Throughout 2018, I will be tracking every last penny I spend, and sharing it here weekly. I’m a (late) twenty-something lady, living in the North of England with my Other Half, commonly referred to as OH. I travel regularly for work, and often spend more time on the motorway than in my own home, which can often account for my fluctuating Car Expenses and entirely random Grocery costs! By the end of the year, I’m hoping to have a better overview of where my money goes to each month, and have a realistic retirement savings plan in place (as well as the many other savings plans I have in my head, but you can read more about that here). You can also read the full series (so far) of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements, a weekly budget worksheet and a monthly budget worksheet and I am ready to rock!*!
Seriously, I can’t believe I’m writing my third Money Diary already. This year is disappearing before my very eyes. It feels like yesterday I sat down with my spreadsheet and decided to track all of my spending, now, 6 weeks in, I’m really beginning to get a better picture of where my money actually goes.
In fact, I’m so obsessed with it, that I’ve even persuaded OH to have a go! I can’t promise he will be anywhere near a dedicated as me, but I’m hoping seeing his spending will help me work out or overall financial situation. One of my biggest problems was that I was never sure how to create a budget, simply because I have no idea how much OH spends on things like groceries, compared to me.
The past week has been very…average, I would say. OH splurged and bought a new portable bluetooth speaker, so i enjoyed that with him for a little while and resisted treating myself too!
Bills: £30.49 – A quiet one this week for bills, just my phone payment…and it all kicks off again next week. Never ending!
Groceries: £79.59 – As expected last week, after doing my weekly shop a day later than usual, it moved the cost over into this week. Oh well, it looked like I basically ate nothing last week, making up for it now though! This covers my big shop on Monday, plus a few bits I picked up over the weekend. I’m traveling with work Wednesday-Friday this week, so didn’t bother with a full grocery shop. OH will fend for himself while I’m gone.
Expenses/Car Expenses: £48.28 – Nothing too big in here, a fill of diesel and one small meal while travelling for meetings during the week.
Lunch: £3.20 – An absolute success of a week here! And I spent 3 days in my office with a delish cafe just downstairs! This was just one sneaky hot chocolate on Tuesday, which, was basically the COLDEST day there has ever been, so totally deserved.
Entertainment: £41.54 – Myself and OH went out for dinner one evening this week, but he paid. This covers a few post work drinks with friends and a sneaky curry in our favourite Indian joint!
Clothes: £0 – Yeah, still just walking around hoping the crotch doesn’t fall out of my jeans. Sometimes, I LOVE shopping, but when I actually genuinely need something, it’s such a bloody chore!
Takeaways: £0 – Yessss!
Misc: £26.18 – Includes lottery tickets over the month, a book for a friend, and a few car parking fees which were only £1 or £2 each and just not worth the hassle of claiming back on my work expenses!
To be Returned on Expenses: £48.28
Actual Spends: £181
Yeah…I’m happy enough with this. Pretty much £60 of my grocery bill was missing from last week, so I can deal with this. I know I could have chosen to save money rather than go out to eat, drink and be merry with friends, but I’m not in the business of depriving myself. I firmly believe I can enjoy myself, live life to the full, and still make wise financial choices. To me, that is the definition of financial freedom!
Yes, I may have some debts, but I am in control of them, they are not in control of me.