NO MORE SPENDING
03. 10. 2014

Wow! Three months since my last budget round-up……I think it’s (definitely) time to get back on the personal finance horse!

MONTHLY BUDGET

Where the money went in spendy September!

september budget

Notes on fixed expenses:
– The monthly council tax payment is higher than it will be for 2015 as we’re playing catch up after just moving in.

– The water cost was an estimate by the water company, and will be going up to £29 in October. Our first 69 days of living here cost us £0.9236 a day. We paid an average of £36 a month in our old house (non water meter) and so it’s cheaper here (but not that much!). We’ll obviously try to lower our usage a little, but it’s hard to see where we can make savings, as we’re already doing a lot of the normal reduction stuff.

Notes on other expenses:
- Grocery £299.40 + Eating Out £119.52 Wow! A lot of this over spend was caused because both of my parents had health issues. Being away from home so much blew the budget unfortunately.

Electricity £47.64 Not too bad!

- Dentist & Eye care £393.50 A dental check up for both me and M + new glasses (x 2) for me. I knew that my eyesight had deteriorated this year, and the optician confirmed it. New bifocals + sunglasses ( that I’ll be wearing EVERY time I’m outside! Protect your eyes people!)

- Travel £199.61 Train & Football tickets

- Household Items £57.21 I purchased a guest towel for the bathroom (£6), some dust sheets (£5.99), Brita filters (£32.00) and some stainless steel measuring spoons & cups (£13.22)

- Clothing £25.99 A pair of Black Jeans

Moving on!!

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30. 09. 2014

Hi guys, here’s our budget for October:

October Budget

A few notes on ‘Other Expenses’ –

Electricity: We paid £47.64 for electricity in September and I’m hoping for pretty much the same in October.

Grocery: £220 seems like the ‘right’ amount for us, although I would like to reduce this if possible.

Travel: This is to buy US Dollars for our November trip.

Hygienist: Getting my teeth cleaned etc!

Miscellaneous: This is to cover a haircut, concert parking (John Legend), a meal out with my in laws and anything else that may come along.

Clothing: M needs a new suit for work after ripping his old one beyond repair. Hopefully it’ll be less expensive than this, but I’m putting the money in our budget just in case.

October Financial Goal:

Just one goal this month: Track all our spending!

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26. 08. 2014

July and August have been very expensive months – we moved home and booked a big holiday for 2015 – and so we must get back to our regular budgeting ways in September.

I haven’t quite got a handle on our new expenses, but this is what I think they will look like.

Fixed Expenses & Cash Envelopes:

fixed expenses

Our Council Tax payment is higher than usual because of the way they take the payments. I’m also estimating the electricity cost. The first 4 weeks in our new place cost us £40, but I wasn’t using a washing machine for some of that time.

Further expenses (from sinking funds):

Financial Goals for September:

I think that’s it for our September budget, all we have to do now is stick to it!

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