A small good thing

(Thank you to Raymond Carver for the title) I have had an interesting day money wise, and it is perhaps fitting I end the day watching the film The Big Short. In my ‘old’ life waking up the day after payday would mean a few things. The compulsion to hit the shops would be so consuming …

A full assessment of my monthly income

Hi everyone, Well as you know today was payday, wooo to the hoooo! I have decided to show the full extent of my finances by comparing my income versus my outgoings. So here goes: FEBRUARY 2017 INCOME (After student loan repayments, pension contribution, taxes and national insurance) £1206.26 OUTGOINGS Paying back boyfriend for Dr Who …

Financial Review of Week 3

Hi everybody, it is time again for a weekly review: I have to quickly add some expenses that occurred last Sunday after I posted a review, and they were: SUNDAY SOCIAL £3.10 Coffee and small cake with Boyfriend £3 Chips with boyfriend and two other friends whilst watching a WWE British Wrestling tournament. On to …

BONUS FUN TIME WEEKEND CHALLENGE PART TWO

Hello everybody, I left you yesterday with the Flo’s-Brother-Has-Come-To-Stay-Weekend-Budget at £20.80/£50. Here are today’s expenses: BREAKFAST £6.50 (I took my brother to a local greasy spoon that due to its huge portion sizes and cheap prices is something that has to be experienced) TRAIN FARE £2.60  DRINKS ROUND 1 £9.25  (2 for me, 1 for Boyfriend) DRINKS ROUND 2 £5.30 (1 for …

2nd Week Review

Well it’s Sunday again, I have about 30 minutes spare, so here goes. WEEK OF SPENDING FOOD BUDGET Milk and Breakfast Bars £2.48 Bread and 2 x pizzas £2.80 Milk and Paracetamol £1.64 DISPOSABLE INCOME HEALTH Dentist Check up £13.50 WORK EXPENSE Milk for work £1.90 GIFT Donation to collection for Colleague’s gift £2 SOCIAL Train to Friend’s house £3.90 Coffee with …

How to save money on your shopping

Ever heard of extreme couponing? It’s the act of collecting and stockpiling enough coupons that you can get something ridiculous like £1000 worth of groceries for 6p, or even free. There is a hit US TV series of the same name which will help give you the gist of what it entails. I am nowhere …

Fighting the Impulse

Now that I have enforced a spend free year, I have become a lot more conscious of my shopping impulses. There have been a few scary moments where I have thought ‘I’ll just get one of these/pick up that/go and buy one of those’ and have to fight that thought and remind myself that this …

Once again I am saved by my stockpile

So this morning I was about to make breakfast when I realised we only had a small amount of bread left, which I would have to leave for my boyfriend as he would kick off if he had to have anything other than a sandwich for lunch. Luckily I remembered that I often secrete leftover …

When a bargain isn’t all that great

I had today off work to go to the Dentist. As is customary for my days off I overslept and woke up at midday. This in theory should be a treat as I have to get up before 6am on a working day, but when my ideal time to get up is 5am you can …

I am doing better than the national average person

Hi everyone, I have been awake for about 45 minutes and in that time I have learned something of value to a person in my situation. According to a new report by the TUC, full details of which can be found here the average household unsecured debt in the UK is £12,887. So my debt of £5996.12 isn’t …