NO MORE SPENDING
30. 10. 2014

Where the money went in October:

october budget

Notes on fixed expenses:
– The monthly council tax payment (£134) is higher than it will be for 2015 as we’re playing catch up after just moving in.
– The water bill has gone up from the original estimated £23 a month to £29.71 a month

Notes on other expenses:
– Grocery spending was higher as we had extra visitors and overnight guests
– Electricity was down slightly on September – woop!
– I had a planned visit to the Dental Hygienist. Worth the money!
– Clothing was a new suit for M and two new items for me – black flats and a top
– House spending was shelving for the laundry room and a small blender (to make smoothies)
– Eating out was high as we spent a lot of time away from home
– Fuel makes an appearance (and will do so every month now due to work changes)
– Haircut (+tip) £38.60 My regular appointment – I go every ten weeks

All in all not too bad a month. We had a lot of unplanned expenses this month, outside of the numbers above, and having a cash emergency fund made things (financially) a lot easier. Thankfully. (Re) Funding our ef will be our financial priority for the next couple of months.

How did your October go? Did you stick to budget?

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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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