NO MORE SPENDING
21. 01. 2015

2015 FINANCIAL GOALS

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?

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19. 01. 2015

What we’re eating on our simple menu plan this week:

menu plan monday

+ 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

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17. 01. 2015

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:

Grocery Haul

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 :)

Grocery Haul

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.

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