that I have been able to see as many people as I have without spending that much. It has been good for my mental health.

All in all it wasn’t the worst month for spending, I need to be a bit more disciplined though.

June 2017 Accounts

Hi all.

Payday was yesterday, time to look at the last month’s accounts.

JUNE 2017 ACCOUNTS

MONEY IN

Wages = £1661.03

Savings = £20.03

Refund = £0.67

Selling books = £31.64

Loan from The Boy = £35

Cheque from my Mum on account of me having a breakdown = £100

TOTAL = £1848.37

MONEY OUT

Bills = £1541.03

Expenses = £183.58

Overspends on food = £88.55

Counselling Session = £25

TOTAL = £1808.16

MONEY IN (£1848.37) – MONEY OUT (£1808.16) = £40.21

And for once I think it adds up because that £40.21 is about what I made in overpayments to one of my credit cards last month. So for once I think I got my accounts right. Huzzah.

 

Financial Review of Week 25

Well, everything has gone a bit to hell recently.

We have stormed into the ‘over the over budget’ territory of the food/household shopping budget, and I have been getting by on not much more than hope.

Here we go.

FOOD AND HOUSEHOLD SHOPPING

Ready meal (sigh), Garlic Baguette, Bread £4.12

Milk £1

Orange Juice, Baguette, Donuts £2.35

Frozen Sweetcorn and Potato Waffles £2

Milkshakes x 2, Cucumber, Cake, Bread rolls x 4, Bread £4.96

Carrots, Apples, Bananas £3

Ice Creams, Crisps, Milk, Tomatoes, Lettuce £5.36

TOTAL SPENDING = £22.79

We are over the food budget by £17.90

 

DISPOSABLE SPENDING

TRAVEL (DAY TO DAY)

2 X return bus journeys = £6.60

CONTRABAND PURCHASES

Water bottles x 4 = £1.40

GIFTS

Donation of food items to a Food Bank £14.57 (this was probably a very bad thing to do but at least I have helped some people)

TOTAL DISPOSABLE SPENDING = £22.57

TOTAL SPENDING THIS WEEK = £45.36

I have been doing some money making this week and have sold about £50 of books and DVDs but I will need to wait for these payments to clear before I get too excited.

I am going to ebay some items today. Things are getting pretty desperate.

 

 

Let’s Celebrate

After yesterday’s post on here I received a notification from WordPress which informed me that I had just made my 200th post.

That means I have averaged over 1 post a day, which is great as I know there are around 5-10 days when I didn’t post this year.

I started this blog years ago. I posted sporadically at best during those years. I didn’t have dedication or discipline to post everyday.

I decided to use this blog space (I was still paying for the domain name after all) to blog about my debt free diary and my no spend year.

I thought all I would do was post about my finances, as that is what interested me.

But it became more than that.

I didn’t want to depress people, but I started having bad blips and bad moments of anxiety and I changed my medication to try and help me cope with that. I wrote about those days. I noticed that they got more attention than any of my previous posts, which I only mention because it made me realise there are others like me.

There are other people suffering from anxiety, social anxiety, depression, mental health difficulties, borderline personality disorder and the like.

I received comments, and I treasured each one, because it made me feel in a small way that I was reaching people and maybe in some small way I was helping.

I feel desperate, sad, bad about myself and the future. But one thing I don’t feel is alone.

So you may read this blog for all the talk on money saving and my financial weekly reviews, you may read it for the cheap and easy recipes and for preventing food waste, you may just be here for the daily posts of someone who finds the world a constant and daily struggle. You may be here because I have occasionally mentioned books and who doesn’t like books?

Whatever you are here for, I’m glad you are reading.

Please let me know why you visited today, what you like, what you dislike, whether you think I have too many spelling mistakes (I do try to keep them to a minimum) or whatever. Send a Haiku.

Thanks for stopping by. Here’s to my next 200 posts.