Spending Diary 29th June to 5th July 2020

Hi everybody,

Welcome to another week in the life of Flo’s wallet!

I’ll take you through my spending.


Today is a glorious day because today is pay day! Is there any better day? Who knows? I spent some time paying off my credit card bill this morning that was £117.19. This is just a credit card I use to do some flexible payments, I always pay it off in full on pay day. My goal for July is to not use it at all, let’s see how that goes!

I also transferred money into my sinking fund pots on Monzo. A sinking fund is where you put money aside each month for an expense that happens at irregular periods, such as annual things like insurance, Christmas etc. Or you could also have a pot you put money in for things like ‘Car repairs’, so you always have money set aside for when you need to buy new tires or similar. My pots on my Monzo card include Christmas, Home Insurance, TV License, Water Bill, Web Domain Names and Word Press. So I transferred what I put into them each month and that left me with £100 spending money for the month.

I needed new moisturisers so I took advantage of a voucher Cult Beauty had sent me for 15% off my first order. I’ve been really eager to buy from them. I chose two moisturisers, a day one and a night one, from a company called Versed and that came to £30 but after discount it was £25.50. A bit more than I would have liked to have spent but my friend who knows everything and anything about skincare had recommended some products to me previously and my skin cleared up immediately so I wanted to continue trying products she recommends.

I had £20 come out of my account as my first deposit for a mail order wine company. This will be split on the food bill as the flat mate benefits from the wine as well. I ordered my first crate with them last month and have loved it! I don’t think I’ll continue with this after lockdown is over and I’m back working in the office, just because I think it would be too difficult to order wine to be delivered, but it is nice for now.

I went to the shops as I have the day off work and bought cleaning supplies in Savers which came to £18.85 that will be split with the flat mate on the food and household shopping budget. I also bought myself a few beauty supplies in the same store, which came to £9.95.

I then went to Tesco and it’s hard to say what I bought that made the cost of the shopping come to £69.28, but nowadays nothing surprises me price wise during lockdown. It was a big food stock up shop. The shopping included a 1kg tub of peanut butter, loads of different herbal tea bags as I have finally used up my complete stash in lockdown, and various tins and long life stuff. I made sure to buy a jar of jalapenos just in case I get another craving to spend all my money on a Domino’s again.

I then went and bought the flowers I will be sending to someone for their birthday. The flowers and card came to £27.98, they were worth it.

I’m going to have to be a bit careful with money as I’ve now spent most of it and still have some birthday’s to come this month and the takeaway I need to get my flat mate in exchange for branding work. I have enough money for all those things, it’s just if I get a sudden impulse to buy a bunch of random crap that I’ll get in trouble! And it would be really nice to not use the credit card this month.

All in all an expensive day, but pay day usually is a spendy day isn’t it? Everyone is excited about having money again so goes and buys the things they couldn’t just the day before. And I really do have everything I need now.


It was back to work today. I had a lot of stuff to catch up on from having the day off yesterday. There were a few things to wrap up as it was the end of Quarter 1 at one and that means soon I’ll be having a review with my line managers about how it has gone. There were a few niggly tasks to do as well. At lunchtime I did a strength session, mainly bodyweight exercises. After work I ran a 5km which brings my mileage for this month up to 75 miles. Go me! I’m going to reflect on the goals I set myself for June. It was a bit of a mixed bag. Some stuff I didn’t do at all and a lot of the things I did do was a real rush to get done in the last week of June. I hope I’m better prepared in July.

I made a huge lasagna on Sunday where the main ingredient was carrot. It’s because I had a load of sad looking vegetables at the bottom of the fridge I had forgotten about and I didn’t want to waste them. I’m a big fan of batch cooking, making that lasagna has taken care of dinner for three days in a row. It’s a nice little treat to have a nice dinner to look forward to each night.

In the end I didn’t spend any money today, woo hoo.


I had a few things come out of my account today. I had my monthly crate of craft beer be taken from my account. That was £26.90. I also had my subscription to Tribe protein bars come out, that was £22. Finally I had a £20 amount be taken which took me a long time to figure out what it was. I later realised it was another deposit to the mail order wine company because I had tried to change my payment date to the beginning of the month not the end, and it had taken the payment twice. Oh well, at least my wine fund is nicely funded now. All of these will be split with my flat mate, so the £68.90 is actually £34.45.

The water bill finally arrived, the post has been a bit slow obviously because of lockdown. It was less than I was expecting, by which I mean it was similar to the last bill’s amount and I figured it would be more since the flat mate and I have been at home full time for three months. My share of the bill was £110.70. It is my flat mate who has the account set up to pay it so I left it for him to deal with.


The beer delivery came today, as did my order of moisturisers. I love getting post, even if it is stuff I knew I had ordered.

The flat mate and I split the final portion of lasagna and had it with sweet potato wedges and broccoli. We have now run out of some things and I expect we’ll be hitting the shops at the weekend, we should really go back to food planning and making sure we use up what we have in stock first.

On my run today I went a route that would go by a postbox so I could post the letter to my Grandpa. The run streak I’ve been doing has really helped me be creative about fitting in my runs, such as doing my errands on the run. I probably wouldn’t have figured that out if I hadn’t decided to do a run streak.

At work it is another colleague’s birthday soon and I’ve been in charge of organizing their gift. I’ll leave the amount out of this in case the work colleague reads this, but I’ll include my share in the week’s total. I had nearly all of the other team member’s shares come back into my account so I am now nearly fully funded again.


I missed out on tickets to see Fontaines DC in my home city, boo. I didn’t think it would sell out that quickly even though everyone said it would. To cheer myself up I bought a ticket to see Echo and the Bunnymen next year, a band I’ve always wanted to see since getting into them. The ticket was £54.15. I made sure to sign up to insurance on the ticket. If this year has taught me anything it is that you never know what is going to happen!

The flat mate wanted something nice for dinner, so off he went to the shops and came back with take away style pizzas and a whole bunch of other unhealthy stuff. Yummy. He spent £24.55 in one shop and £8.40 in another, but we will split the costs. The pizza was so big that I could only eat half of it which is unheard of for me. We watched wrestling in the evening. I had already gone for my run that day. A good thing too because that pizza really was huge.

My friend is going to be copy editing some written work of mine. I wanted to pay her for her work but she wasn’t keen for whatever reason. We eventually compromised on a donation to a food bank in return for her services, so I sent £33 to my city’s local food bank tonight.

I probably didn’t imagine when I woke up today that I would spend all the money I did, but I feel everything I bought has had a good value.


I woke up late, boo. I had a quick coffee and breakfast then I ran into town. I was under the belief my bank was open, I had checked online yesterday. When I got there however it was very much shut. But at least I had gotten my exercise in for the day.

On the way back from the ill-fated trip to town I stopped off at the shops to pick up tomato ketchup for my flat mate because last night with dinner he was devastated when he discovered he didn’t have any ketchup. He really was devastated! So I bought him some today to cheer him up.

I had a zoom session with my book writing masterclass, and then I spent about 2 hours finishing a course on Duolingo that I was really struggling with. I’m learning French, technically I have a GCSE in French, but that was 15 years ago and it was a mediocre grade C so I definitely wouldn’t say I am skilled in the language. To be honest I think Duolingo is a better teacher than any actual teacher I had in high school. One teacher would write the lesson on the board and not even speak to the class during the lesson at all. That same teacher also once didn’t show up to class and we all bunked off and it was never discovered. No wonder I did so poorly.

I had another zoom call in the evening with friends from work. My poor phone got a bit overworked today, I’m always having to charge it. My laptop is over 9 years old and I’m amazed it still does anything at this stage, though there is an awful lot it doesn’t do. I would love to get a new laptop but that is a far off purchase for when I am richer which is probably going to be never. Oh well. I can dream.


Disaster. I woke up at 12:30pm. I didn’t go to bed till after 1am but I am still disappointed with this waking up time. I have got to get my sleep under control again. I always struggle to sleep well in summer.

I went for a small run with my flat mate, then I made some banana bread. I made banana bread all the time before lockdown but I almost refused to make it during lockdown because it’s one of the lockdown bingo things to do. But I love banana bread and I had three bananas turning black and squishy so it had to be done. I jazzed it up with coconut flakes and dates, yummy.

I will be doing my pub quiz in the evening with my siblings, and other than that I have no plans for the rest of the day. I’ve already done my 5 French lessons on Duolingo, je suis chez moi is the latest sentence I’ve learnt (I am at my place). I might watch Rocky III in the evening with my flat mate, and eat some banana bread of course.

So with that I will sign off the week.


FOOD AND HOUSEHOLD SHOPPING = £212.78 / £106.39 (my half)









Spending Diary 22nd to 28th June 2020

Hi everybody,

I hope you are all well. I had a really good week, though my wallet took a bit of a beating.

I’ll take you through my week.


I had the day off work today. I booked off every Monday in June. It was definitely what I needed at the time of booking them off but I’m actually looking forward to when I go back to a 5 day working week again. I did a really nice run and had leftover salmon curry for dinner which was lovely. I had a meet up on zoom with the people in my book writing masterclass which went very well. In terms of spending I have run out of the products I previously ordered from Lush and I was really debating whether to buy more as they are great, but they are expensive. In the end I caved and bought another small bottle of American Cream conditioner and a small pot of Ultrabland cleanser. The bigger sizes are better value for money, but I can’t afford that upfront cost at the moment. The Lush order came to £26.95. I also saw that my subscription to SMOL laundry capsules came out, so they will be coming to me in the post. They are £3.85, but that will be split between the flat mate and me. We are now over the food shopping budget and will have to sort that out at the end of the month. Because I’m having trouble sleeping I decided to take advantage of that and stayed up late to watch Call Me By Your Name on Film 4 as I had heard it recommended on the radio. Such a beautiful film.


My subscription to Pact coffee came out of my account today. I order one bag of coffee from them each month and they are divine. I love trying new things, even if they are on the small scale. That was £7.95 but it goes on the food shopping budget, so we are still over budget. I did such a big shop on Sunday though that I won’t really need to buy anything for the rest of the week, if I’m careful. It was back to work today and I had a really productive day. After work I went for my daily run, 5km today. I ran nearly 4km yesterday running to and from the pharmacy, I find doing things like literally running my errands means I can fit the exercise in. I made a pizza dough from scratch and covered it liberally in anchovies and olives, a taste not everyone will enjoy but I love.


I felt really nauseated today. It was the hottest day of the year in the UK and I was just melting. My sourdough started had exploded everywhere as well, I guess that means it’s really active. I had to pick up a new prescription so I did my same run commute to the pharmacy to pick it up. I felt terrible when I first started the run and walked a couple of bits, but I felt much better as the run went on. I didn’t spend any money today either, yippee!


My flat mate went to a big supermarket and picked up a wide selection of non-alcoholic beers. The ones I bought from Flavourly last month were great but very expensive, they cost more than my crate of alcoholic beers did! I knew the big supermarket would be cheaper. He came back with £31.40 worth of beers for the both of us, so in the end it was a similar spend but we did end up with many more so it was cheaper. As part of my book writing masterclass I had been watching videos with special guests and one is a writer called Penny Haslam who has written a book called How to be a little bit famous about self-promotion, so I decided to buy the Kindle version of that for £6.02, saving £2.59 on the print edition. I also took out a mini trial subscription to Women’s Health magazine as I had been looking out for a good deal and saw a ‘3 issues for £3’ deal. I had been considering buying a copy in the shops as I have been really craving reading it, so buying 3 issues for £3 and delaying the gratification was a much better deal than just buying one issue for £4.70 or however much it is.


Today I put forward my contribution to a joint gift which I will include in my weekly total and not here as I don’t want the giftee to see. I did that through Monzo which I absolutely love for helping me manage my money. I went for my usual run after work, the same 5km route I usually do. I did a strength session and some Duolingo French lessons and I watched some Netflix. I had a small dinner that wasn’t actually that nice as I had overcooked the salmon, bleurgh. It’s weigh in day for me tomorrow. I don’t do slimming world or any nonsense like that, but I did used to go to it once upon a time and one principle I’ve taken from it is the weekly weigh in, so Saturday mornings are my weigh in day which I use to record my progress on the MyFitnessPal app, which is why I tend to be quite good on Friday evenings.


Had a rubbish night’s sleep. I really struggle in the heat and my sleep has fallen apart anyway so it was bad on both counts. I had insomnia the night before which did mean I was up till 2am finishing the book I was reading, so at least I was productive with my insomnia. I watched an old Euro 96 Germany versus England football match on TV, I had never seen it before but I knew how it was going to end. I went for my run after that. I ended up running at a very comfortable pace and really enjoyed it. If I can go at that pace tomorrow I should be able to do a 10km without too many problems. I wrote a bit in the morning, I did loads of lessons on Duolingo and I made store cupboard fish cakes. I’m going to chill in the evening. I’m going to start compiling a shopping list for when I get paid as we do need more things but I am trying to spend as little money as possible until then. I have plenty of food but will probably go to the shops on pay day. I’ve really been craving jalapeno’s, especially on a pizza. I nearly ordered a Domino’s on Tuesday as I was craving these so much. I just made a pizza instead.

I caved in to another magazine deal, this time three issues of Women’s Running magazine for £5. I hope I have time to read all these magazines! This was a bit of an impulsive purchase, but it was another thing I was going to buy just after I had found a good deal.


And another week draws to a close. I don’t plan on spending much money today, well, truth be told I don’t plan on spending any money. But I’ve said that before! Tomorrow is pay day and I really want to end the month in good financial health with some money in my account.

I have been putting things on my credit card this month. I keep a track of every single purchase and incorporate it into my spreadsheet of bills so that I know to pay it off as soon as I get paid. I spent £117.19 on my credit card this month and it is all listed ready to be paid off as soon as I get paid. I am in control of my money at this point and I never spend more than I can afford to, so I am not concerned by spending money on my credit card. It is more about being flexible with when I buy things, though my goal for next month is to not use the credit card at all.

I’m going to sign off this week as completed spending wise. I’ll take you through what I’ve spent.

FOOD AND HOUSEHOLD SHOPPING = £43.20 / 2 = £21.60



That’s better than I thought it would be this week! Right, I’m off to do a food plan and bake some bread and think about how I’m going to use up all those sweet potatoes and carrots I bought.



Spending Diary 1st-7th June 2020

Hi everybody,

Let’s see what this week holds in store for me.


I had the day off work today. I woke up later than I would have liked at 9am, but at least I had a decent amount of sleep. It was pretty hot last night and that makes it hard for me to sleep.

I was trapped in the house as I had to wait for a FedEx delivery driver to come and collect an incorrectly delivered parcel from the week before. They came and said the parcel was missing the correct label and they couldn’t take it with them, so that was that. But that did mean I was free to leave the house after that, so I combined my daily run with going to the shops. I went to Savers to pick up some laundry and cleaning supplies for the month ahead. That came to £21.81 but it will last us the rest of the month. I split the household shopping with my flat mate so it only cost me £10.91 really. I also picked up 2 body scrubs, 2 toners and 4 SPF lip balm’s for myself that came to £10.32.

I then headed to Iceland and picked up bread, milk, orange juice, 2 packets of cheddar cheese, frozen sliced peppers and frozen diced onions and that all came to £9.69, or £4.84 for my half once it is split with my flat mate.

Hopefully we will have enough food to last us a good while. I’m really trying to avoid going to the shops as much as possible.


Back to work, it seems like I have less time to do things now in lock down compared to at the start of it. Maybe I’m just prioritizing different things now. I do do a lot more writing now than I did at the start of lock down. That can only be a good thing. Plus now I am trying to blog every day counting down to being debt free.

But today was Blackout Tuesday, so I didn’t blog or go on social media. I just quietly pottered about the house thinking of all the injustices in the world.

My delivery of craft beer arrived today which was great. I am trialing getting a new crate delivered every two months. I like trying new things. This was ordered the week before and featured on last week’s spending diary, but it was £26.90 for those who don’t want to go back. I am unlikely to continue with this after lockdown is over (having it delivered would be a hassle given that I work full time and run all the other times) but I am enjoying it for now.


The flat mate joined me on my run today. That was nice, it’s nice to spend time in other people’s company, though obviously I want everyone to be safe and will keep up my standards. We keep meaning to do a food plan to organise what we are going to eat over the next week or so to keep us out of the shops, and only buying what we need when we do go shopping. We do have a lot of things in store so we haven’t had to go to the shops since Monday. The flat mate and I take it in turns to go to the shops, so it is his turn next. We made spaghetti Bolognese for dinner and made an extra portion for a lunch another day. No money was spent.

Running every day is easy if you just plan when you’re going to fit it in. I do a lot of running to and from the shops, small runs but every little helps. It is a good way of remaining active during lockdown.

The FedEx driver from Monday also came back to pick up the parcel, it turns out it was just a miss communication and the wrongly delivered parcel didn’t need a new label. Glad that was over with. That is the second wrongly delivered parcel I’ve had in lockdown, I wonder why they’re all happening now.


Went for a run, this time on my own but my flat mate said he would join me for a run tomorrow. It was just a short distance of 3.91km but it was just what I needed. We made dinner using things in the house though my flat mate is talking about doing a food shop soon. We didn’t have to spend any money today which was good. I was expecting my case of wine to arrive today but late in the day I got an email from the supplier to say the delivery had been delayed and it would take up to a week extra. Disappointing but not the end of the world. My beer orders had arrived this week so I still had things to drink. I am trying to only drink 3 days a week, generally that would be Friday, Saturday and Sunday. I am looking forward to having my first drink of the week tomorrow.


The flat mate did go to the shops today. He bought a real mixture of things, he really likes sweet things and has a major sweet tooth in general so he always buys more sweets then I typically would. He came back with cookies, ice cream, ice lollies, strawberries and breakfast biscuits, along with things like ingredients for a stir fry, vegetables, cheese, falafel and frozen foods. His shopping came to £41.89, so about £20.95 for my half. We had gone for a 5km run before he went to the shops and got caught in a rain shower, though I didn’t mind it as much as the flat mate did. The flat mate left a few things off the shopping list as he did do a massive shop and couldn’t bring any more than he did back (neither of us drive so do everything on foot) so I will be going to the shops tomorrow to pick those items up.

I decided not to have any alcohol today as we were going to be having a lot of cookies for dessert so my first drink of the week will be tomorrow. This means I am one day up on my target of 4 drink free days a week which is nice. Doesn’t mean I can go crazy on Saturday and Sunday though!

I do need to begin to think about getting more toiletries again soon, but I am going to hold off for as long as possible as I don’t have much money left this month and I want to be careful. I tend to hold off doing shopping for as long as possible now whereas before lock down I would tend to just buy things as soon as I felt I needed them, now I am really trying to extend my products life span and go shopping as little as possible.

There are a few other things I’m considering buying such as more sports bras, but I will hold off until I know I can afford them. I really want to subscribe to more magazines as well but they aren’t essential purchases so they go at the bottom of my buy list.


I had a bad night’s sleep where I kept waking up during the night. I woke up wide awake at 5am and decided to get up. Predictably I did later fall asleep on the sofa around 8:30am but I had managed to have a productive morning first by sorting out my inboxes at long last. I deleted so many emails and folders, now it is all nice and streamlined. I used to work on a ‘keep it just in case’ system, but after I went on a records management course in January through work I began to see this system was totally ineffective. So I’ve been meaning to tackle my inboxes ever since and today I finally got round to it. I have already tackled my work inbox this week so it was time to do my personal ones.

I did go to the shops early in the morning. I went to Tesco for Beetroot Juice, Pepsi, Milk and Bananas and then I went to Holland and Barrett to buy Tahini Paste. Combined the two lots of shopping came to £9.14, so £4.57 for my half. I timed my visit to the shops quite well as there weren’t that many people there so I didn’t have to queue.

I did a few admin tasks at home then the flat mate and I started watching an old Euro 96 game of Scotland versus England. My flat mate told me I couldn’t miss the second half, so I quickly went for a run just before half time and came back when the second half was just starting again. It was good!

I got a lot done on my to do list, but not everything, but one thing I did do was the weekly pub quiz with my siblings, it was nearly a full house with 5 of us in total (I am one of 6 siblings) and my sister’s children all take part too so it was good fun. It was a tricky quiz put on by my brother and I came second to last, but I don’t care, I’m just there for the fun of it. I had some low percentage beers during the quiz so it was nice to try out them.

The flat mate and I watched 13th on Netflix, and it just devastated me and made me so sad and angry and depressed all at the same time and it made me realise I could be doing so much more and it is clear that we need to in this climate.

I went to bed later than I would have liked and I made it worse by reading for a bit (A Wild Sheep Chase by Haruki Murakami, I am reading all of his books in chronological order as a personal challenge I have been wanting to do for years). But I fell asleep quickly which was good.


Sunday Funday! I am not going to spend any money today, at least not if I can help it, so I’m going to sign off this week.

I have been setting up a Facebook page and Facebook group for this blog, new today, if anyone wants to join me on those, and I also have a Twitter and Instagram account. This blog is still going to be the main source of information, but the other accounts have their purpose too.

I wish you all a lovely Sunday and a great week next week.








Spending Diary 25th to 31st May 2020

Hi everybody,

Let’s hope there are no surprise near £500 writing courses this week!


Bank Holiday Monday in the UK. I spent it at home cooking, writing, blogging, watching Netflix, running, reading and having a go on Duolingo. What a lovely day it was. And best of all I didn’t spend any money!


I thought my pay slip would be released today, but I’m guessing the bank holiday affected it as it wasn’t released on my HR portal at work. Oh well, it’s not the end of the world. I will get the information tomorrow. I just like having all my financial information to hand as early as I can. I’m sad like that.

I was fast running out of time to get everything done. Just because I’m in lockdown doesn’t mean time is endless and infinite, there are still problems with getting everything done all in one day and I hope people aren’t getting caught up in the idea of toxic productivity, as that’s not good for anyone’s mental health.

So I needed to think strategically to make sure I fitted in my daily run. So I decided to do my errands whilst running. I ran to the post office to post some cards to my relatives in Ireland, then I ran to the pharmacy to pick up my repeat prescription. Posting the cards cost £2.44, I’m really excited about posting the cards. I’ve become quite addicted to posting letters during lockdown, luckily there are a lot of post boxes near me so I can easily social distance whilst posting letters.


On the blog post for today (92 Days) I think I said I hadn’t spent any money. What I did very soon after that blog post was buy two notebooks and a French/English dictionary on Amazon. The order was £33.43, but I had a £10 Amazon voucher to use so it was only £23.43, plus free postage and packaging, does anyone ever actually pay for postage on Amazon? A couple of hours after that purchase I decided to research a book I read about in the Metro newspaper years ago about someone who can speak multiple languages, all self-taught. After a bit of digging I found the book (Fluent in 3 Months by Benny Lewis) and I bought a kindle version of it for £2.99. I tend to do things both impulsively and passionately. Before March 2020 I had little interest in learning French, but wasn’t totally against the idea, and now I am throwing myself deep into it.

My run today involved passing a postbox to deposit two birthday cards and a letter to my Grandpa. I rather shamefully didn’t write to him this much before lockdown so I am trying to make up for things now and I will keep up the letter writing after lockdown too. My Grandpa is the strong silent type. I am also quiet and reserved. Although I do love him, I have not always found it easy to communicate with him because both of our natures are to be in the background observing. He needs an extrovert to bring him out, much like I do. My dear deceased Grandmother was definitely an extrovert.

I find it easiest to express myself through writing. Talking I find a struggle. Writing brings me out of my shell and you can see the true me.


Pay day, yippee! I promptly did some household shopping which consisted of a 12 case of wine for £47.88, a 20 pack of non-alcoholic beers for £36 and I brought my subscription pack of craft beer forward by a couple of days as my beer supplies are depleted, and that was £26.90. The alcohol supplies in total came to £110.78, or £55.39 for my half of them according to the flat mate and my food budget arrangement.

That should take care of my alcohol needs for a good long while yet. I tend to be a boredom drinker and times like these make me drink more, so I am really trying to be careful as I do take being drink aware seriously. I’ve already got a drink free days monitoring app and am aiming for 4 drink free days a week, but I think I will look into another app that monitors the units I drink each week.

I will need to do some food shopping soon but I’m planning on stretching it out till the weekend. I still seem to have enough in the flat and it is good to reduce time outdoors as much as possible.


Last week I decided to try and organise a virtual bake off with my work colleagues with me as the judge, and due to me being the only one to submit an entry I ended up winning according to my rules. I had decided I would donate £5 to the winner’s chosen charity. I was the winner, but I already have 2 direct debits set up to charities I care most about, so I asked my colleague’s for suggestions for other worthy causes and one suggested the RSPCA, so I donated £5 to them.

I was able to keep myself out of the shops today, I had initially been planning on going to the shops today but I thought I would leave it. I drank the last 150ml of Malbec we had in the house with dinner, saving the 200ml or so of pink gin in another bottle for Saturday’s zoom drinks with my friends. I am debating whether to get some more sports bras this month or next month but I’m going to hold on a little while longer until I see what sort of deals I can get on my shopping. The only trouble with a run streak is I have spent nearly the entirety of this month in sports clothes and it would be nice to wear some pretty clothes for once.

I have also really been craving getting a magazine subscription to something like Women’s Health magazine, I have really been desiring to read it during lockdown. I know it’s not essential but it does make me happy and helps with my wellbeing. But I will hold steady for now as it is best not to spend all my pay day money in the first week.


I had a terrible night’s sleep, which is such a shame as Thursday’s sleep was so good and it made me think my sleep was back on track. It was extremely hot and stuffy in my attic room and I couldn’t sleep. As a result I woke up at 12pm which I hate. I hate it when I wake up past 10am, let alone the afternoon. I have to work extra hard to get my day back on track.

I went to the shops. Well, just the one. I had to do a big shop so I would be splitting my shop across two days’ worth of trips. I went to Tesco and bought a lot of stuff, vegetables, fruit, dairy, store cupboard, treats, frozen and fresh, a lot of things. It came to £44.89, so £22.45 for my half. I got really grumpy because I saw numerous counts of people lacking awareness over lockdown restrictions. From the person that came right up next to me and reached over me to grab something (about 2cms distance, not 2 metre’s), to a man who coughed and cleared his throat without covering his mouth near a queue of people (who all gave him a filthy look) to another person spitting on the ground. I find all this behavior unacceptable at the best of times, but especially during a pandemic of a virus caused by human contact. Idiots.

I did my daily run, just one more to do before the weekend/month ends to have completed my running streak for May. I’m planning on doing a 10km tomorrow. I’m going to have to plan a new route I think, I’m not sure I can do two laps of my 5k route, I’ll have to look into it.

I had a nice dinner of a brie and roasted red pepper panini with sweet chilli sauce, then I had my zoom drinks with my friends from work which saw the end of the pink gin. There is now no alcohol in the house, so I guess Sunday is a drink free day by default.

I went to bed fairly easily at about 11pm, hoping for a good night’s sleep.


I woke up naturally around 5:20am, but decided to try and catch a few more sleeps. I woke up again at 5:50am feeling wide awake so I got up and began my day.

I do a weekly pub quiz with my siblings and it’s my turn this week to devise the questions, so I spent my early morning doing that. At around 10am I left the house to do a 10km run, which went very well. I am by no stretch of the definition a fast runner, but I can travel a long distance fairly easily. I came back and had a shower and checked my emails and saw that one of my beer cases is likely to arrive today, as are the notebooks and French dictionary from Amazon. Glad I had my shower quickly.

I was considering going to the shops to pick up cleaning supplies and do the rest of the shopping, but I’ve decided to switch that to Monday instead. I have the day off on Monday, I’ve booked off every Monday in June to have a bit more time to myself. I plan on doing lots of writing and running on those days off.

I was also considering looking into buying some toiletries, but I really do have plenty of them. I could do with some body scrub, and Vaseline and a SPF lip balm, but it seems to place an order for just those things. I can pick them up at some other point.

I did donate £22 to a friend’s fundraiser. She is in serious need of an operation and although we have the brilliant NHS here her only real option at this moment is to have the surgery privately due to the demands on the NHS at the moment.

So with that, I declare the spending for this week is done!


FOOD AND HOUSEHOLD SHOPPING – £77.84 (£155.67 total)


TOTAL SPENDS – £138.70




Spending Diary 18th to 24th May 2020

Hi everybody,

I wonder what this week brings for me spending wise. Hopefully not a lot!


I woke up late today, I’ve been having trouble sleeping recently. I struggle to fall asleep at night which means I sleep in late the next morning which I hate. I guess the lucky thing about working from home is there is no commute so I was still able to begin work on time.

I had a few tricky issues to sort out at work, and things took a further turn for the worse when the Flat mate said he had seen ants in the dishwasher! Grim! I put a dishwasher cleaning pot in the dishwasher and ran it on a hot cycle and hopefully that will help the problem. I can’t wait for the ant killer to arrive. I tried to find some in another shop yesterday but there was none to be had.

After work I went on Duolingo for about an hour to ‘parle francais’ and was able to finish another section on it which felt good. Then the flat mate and I went for a short 2.5km run around the neighbourhood. I’ve taken to running on residential streets as opposed to the nearby park and it is so much better and quieter making me feel much safer. We had falafel and hummus wraps when we got hot with sweet chilli sauce, lush.

For the last week I’ve been doing a challenge run by author and life coach Michael Heppell called ‘Write That Book’. It ended today with a live webinar on zoom, there were prizes to be had, but I didn’t win anything, but I was expecting that and it wasn’t my motivation for joining the challenge anyway. I’m under no illusions that most of this was to promote his masterclass which he was launching after the challenge. He previously said the course would be around £1500 which I knew there was no way I could afford so I wasn’t going to do it, but then in the webinar he said he had an early bird discount making it just £495. I had a budget in my mind of around that price which if the course was that much then I would sign up for it. Now I had to make some decisions, because I don’t just jump into things without thinking about them. So I got out my computer and the spreadsheets of my monthly budgets and did an analysis to see how I was going to pay for it, and only when I knew I could pay for it and not have it delay any of my other financial goals did I pay for it. I have never spent £495 or even anything remotely near that for a course before, but I know it will be worth every penny. Plus, I could put this on my self-assessment tax return as a training cost. I’m not sure I will bother but it’s good to know I’ve got that as an option.


I woke up to the bad news of finding out my payment for my subscription to a ground coffee company had been declined. I had been meaning to swap the card I make that payment on around as I had been charging it to my Monzo card when I would prefer for it to be my main account. I tend to keep the card balance at ‘zero’ on Monzo and keep everything in the pots until I need to spend that money, so it wasn’t a case of I didn’t have the money, but I still take payment declines quite badly. I took this opportunity to change the payment cards around on my account and they will try the payment again tomorrow.

It is a work colleague’s birthday soon and one of the team had organised gifts and let us know that each person’s share was £3.50, so I transferred that to them through Monzo. The gifts are amazing, the birthday colleague is going to love them!

I had a good working day. It is Mental Health Awareness Week at work as part of a wider Health and Wellbeing campaign, so I attended a MS Teams talk on sleep. Mine has got all out of sorts recently but I’m making a concentrated effort to get better at it. I’ve been trying to enforce my digital detox from 9pm and go to bed at a sensible time. I’m slowly getting there.

I had to go to the shops after work. I can’t believe how fast we’re getting through food. I’m definitely going to increase the food budget next month going forward. I’d rather end the month in budget then try and scramble to find the money to pay for groceries. The shopping contained a mixture of fresh, frozen, store cupboard and toiletries. It came to £26.65, so £13.33 for my half. No surprises if I tell you that we have gone over the food budget already. I’m really going to have to watch that.


The coffee subscription payment came out, so that was £7.95 (£3.97 between me and the flat mate). No payments declined this time!

I was given a new task to do at work so that kept me busy. I went for a run after work and found it really difficult. They did say on the news that today was the hottest day of the year so maybe that was why. I had some toiletries I had ordered online arrive in the post so that will keep my skin in check for a while. I have adult cystic acne and a lot of acne scars so I try to look after my skin as much as I can. The acne has mostly cleared up over the years but I still have the old acne scars remaining.

Luckily I didn’t spend any other money today, woo hoo!


I had my subscription to a sustainable and environmentally friendly dishwasher tablet producer come out today, £4.50 (£2.25 each).

It’s my last working day of the week as I have tomorrow off work and it’s the bank holiday the following Monday. I obviously have no plans due to lockdown, so I think I’ll just do a lot of tidying up and admin tasks I’ve been putting off.

As you know from my daily post on this day I was in a bad way mentally today. I did manage to do a small run but I just felt awful like I was going to burst into tears or scream or have a full blown panic attack at any moment. My flat mate suggested that my lack of sleep this week may have been playing a big part, so I decided to not set my alarm for the next day and just allow myself to wake up after I had had enough sleep.


I read an article on Women’s Health website about lock down burnout being a condition at the moment, and based on how I was feeling yesterday I could have answered yes to all 5 of the symptoms of lock down burnout, such as having a low mood, not being able to concentrate and having little motivation. After a good night’s sleep I felt a lot better compared to yesterday but I think I need to take some time off work. I previously didn’t see the point in taking any time off work during lockdown as it seemed a waste of annual leave, but if it makes me feel better it can’t be a bad thing. I think I will ask my line manager about that when I return to work after the bank holiday weekend.

The flat mate and I did a 6km run, he also had today off work, it went a lot better than last time I did this route so that cheered me up as well.

Other than that I just pottered about the flat and did things like spend a long time on Duolingo learning French and watching Netflix. I went to bed at a late time which wasn’t good, but I still have a bit of time to sort out my sleep.


I woke up at 5:30am originally and did manage to finish a book I’ve been reading for a while and back up my work on my laptop, but then I just kept falling asleep on the sofa. Silly Flo.

I’m debating whether to go to the shops and buy some food or make do with what I have left in stock in the house. Financially I could benefit from spending less money, but I would like to have more options for cooking over the next week. It’s just such a bugger going to the shops, I really try and put it off as much as possible.

In the end I caved and did go to the shops. Fruit, dairy, frozen. I still don’t get why people aren’t social distancing in the shops. It’s not that hard.

I spent £27.82 (£13.91 my half) at the shops. I’m really not going to try and go to the shops again before payday. I did look into my food stores and I could have lasted without going to the shops, but I wanted to make nice things and maybe some treats too, and some of the things we needed.

It was my only spends of the day, though I did get tempted by some notebooks as I am fast running out of my supplies.


Today I plan on making jam tarts, spending time on Duolingo, watching Netflix, doing a long exercise bike cycle and doing my daily run.

I don’t plan on spending any money today, though I believe I also said that last week and then went to the shops. I certainly intend to stay in today.

I have just made 17 jam tarts and they are cooling, I will post about them and the recipe, though it’s not really a recipe as such, or at least not a complex one, but still that’s part of my ethos. I will spend some time on Duolingo whilst they are cooling as I am quite close to topping the leader board of my league and that seems like something to care about in lockdown.

Life really isn’t too bad. Some days I struggle, other days I’m on top of the world. I guess that’s the way of life. It is all ok.



FOOD SPENDS = £33.46

TOTAL SPENDS = £531.96

Spending Diary 11th to 17th May 2020

Hi everybody,

Money is fast becoming a priority. I am so lucky to be earning a full wage and be able to work from home during this time, but that doesn’t mean I can stop doing my best with my money. I am classed as a low earner, so I think my earning potential is limited, so I will always have to be careful with money. Though I can see that currently I am doing ok.

Let me take you through this week.


The Monday after the Bank Holiday weekend. I ended up having my most productive day at work since working from home, so I really felt good about that. But it looks like we may have the beginning of an ant problem in our flat. Which is even stranger given that it is a first floor flat. Before today the flat mate and I had never seen any ants in our flat, ever. Today we saw, and killed, four. I have a mild ant phobia and this did bring on some anxiety for me which took a little while to calm down from. I dealt with it proactively by going through all the cupboards that store food and wiping them down and cleaning them with the old style favourite of distilled white vinegar spray. It stung my nostrils a little but the cupboards looked all nice and shiny. I placed opened packets of food in sealed jars and Tupperware’s to prevent a further problem. Haven’t seen an ant since this afternoon so maybe they know not to mess with me.

I received a £50 Amazon voucher from a side hustle market research panel I’m signed up to today, so I placed an order that had been in my online basket for a while. I bought a foot rest as it would really help my posture at my work desk, some cleanser that my skin care expert friend has recommended, a writing set, a ceramic food storage container that I am going to attempt a new sourdough starter with, some dots for spots (a skincare treatment for pimples) and some reusable bamboo kitchen roll that I’m going to give a try. The order after vouchers was £13.34, the bamboo kitchen roll I’ve placed on the food shopping budget so that was £8.49 (about £4.25 for my half) and the remaining £4.85 I counted as a ‘beauty’ category spend on my spreadsheets.

I also had a delivery of a 6 pack of oat milk, 2 packs of V60 coffee filters and a packet of ground Welsh coffee. I haven’t actually had the invoice yet so I’m not sure how much it will be.


I received the invoice for the coffee shop delivery yesterday so I paid that straight away. It was £25.31, so £12.66 for my half.

The ants are still being a bother. I am deep cleaning various areas of the house and hoovering the floors and spraying white vinegar everywhere. Our house smells like a chip shop, but I like it now.

The flat mate and I cooked a batch of spaghetti Bolognese that will do for tomorrow’s lunch as well.

I have been taking part in an online book writing challenge, though interestingly it doesn’t really involve much writing. But it is a good way to get feedback on various things such as the potential title for my book, and I’m actually really coming to like it. It’s good for me to get out of my shell and do things that may help me in the long run.

Money is getting tight as the month draws on. The food shopping has naturally gone up now that the flat mate is back and I really don’t think we’ll make it to the end of the month with the food budget in tact so it is about minimizing the damage where possible.


The ants are bothering me so much that I went on Amazon and ordered some ant killer. I tried the humane way, it hasn’t worked. The ant killer was £7.39 which the flat mate and I will split between us. It was the flat mate’s turn to brave going to the shops and he came back having spent £40.02 which is normal for lock down prices, but it means we only have about £25 of the food budget left to last 2 weeks, so my worries yesterday will almost definitely come true. I guess I’ll just have to cope with it. Or maybe I’ll look to see if I can increase the food budget for the months going forward. I’d rather have a plan and reduce my disposable income then be caught by surprise at the end of the month.

My friend gave birth two weeks ago and I’m finally getting the hang of using Moon Pig, so I ordered her, or more specifically her son a card to send to them. That was £4.05. I’m the sort of person who regularly took advantage of the ’10 cards for £1’ Card Factory deals so these cards are really starting to add up cost wise but I have come to quite like them. People should have nice cards.


I was feeling really ill today. The flat mate and I had made a big Indian dinner the night before and I was feeling bad from it today. Knowing I was too nauseated to eat much lunch I went for a long run at lunchtime to make the most of it. Long is a relative term, it was 6km, but certainly longer than any other run I’ve done since lock down began. It was a truly terrible run when I was doing it, but when I got home and recovered from my increased nausea I felt much better about it.

As a result of this I didn’t spend any money today which is good!


I have a rolling three month subscription to a magazine called ‘Money Wise’ that is definitely worth every penny of the small £7.50 charge every three months. That payment came out today. I had forgotten about this coming out of my main bank account though I knew it would be coming out this month. I work to a zero based budget in my main bank account only holding enough money in it for bills and food, so if I let this £7.50 charge come out it would mean I would eventually go overdrawn. So I transferred £7.50 from my Monzo account as this magazine subscription is definitely a fun spend back into my main bank account.

The Flat mate had gone to the shops earlier today and spent £14.05 (£7.03) on a few bits and pieces for the fridge. We know don’t have very much of the food budget left at all so I imagine we will go over budget this month for sure.

We considered watching ‘Long Shot’ on Netflix as a friend had recommended it saying it was better than expected. The friend probably meant the Charlize Theron and Seth Rogan film, but instead we found a 40 minute Netflix film about a wrongfully convicted man in Los Angeles and decided to watch that one instead, and I do recommend it.

I’m eagerly awaiting our ant killer to arrive. I’ve tried getting rid of them humanely and they just keep coming back. At the end of the day they are a pest and I want them out of my flat. I’ve deep cleaned so many different areas of the flat and I’m pissed off that they’re still here, it’s really bothering me.

I had gone for a run along a new route today. It was also much quieter. I think I’ve finally twigged that just because I live opposite a park it doesn’t mean I should run away there because everyone wants to be at the park. On my way back after finishing the run by the edge of the park there were Police Community Support Officers talking to people and asking them what they were up to which just highlights that it is a different world we are living in.

One good thing about lock down is when I turn my work computer off at 5pm I can be at the ‘pub’ (my living room) within 1 minute to begin the weekend.


I practiced my French on Duolingo today for about an hour. I did a small 2.22km run. Later on I did some writing. In the evening I began investigating products I needed to buy as part of my skincare regime. Something I had in my Amazon basket seemed to have been removed from the site so I began looking for it on other sites. I found it on the Superdrug website and as I needed a few other things I ordered them too. It was my first time using the site for an order and I had to figure out which products would be in stock to order as some things I originally placed in my basket weren’t available to be delivered, so I had to replace them. I bought hair remover, serum, eye cream and body scrub. It came to £22.72 which was the majority of what I had left remaining in my Monzo account so I really don’t have much left to survive the month with, but then again it’s not like I’m going anywhere or doing anything.

The flat mate and I started watching End of the F****** World and I’m not sure what to make of it, it is a bit grim and dark though that’s not usually a problem for me. I’m so glad I’m not a teenager anymore, far too many hormones raging about the place. It’s much easier being an adult.

My sleep has fallen out of balance recently. I used to do a digital detox and now I’m still on my phone and laptop late at night and I need to work on that as it’s messing with my sleep. I’m going to spend tomorrow onwards getting back into the habit of going to bed and getting up at a sensible time. I much prefer my old routine of getting up at 6am and going to bed at 10pm.


I don’t normally spend any money on a Sunday, at least not during lockdown. I have no plans to go to the shops as I’m planning on doing that tomorrow. I don’t really have any disposable income money left so I won’t be buying anything personal for myself, so that is the end of my spending for this week.


Turns out we had run out of gravy, so I went to the shops and decided that I might as well blow the budget and buy everything we needed. A biggish shop later of £31.70 (£15.85) will hopefully keep me out of the shops for a while.


FOOD = £126.96/my half £63.48





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.


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.


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).


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.


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.


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.


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.


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 FOOD SPENDING = £91.26 (£45.63)



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.


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!


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.


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.


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.


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.


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.


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.


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




May 2020 Financial Projection

Hi everyone,

I got my pay slip yesterday and pay day is tomorrow, therefore I have time to do a projection of my money for the month ahead.

I earn £20725 a year. Depending on my performance at work I can expect a bonus of about £150 (before tax) each quarter.

This month I seem to have been taxed differently as I have a slight increase in my pay. That’s fine with me!

Here is a breakdown of my bills


Rent £375 (my half)

Council Tax £77 (my half)

Energy £75 (my half)

Broadband £17.49 (my half)

Food £150 (my half)

Debt £150

Life Insurance £14.76

Mobile £7

Gym £27 (This is a £7 donation of sorts to my gym whilst it’s closed and £20 to a personal trainer to devise a lock down at home work out. Normally it would just be £19.99 a month)

TOTM £6.80 (subscription order sanitary products)

2 x Charity Donations £10

Netflix £3 (my half)

Any bill that is followed with the words ‘my half’ means the monthly cost is double, but I split that bill with my flat mate. Some bills come out of his account and some come out of mine and we transfer the respective money to each other, but for point of ease I’m just showing what my half of the bills cost.

TOTAL £913.05

INCOME £1404.42

TOTAL LEFT £491.37

Now here is where the fun starts, what do I do with my ‘disposable income’?

This is where my sinking funds come in. A sinking fund is where I keep my money for bills that come out less frequently then once a month. It’s where I put money aside for savings, etc.

Here’s what I do with mine, my budgets have been dramatically changed due to lock down so what follows may not be an accurate description of a typical month, but it is reflective of the month ahead.

Beauty £7.50

Christmas £67.50

Clothing £7.50

Health £7.50

Home Insurance £10

Races (Running) £7.50

Renew Passport £20

Royal Mail Redelivery £6

Running Trainers £7.50

Savings £200

TV License £9.85

Water Bill £40

Web Domain Names £20

Word Press £5

TOTAL £415.85


Some of the above are higher than they would be normally because at the start of this year I couldn’t save very much money at all and so some bills are due to come out soon, and I don’t have the money set aside for them just yet. For instance my ‘Water Bill’ sinking fund will usually just be about £20 a month, and Christmas would be £50 a month.

My goal is to get to a point where I am saving 20% of my net pay each month, but at the moment it is just a bit too difficult and I would rather save a bit less and keep it untouched then keep raiding the piggy bank.

There’s not much to get up to at the moment due to lockdown so it should be easy to keep to the £75 fun money in the next month. Though I am lusting after a magazine subscription, but I must be realistic about needs versus wants.

So that’s it everyone, a little glimpse into my finances. I would like to get to a point where I can pay for Duolingo each month, and I would quite like to try out Disney+, but they aren’t important and what is important to me is looking to see if I can go on holiday after lockdown with my friends.

My debts are taking care of themselves and will be gone within the next four months. It’s a little hard to believe my debts will soon be gone. I’ve had them for so long and they’ve been such a part of my identity (in a bad way) for so long that it’s hard to get used to.

I’m sure it will get easier.


Spending Diary 20th to 26th April

Hi everybody,

Compared to last week’s total of £8.40 I have spent a lot more money, I’ll take you through it.


My flat mate recently bought some tickets for a gig in December, seeing Manic Street Preachers. I’m going on the assumption that the gig may still go ahead and therefore I should pay him. My two tickets cost £71.50

I also bought some coffee from an online subscription service as I had run out £7.95 (approximately £3.98 when split with my flat mate)


Through a local coffee shop closed due to Covid-19 but still doing deliveries of their stock I bought a 6 pack of oat milk, a 6 pack of almond milk, ground coffee and filter papers for my V60 coffee maker £30.50 (£15.25 when split with my flat mate)

I’m signed up to another subscription service for protein bars and my next delivery came out today £16.50, normally the order would be £22 for an 18 pack but they’ve brought out a new range of products meaning the biggest box can now only contain 16 products but the price is staying the same, so as a good will gesture they’ve given me a 25% discount on my latest box. (£8.25 when split with my flat mate).

A member of a running group I’m part of has set up a charity to donate gifts to key workers, so I donated £11.50 to her cause.


Members of one of my running group are doing the 2.6 challenge today and they set up a just giving page to raise money for a local homeless charity so I donated £10.50.

Paperchase got in contact with me to say my £5 birthday treat for being a treat card member was going to expire soon. I had completely forgotten about it due to being distracted with lock down, so I decided to order a new notebook as I’m a serious notebook fiend and my supplies were running low. With discount and postage and packaging it was £9.99

I went shopping at lunch time thinking it would be quiet. To an extent it was but I really didn’t enjoy the experience as people were just not obeying social distancing and I got so fed up with it that in the end I was doing the same, which was awful of me. I was buying a small amount of supplies, mainly fresh stuff as I’m still running down the freezer to defrost it. £23.04 (£11.52 when split with my flat mate)


I’ve been trying to split my shopping across different days so I never spend too long out of the house at any one time. So yesterday was food shopping and today was cleaning supplies and toiletries. In Savers I bought toner, face wash, face scrub and hand cream. £7.66. In the same store I also bought a couple of packets of colour catchers, laundry antibacterial detergent, laundry scent beads, washing up liquid, dishwasher cleaner, toothpaste, mouthwash and suntan lotion. £21.80 (£10.90 when split with my flat mate). I then went to Superdrug to buy body scrub £2.98.

My subscription to Smol who do environmentally friendly laundry capsules and dishwasher capsules also came out of my account today and was for £4.50. (£2.25 when split with my flat mate).




TOTAL – £166.28