NO MORE SPENDING
05. 10. 2014

My one financial goal for October is to track my spending!

Monday
– £42.48 Grocery (Sainsbury’s)
– £14.39 Grocery (Lidl)

Tuesday
– No spend day

Wednesday
– £7.49 Storage
– £52.91 Shelving + Fixings

Thursday
– £5.80 Eating Out

Friday
– £5.85 Grocery

Saturday
– No spend day

Sunday
– No spend day

A little freezer replenishing on Monday – which reminds me I need to do an inventory – followed by a no spend day on Tuesday. Wednesday I bought (and then installed) shelving in our laundry cupboard. It’s not Pinterest worthy, but it is functional – the main thing!

Tracking my spending has resulted in three no spend days – woo!!

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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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01. 10. 2014

As we head into the winter months I feel like my current wardrobe needs a little updating/organising/editing?! Some of my items are getting a little past their use by date, and as I plan to make a few purchases in November, it makes sense to do the edit now. I hate clothes shopping, but it’s much easier to do when you know what you need!

I have just under 40 core items at the moment – I haven’t counted them recently – but I’m expecting this to go lower temporarily, as I edit things out over the coming weeks.

First up we have 4 striped tops – I do love a striped top!

Striped tops

Clockwise starting top left:

1. Gap Long Sleeved T.
– Getting bobbly and needs to become a ‘for walks only’ top, although I do still love it!

2. Next 3/4 Sleeve (Thin Knit)
– I’ve had this top for years, but I don’t wear it too often and it still in a great condition. Stays.

3. Banana Republic Glitter Trim T
– Love it! My favourite purchase of 2014. Stays.

4. Next 3/4 Sleeve T
– Years old and tatty! Needs to get recycled.

I’m not sure if a 50% reduction is a good start of not! Anyway, I’ll keep going. Back with Part Two very soon.

Are you editing your wardrobe before the Winter? 

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