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 of my money diaries here. I’ve built myself a personal money tracker spreadsheet, I am armed with my bank statements and I am ready to rock!*
This week has been a pretty short one by all accounts, I had a couple of days off work at the beginning of the week to make up for having worked all of last weekend on a bloody ferry.
Unfortunately, this gave the time to go shopping! I’ve been pretty well behaved really, and considering I took the flu a couple of days later, that’s meant I’ve not spent anything at all for a few days, while I’ve been lying on my sofa feeling sorry for myself and taking care of far more chocolate than any one person should consume.
I’ve also had my Dad and brother visiting for one night only. They are both massive football fans and “visit” quite often to go to matches at the stadium near my house. I use the term “visit” loosely, as most of my quality time with them tends to take place in the car while I’m acting as their taxi driver doing airport and stadium runs!
Weekly Spending Review – The Breakdown:
Bills: £39.99 – Most of my bigger monthly bill were covered at the beginning of the month, so just my phone, Spotify and our Lottery ticket payment coming out this week. I know I probably shouldn’t be counting my lotto tickets as bills, but myself & OH split the cost and it’s a bit easier for me to add it into this category for our end of month breakdown on who owes who what!
Groceries: £25.60 – Thanks to my Dad bringing a few of my favourite foods from home and both myself & OH coming down with a flu and just being too ill to cook, we’ve managed to both save a bit of money and eat a disturbing amount of beans on toast for several meals a day.
Expenses/Car Expenses: £81.48 – No working expenses this week, just a fill of diesel for the car and a full valet. I’ve been meaning to get a proper clean down for ages and I was basically getting to the stage where I can no longer see through my wing mirrors..so yeah, that was pretty necessary. Unfortunately, as I live in an apartment, it’s not so easy for me to do a quick car wash at home myself as we have no access to running water outside or electricity to plug in a hoover. And who am I kidding, I will always pay for a valet, I could never get it that clean myself!
Lunch: £7.60 – This was a day off/shopping related expense, it’s hungry work browsing stores for things you can’t afford, you know!
Entertainment: £27.84 – This just covers a lunch out with my Dad & brother. I always like to treat my parents when they visit, but they still put up a fuss despite me being almost 30. I have to do it sneakily e.g. this time, I happened to know the waiter, so he sorted out our bill in advance so it never even made it to our table.
Clothes: £38.80 – This is actually a bit of a win, I still needed to replace my jeans from a few weeks ago, so managed to pick those up, but was also returning a couple of sweaters I’d bought in the January sales. Unfortunately, one made me resemble the Michelin Man a little too closely, and the other, despite being the correct size, fitted like a circus tent. So for £38.80, I ended up getting my jeans and a new dress AND making use of my new student discount card. Feeling good guys, feeling good!
Toiletries: £19.89 – A couple of bits I’d forgotten when stocking up a few weeks ago. SOme new facial exfoliator and a couple of lip balms. I think the weather has been playing havoc with my skin, and am also blaming a new heating unit in work which seems to just dry me out. All of me! My hair, my skin, my lips they’re all suffering!
Takeaways: £0 – Despite being too ill to cook, we were also too ill to eat takeaways. Small victory!
Travel: £0 – It costs nothing for the return journey from bed to sofa.
Misc: £30.05 – I picked up a baby blanket as part of a gift for a colleague who is pregnant. She lives quite far away, so since she announced her pregnancy before Christmas, I’ve been slowly picking up little gifts. I don’t see her very often, but when she travels anywhere near me, she stays with me. I’ve been buying all of her baby gifts to match my spare room, my little way of letting her know she is still welcome with baba!
To be Returned on Expenses: £81.48
Actual Spends: £189.77
I mean, it’s not been the best week, but also not the worst. A lot of my outgoings were actually my friends gift and my lunch with Dad & brother. Obviously these aren’t things that happen all the time, so I really don’t mind spending on other people.
To save confusion, I have got two brothers – the oldest is 4 years younger than me and the youngest is my wee half-brother, he’s 9. Both visit regularly for football, but it’s Wee Bro who was with me this week.
I also owe other Bro some money too, as he took our Mam out for a Mother’s Day Lunch on Sunday and I said I would pay for her meal and half the flowers and wine he brought her as a gift. I’ve not counted this into this weeks spending, as I haven’t actually parted with the cash yet, and I also don’t know how much I owe him yet. So that will probably be included in this week or next week. Or, you know, never, since I’ve spent the last 30 years buying the presents and getting a last minute “Can you stick my name on your card?” message!
Older siblings, you all get me.
How have you been getting on with your budgets? I’m looking at my financial goals for the year and thinking I may need to reassess these…