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 a monthly budget spreadsheet and I am ready to rock!*
Here we are again, I feel like I wouldn’t even notice the weeks passing if I didn’t seem to be always writing a Money Diary post!
This week has been a bit calmer than last week, lots of nice walks, since the weather has finally started to take a turn for the better. I’ve spent most of my weekend being super lazy and drinking gin cocktails in the garden. I mean, it’s not exactly warm yet, but it’s dry, and that’s pretty much the best us poor Brits can hope for.
Sidenote: This Copeland Raspberry and Mint Gin is currently my life!
The most productive thing I’ve done this week is give a gift to a friend which I bought for her 30th birthday. In September. She then found out she was pregnant in November, so I bought her a gift for that too. Then I bought her a Christmas gift. Essentially, she came to visit and left with a gift for every occasion one person can encounter in a year!
If you are all out there thinking I’m the worst friend ever, she also gave me my birthday and Christmas present. My birthday was also in September. It’s just how we roll.
A well stocked drinks cabinet has made this a fairly inexpensive week overall, but I did buy a birthday gift for OH which racked up my total spends significantly. I like to think of it as saving my future self money.
That flies, right?
Weekly Spending Review – The Breakdown:
Bills: £14.16 – Just a small payment for a loan I took out to cover some of the payment for my new boiler in December. It’s spread over 5 years, and it’s actually just a bit annoying having to even write it down for such a small amount each month.
The plans are to pay it off in full in a year or two, but we have yet to look into what charges that may incur (if any) so it might just not be worth it.
Groceries: £30.68 – I’m not sure how I lucked out so much in this area this week, I’ve been home for most of it so OH must have spent a significant amount more than me because I have eaten so much he actually asked me on Thursday if I might be pregnant. I’m not. I just really like food.
Expenses/Car Expenses: £0 – Another quiet week in work with not much travelling. I had a few meetings but didn’t travel any more than around 40 miles from home so there were no overnight trips, and no diesel fill ups required. I had one event this week too, but again, it was local to home.
This has been a super cheap month for my car! Although I am getting excited about savings in the category that matters least, as this all gets paid back to me anyway. My boss will be happy, I suppose!
Lunch: £21.40 – This is probably about average, not too bad really, as I also replenished what I refer to as my “car munchies”…basically, the breakfast bars/bottled water/snacks I get through while driving.
My favourite cafe by my office has also just changed up their menu, and I had the MOST delicious cajun halloumi fries from here one day. If you haven’t tried halloumi fries yet, stop everything and rectify that immediately.
Entertainment: £145.34 – I’ve bought some gig tickets for myself & OH as his birthday treat, the show isn’t until June, but it’s just a few days after his birthday so worked out quite well. We’ve also been out for dinner one evening last week, our favourite tapas restaurant closed a couple of months ago and has reopened as a pizza bar, so we felt obliged to try it. 10/10, will go again.
Clothes: £0 – Been dead proud of myself again this week, as I’ve began an online shopping splurge several times, filled up my cart, and rather than checking out, I just closed my laptop! This is unheard of.
Toiletries: £0 – This is another area I’m pretty pleased with myself recently, I have definitely got what can only be described as an addiction to beauty products. I’ve been really conscious of not buying more until I’ve used up what I already have, I have a bad habit of stockpiling unnecessarily. Worst thing is, I don’t even wear a lot of makeup very often!
Takeaways: £0 – When I spend more time at home than travelling, I don’t tend to eat may takeaways as I really enjoy cooking, so when I have the chance, I get stuck in! I’ve been pretty good at stretching meals this week too, I always cook too much, I find it so difficult to cook for just two people and my portions go out the window.
So even though it gets a bit boring, we have been actually using up our leftovers, rather than banishing them to the freezer to die and ultimately get trashed. Maybe this explains my lower-than-usual grocery spend?
Travel: £0 – I rarely spend much on travel due to all of my car expenses being covered by work. I live close to lots of bars and restaurants so if I go for a night out, there are no taxis involved. This tends to shoot up when I visit my family in Ireland, as everything is so far from everything else compared to in England, and I don’t normally have access to a car there either.
Misc: £39.96 – OH upgraded his cell phone this week, and changed brands totally (he’s gone from iPhone to Google Pixel, if anyone is interested, I’m not particularly.) But this means that none of the many charger cables or phone cases we currently have lying around the house are suitable.
We picked him up a couple of extra chargers and a case on Amazon. We always use my account to order from Amazon, as I was the idiot who didn’t cancel my Prime trial within the free month so have paid for that up until November.
This hasn’t been a bad week really, the biggest splurge was the gig tickets for OH’s birthday, but that’s sorted now and I don’t have to wrack my brains over what to get him when the time rolls around. Plus, as I say, I’ve saved my future self some money!
I think I’m getting in to the swing of my spending pattern now, and I’ve realised that without really thinking about it, I do tend to spend the same amounts within particular categories.
I almost feel like I might actually be a bit responsible..? Surely not! Am I a legitimate adult now?