FINANCIAL REVIEW OF WEEK 33

Hi everyone,

Let’s get to it.

FOOD AND HOUSEHOLD SHOPPING

Mayonaise, Lettuce, Cherry Tomatoes, Burger Buns £3.55

Paracetamol x 2, Hay Fever Tablets, Gum £2.16

Milk, Mushy Peas x 2, Cheese, Cottage Cheese, Eggs, Paprika, Sweet Potato, Potatoes, Cucumber £9.63

Orange Juice, Milk, Bread £2.59

TOTAL = £17.93

DISPOSABLE/DISCRETIONARY SPENDING

Travel (Day to Day)

Bus Tickets x 6 = £7

Health

Gum x 2 = £1.98

Contraband

5 Coffees and 1 Cake = £7.94

Postage and Packaging

Envelopes x 2 (£2)

Posting 2 Ebay parcels (£19.40)

TOTAL = £21.40

TOTAL DISPOSABLE SPENDING = £38.32

TOTAL SPENDING THIS WEEK = £56.25

 

Financial Review of Week 32

Hello everyone.

Delayed due to internet issues, here is the financial review of the week previous to this one (7th – 13th August)

FOOD AND HOUSEHOLD SHOPPING

Orange Juice, Twirl Bars, Cucumber £2.35

Danish Pastries, Frozen Broccoli, Milk, Celery, Courgette, Bananas, Leeks, Cereal Bars, Carrots, Bread, Pasta Sauce £10.44

Chicken Tikka, Steak Pies, Frozen Peppers £6.29

TOTAL SPENDS = £19.08

 

DISPOSABLE/DISCRETIONARY SPENDING

GIFTS

Gift bag £1.29

Lip balm and hand cream £4.90

Cookies £1

Wine £5

Card for my Mum £2.50

TOTAL = £14.69

TRAVEL (VISITING)

Train fare to visit family = £33.75

TOTAL DISPOSABLE/DISCRETIONARY SPENDING = £48.44

 

TOTAL SPENDING WEEK 32 = £67.52

 

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.

 

6 MONTH SPENDING ASSESSMENT

Hi guys,

We are now halfway through the year, scary times at Ridgemont High!

So although I tend to assess my spending mainly across a tax year, I have also been keeping track of my spending across a more standard January – December 2017 year because why have one spreadsheet when you can have two!

Lets have a look at how I wasted/invested my money in the first half of 2017.

HEALTH = £15.79

GIFTS = £214.64

POSTAGE AND PACKAGING = £26.95

TRAVEL (VISITING) = £42.50

TRAVEL (DAY TO DAY) = £91.10

HOMEWARE = £31.75

SOCIAL = £714.76

DEBT (LIBRARY FINE) = £0.60

WORK EXPENSE = £24.23

BEST FRIEND’S WEDDING = £335

TOTAL 6 MONTH SPENDING = £1497.32

I am also £17.05 over budget on the, ahem, I F***** UP category.

So, £1514.37 is a more accurate total.

BUT, BUT, BUT …..

My total debt repayments this year so far, across my credit cards, overdraft and the money I owe the boy are:

£2094.37

So yes, if I had been doing a true No Spend Year like Michelle McGagh did then I would have nearly doubled my debt repayments, but I certainly wouldn’t have been as happy.

And I think nearly £2100 is good, isn’t it?

I mean, it’s certainly not bad, considering my expenses each month.

So whilst I may have a broken mind that likes to see danger in every situation, at least I have done good on my debts.

 

 

Financial Review of Week 21

Hi everybody!

Sorry for the absence, today is a bumper version of the Financial Review of the Week as it will also include the finalised ‘My Best Friend’s Wedding’ budget spreadsheet.

So here goes:

FOOD AND HOUSEHOLD SHOPPING

Bread, Squash, Pattie £2.75

YEP, That was the only food expense in the house this week.

So that leads me on to the food budget…We ended the month with a total expenditure of £166.44 meaning for the first time ever we were in budget by a good amount…£33.56 to be exact.

Which we spent on a Five Guys meal on Thursday. We know how to live.

 

DISPOSABLE INCOME/DISCRETIONARY SPENDING

TRAVEL (DAY TO DAY)

4 x Bus Tickets to work = £4

Bus ticket to town centre in home town £4.90

SOCIAL

Tea £2.15

Toby Carvery £10

Millionaire Shortbread £1

Uncle Sam’s £7.10

There are three reasons why the boy comes to visit my family with me in my hometown and they are:

  1. Wimpy
  2. Toby Carvery
  3. Uncle Sam’s

2 out of 3 aint bad.

GIFTS

Treats for my Dad and Step Mum £7

TOTAL SPENDING THIS WEEK £36.15

 

AND THE BONUS BUDGET…..

BEST FRIEND’S WEDDING

When I found out my Best Friend was going to get married I predicted that the full costs of everything were going to be around the £500 mark.

Instead the full costs of everything was £335 and here is how the costs broke down:

HEN PARTY (TRAVEL TO, FOOD, DRINKS, ACTIVITY COSTS) £153.75

DRESS AND ACCESSORIES £0 (These were paid for by my friend)

TRAIN FARES (ALL RELATED COSTS) £49.25

PRESENT £100 (I had one of those sealed pots which I had been putting money in for nearly a year, I cashed it in at the start of May and had £90 which I rounded up to £100, to any friend’s reading this I want you to know I will do the same for your wedding/important life event 🙂 )

TAXI’S £8

DRINKS £24 (I had a great time with gin and American Pale Ales that were so local they were brewed on the site of the wedding)

So that was the week that was.

In order to pay back the boy as quick as possible I have got myself into a ‘cash flow’ problem as I now have only £36.16 to spend until next payday, A MONTH AWAY.

Which normally would be plenty but…..

I am going to a football match

We are celebrating the boy’s Dad’s birthday

I have to buy a father’s day present

I am going to a gig

I want to get a close friend a birthday present

Things will be tough, but I’m sure I will survive.

I don’t really have a choice.

 

Financial Review of Week 18

On account of HAVING NO MONEY last week was a but skinny in terms of finances.

FOOD AND HOUSEHOLD SHOPPING

Milk £1.49

Bread, Bananas £2.09

Milk, Sweet Potatoes, Potatoes, Cottage Cheese, Mozzarella, Cucumber, Apples, Bananas £7.07

TOTAL SPENDS = £10.15

DISPOSABLE/DISCRETIONARY SPENDING

SOCIAL

Coffee £2.30

Burger £7

Coke and Beer £4.59

Bus £3

TOTAL SPENDS = £16.89

TOTAL COMBINED SPENDING = £27.04

Today I paid another £50 off my overdraft so it is now HALF what it was at the start of January.

I have paid off over £1000 of my debt this year.

Trouble is my debt to the boy is practically an equal amount, so I am back at square one.

I have decided to temporarily hold back on looking for a weekend job as I don’t think I could cope.

The trouble is my best option is to get a job closer to home so that I can save on the train fare.

I may have to apply for local jobs, after barely any time in my new job.

I have to do something, things are about to get tough, and worse before they get better.

 

Financial Accounts for April 2017

I thought it might be helpful to compare my money in during April, and the money that went out.

MONEY IN

Wages £1206.26

Birthday Money £90

Savings £20

Disposable income allowance £75

Extra Money £23.70

Money for Birthday £100

Money from Savings £295

TOTAL = £1809.96

 

MONEY OUT

Bills £1206.26

Expenses post March Pay Day £26.08

Expenses pre April Pay Day £323.58

Overspend on food budget £41.28

Train Tickets £76.10

Train Ticket £18.30

 

TOTAL MONEY OUT = £1691.60

 

MONEY IN (£1809.96) – MONEY OUT (£1691.60) = £118.36 profit.

 

So once again I seem to be in profit, which is good, but where is the money?

I think it is safe to say I wouldn’t be a very good accountant.