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I’ve only set three financial goals for 2015. One of them is technically a two-year goal, as you can see, but it’s still something we’re very much working towards in 2015, and so I’ve included it.
1. The sum of invested assets at 25% of goal by December 2016. Achieving this goal requires a minimum net income savings rate of 50% for the next two years.
2. Spend no more than £2,520 on grocery & household in 2015. Me versus the grocery budget…again!
3. Track every penny spent in 2015. I’m fairly good at tracking our spending, but I’m not sure that I’ve ever kept a full record for a whole year.
That’s it! Nice and simple. Now we just have to achieve them
What financial goals do you have for 2015?
What we’re eating on our simple menu plan this week:
+ Monday: Sausages, New Potatoes & Steamed Broccoli
+ Tuesday: Chicken Curry (freezer leftovers), Rice & Naan
+ Wednesday: Mushroom Omelets, New Potatoes & Salad
+ Thursday: Chicken Taco Bowls (Slow Cooker)
+ Friday: Leftovers ^ on Nachos
+ Saturday: Out for the day
+ Sunday: Pan Fried Fish + Veggies
Breakfasts: Bran flakes, Bagels or Toast. Lunches (for me only): Tuna/Egg Salad or a Smoothie
What’s on your menu this week?
Linking up with I’m an Organizing Junkie
In 2015 my goal is to keep our grocery spending under £2,520 – an average of £210 a month. Our grocery budget includes just about everything household too. The only thing I don’t include are water filters – they get their own budget line. I do most of my grocery shopping at our local supermarket, and then buy household & toiletry items at Wilkinson’s or Savers. I’m lucky to get a 5% discount at my local supermarket, I just have to shop with a gift card. Loading the gift card with £200 at the start of every month costs us £190. I then have £20 cash (rest of my budget) to spend if I need to in the other stores.
Purchased this week:
I popped into another store to get 4 x cans of chopped tomatoes for £2 (hiding under the spinach^) The bagels (10 for £2.50) all get cut in half and then frozen. Hat tip to Sue for that money-saving idea
The pasta was on offer at a £1 – I like to keep one on the fridge as it makes for a quick and simple dinner if time is short. The Quiche also get cut into pieces before freezing as we only eat one half at a meal. The mayo is for my store cupboard as it was on offer for £2 (600g jar).
I also went to Savers and purchased toothpaste (x 5), shampoo and razors. I’m trying to get really organised with my toiletry/household stockpile this year and will be trying to take advantage of the offers this store has.
January Grocery Budget Totals
Spending to date: £154.44/£210.00 – £55.56 left in the budget.
Let me know if you’re interested in seeing screenshots of my stockpile (& price book) spreadsheets. I’ve mentioned them on here before, but I’ve been hesitant to show them as they’re quite specific to the items we purchase.