NO MORE SPENDING
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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12. 08. 2014

Hello! I think it’s safe to say the whole house moving thing caught up with me this weekend and I had to take a little time out. Boy did I feel whacked! Anyway I feel normal again this morning and eager to get on with everything that needs doing around here………mainly house updates and money-saving :)

First up the laundry room cupboard!

One of the first things we did last week was remove the broken washer dryer and replace it with a new one. We’d asked the seller to remove the appliance, but of course he didn’t!

I wasn’t sure about getting a washer dryer, but purchased one just in case we need it during the winter months. I don’t want to use the dryer function if I can help it, so we’ll see how it goes.

laundry room

Before and after (so far)

Over the coming weeks we plan to add shelving above the machine for laundry items (of course) and a mini stockpile – loo rolls, toothpaste etc.

Window handles.

We had two handles to repair. The one pictured below, that fell off when I closed it last week, and another that wasn’t locking correctly. We wanted to fix them pretty quickly as ventilation is so important in such a small place.

window handles
I had no idea you could replace these yourself, but after a little research I realised how easy it was. I bought a two pack of Yale standard handles from Homebase for £13.99 (they may be cheaper elsewhere but it’s the only one store I could walk to) and hey presto, working, locking windows!

Water & Electricity

This apartment comes with a water meter and a pay as you go electricity meter. I’m pleased about the water meter as this should save us money in the long run (they’ve estimated our bill at £23 a month, half the price of our old house), but the electricity will be getting changed as soon as possible as it’s more expensive to pay this way. We can’t get it changed just yet though as they have to see how we run the account first. This is despite us being with this company for about five years (with no problems) previously. One good thing about it is seeing how much electricity (in pounds) you use everyday – it’s slightly obsessive though!

I think that may be it for this slightly random post. I’m off to do a freezer inventory and make a meal plan for the rest of the month as I’ve been slightly slacking in this area!

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21. 07. 2014

I first talked about getting our accounts in order back in May. We had a system, a seemingly organised system, but it wasn’t working out too well. I think by simplifying our accounts, and closing a couple of sinking fund/savings accounts, I’d made things a little more complicated. I’m all about simplifying things, but not if it causes you a problem, so I tweaked things a little.

We now have three saving accounts attached to our checking account (travel, gifts and everything else) and I will be using cash for grocery and miscellaneous spending. Hopefully this new system (+ budget) will work perfectly for us in our new home.

OUR MONTHLY BUDGET:

MONTHLY BUDGET

The spreadsheet shows our planned monthly expenditure + how we save on a month by month basis for annual expenses and travel.

ACCOUNT SET UP:

CHECKING ACCOUNT
TRAVEL FUND
GIFT FUND
EVERYTHING ELSE FUND
EMERGENCY FUND (TAX FREE SAVINGS ACCOUNT)

NOTES:

I think that’s it. Now I’m just hoping the system works.:)