30. 01. 2014

Planned vs. Actual:

January Budget Round-Up

Budget Notes:

Miscellaneous Spending:

January Misc Spending


I also spent £14.50 from the gift fund!!

January Financial Goals:

Net Worth (Financial Freedom) increased by £2480.29 but the figures are a little skewed due to changes in M’s pension scheme – he’s just started a new one and is getting a very good employer contribution for the next 3 years.

That’s a wrap for January! How did you do?

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In 2014 my husband & I downsized our home to speed up our quest for Financial Freedom. We swapped our large three bed house, for a small two bed apartment to clear our mortgage and give us enough budget freedom to travel and still save for the future. Our dream, after achieving Financial Freedom, is to spend part of every year living abroad.

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15 Responses to “Budget Round-Up: January 2014”

  1. Gill says:

    over spent here by a lot due to the terrible cold weather and having to buy “stuff” to stage the house to sell……… month won’t be looking much better either!!

  2. There are always months in which our miscellaneous spending gets away from the plan. I figure that’s life, and as long as I only have rare aberrations (and not a monthly habit) then it’s fine, in the grand scheme of things.

    I’ll be doing our next issue of budget porn next month, but initially it’s looking pretty good (mostly because I had a ‘no spend week’ this week, to make sure it didn’t get worse than it already was.)

  3. Viv says:

    Just released my budget for the bills – have yet to look at the Housekeeping side. It has taken me most of January to research the energy companies and check out places for our savings. I feel a sense of relief now it is almost over.
    A lot of what you have under miscellaneous I incorporate into my Housekeeping budget. I also run a clothes account so I can never overspend on this category. I let it build up usually and then go and buy in outfits.

  4. SarahN says:

    I’m pretty lax on Misc spending so long as all the important things are sufficiently taken care of – mortgage, food, bills. It won’t happen every month, and you probably enjoyed a few of the items!

  5. Laura great job hitting the financial goals!!! ~ Pru

  6. Oi, your misc spending looks like mine :) Your savings are excellent.

  7. Fiona says:

    Yep, my Miscellaneous spending was waaay up too (mostly expenses with the new job – clothes, shoes, hair, cosmetics.) You did great on all the January Financial Goals! I’m tallying up my expenses ready to post tomorrow.

  8. Jenni Tulip says:

    It’s really interesting to see how you plan your budget. Some of the items you class as miscellaneous, I have put in their own categories such as eating out. I haven’t broken down my personal spending (similar to you miscellaneous)but think I will do this month.
    You can read my January budget round up here if you would like to see how we compare here

    Jenni x