NO MORE SPENDING
23. 01. 2015

In 2015 my goal is to keep our grocery spending under £2,520 – an average of £210 a month. Our grocery budget includes just about everything household too. The only thing I don’t include are water filters – they get their own budget line. I do most of my grocery shopping at our local supermarket, and then buy household & toiletry items at Wilkinson’s or Savers. I’m lucky to get a 5% discount at my local supermarket, I just have to shop with a gift card. Loading the gift card with £200 at the start of every month costs us £190. I then have £20 cash (rest of my budget) to spend if I need to in the other stores.

Just a few of the items purchased this week as I somehow lost the produce and dairy photo!

grocery haul

This week I spent £37.58 at Sainsbur y’s and £9.75 at Wilk o’s. Approx £18 of this went on stockpile items (I search online for offers and plan what I’m going to buy before I go), and the rest went on fresh items.

I’ll share my excel sheet price book next week, but here’s a screen shot of the simple inventory I keep for my mini stockpile – I call it a mini stockpile as we don’t have the room for a huge one in our small apartment – and where I’m at with it. I still have a lot of work to do!

Inventory:

stockpile inventory

Because we have so little room, I’m not aiming to have mega amounts of all items. For example we don’t use a lot of ketchup, so having just one of these in the cupboard as a back up is enough.

This inventory is quite specific to our household, but if you have any questions please ask :)

January Grocery Budget Totals

Spending to date: £210.86/£210.00 – (£0.86) left in the budget! All gone, oops!

That’s it for today. Thank you for all your comments and support this week. Have a great weekend :)

21. 01. 2015

2015 FINANCIAL GOALS

I’ve only set three financial goals for 2015. One of them is technically a two-year goal, as you can see, but it’s still something we’re very much working towards in 2015, and so I’ve included it.

1. The sum of invested assets at 25% of goal by December 2016. Achieving this goal requires a minimum net income savings rate of 50% for the next two years.

2. Spend no more than £2,520 on grocery & household in 2015. Me versus the grocery budget…again!

3. Track every penny spent in 2015. I’m fairly good at tracking our spending, but I’m not sure that I’ve ever kept a full record for a whole year.

That’s it! Nice and simple. Now we just have to achieve them :)

What financial goals do you have for 2015?

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19. 01. 2015

What we’re eating on our simple menu plan this week:

menu plan monday

+ Monday: Sausages, New Potatoes & Steamed Broccoli
+ Tuesday: Chicken Curry (freezer leftovers), Rice & Naan
+ Wednesday: Mushroom Omelets, New Potatoes & Salad
+ Thursday: Chicken Taco Bowls (Slow Cooker)
+ Friday: Leftovers ^ on Nachos
+ Saturday: Out for the day
+ Sunday: Pan Fried Fish + Veggies

Breakfasts: Bran flakes, Bagels or Toast. Lunches (for me only): Tuna/Egg Salad or a Smoothie

What’s on your menu this week?

Linking up with I’m an Organizing Junkie

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