31. 12. 2014

My goal for December was to get back to budgeting basics after losing track of everything in November…….and I’m happy to report goal achieved. My neglected spending diary (which is a basic excel sheet), was filled in daily, and the results were posted here weekly. Yay! Now if I just keep that up throughout 2015!

Plans for our budget in 2015:

The ‘updated for 2015′ version of our monthly budget can be found here on the Managing Our Budget page of this site. This is the budget we’ll be working to every month, and then I’ll report how we did against it throughout the year.

December Round-Up:


Most of these figures are pretty self-explanatory. We went way over on grocery (again), and I used up all my supermarket points too (!!). Electricity was higher than usual, but we did have family staying for part of the month. The wallpaper I purchased last week was £17.55, not £17 as reported on my spending report. A small difference, but I like things right lol. Also we were due to pay our half-yearly apartment charges, but they were delayed until January.

How did you do to budget in December?

I’ll perhaps be around tomorrow but if I’m not, I’d like to take this opportunity to thank you all for your support this year. In many ways, despite all the good things that have happened, it’s been a tough year for me personally, and I’m looking forward to the fresh start January 1st brings. Having said that I/we have it a lot, lot better than many – Sue puts it a lot better than I ever could in this post – and I feel very, very grateful for that. I wish you health and happiness in 2015 ♥



05. 12. 2014

november budget

I lost track of my spending a little in November, although I did manage to round-up some figures.

Electricity: We spent £43.44 on our energy supply in November which is only slight down (£2.43) on October’s spending. With us being away for ten days, I expected it to be a lot lower.  I know I did a lot of extra washing this month – mattress covers etc – and we also had the heating on a little, so this perhaps explains the cost.

Mobile: I didn’t occur any extra charges despite having my phone on the whole time in the US! Result! Thank you free hotel wi-fi!

Travel: Yay for staying in budget on our trip!

Grocery: Despite hoping to stick to a £180 budget for November I spent between £220 and £230. I was doing ok and then I went shopping last Thursday! I went a little over board as we had guests arriving.

Saving: Thankfully these payments are automatic and went ahead as planned. The amounts are quite low at the moment, but they’re jumping up a lot in January (to build our investments), and so messing up our budget will not be an option in 2015!

Ok that’s it for today, I’m off to do my grocery shopping (with a list that I’m sticking to!) and then I’ll be back Sunday with a spending report. Have a great weekend ♥



photo: Liberty of London window

02. 12. 2014

Hi! The last few days have been a whirlwind of activity and I’ve been away from the Internet since last Wednesday as we had people staying. We did a few local activities but my highlight was a trip into London (on Saturday) to see the Christmas lights. As you can imagine it was extremely busy, but we had a wonderful time! 

Ok on to our budget for December. November’s budget/spending is all over the place and I lost track of everything. I’m ok using a cash budget at normal times, but when we have a lot going on (activities, holiday gift buying etc) everything seems to get in a mess. In hindsight I should have used a card for tracking purposes, but it’s too late now….so December will be a back to budgeting basics for me. Daily tracking, weekly spending reports and then a monthly budget round-up!

December Budget:

december budget


Mobile: I reduced the cost of my mobile plan from £15 a month to £10. I stayed with a SIM only plan (on an iPhone 4s), but reduced the data allowance to save £5 a month.

Grocery: I’ve increased the budget as we have a lot of visitors over the Holiday period.

Ground Rent & Maintenance: The biannual charge for our apartment building.

Ok I think that’s it for the last budget of the year. December’s goal: Track everything and stay withing budget limits!


About Laura: 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 (< 700 sq ft), two bed apartment to clear our mortgage and give us enough budget freedom to travel and still save for the future.