Money Diaries: April 2nd – 8th - Money diaries April 8th

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!*

(*Input data)


Here we are again, the weeks really do just fly by, don’t they?!


This has been a pretty busy week for me both with work and socialising. My working week was chock-full of meetings, so despite being a four day week, has felt so looong.


Myself & OH have been to a cracking gig this week too (Jarvis Cocker, if you are interested!) which was in the oddest but best little venue I’ve ever seen. It’s literally a series of 200 year old tunnels, which runs underneath Liverpool and no one know where they go, what the purpose ever was for them or even how long they are/how many are joined along the way.

It’s one of those mysteries that I have been obsessed with since I first heard of it around 10 years ago.


The most common story is that the man who commissioned the tunnels to be built actually had no specific reason for them himself, and simply employed people to keep them in work and earning money. I do hope that’s true, what a lovely idea!


Anyway, a team of volunteers have been excavating the tunnels for years, so it’s definitely an area I’ll be visiting again in the future.


Weekly Spending Review – The Breakdown:

Bills: £29.99 – Just my phone bill and Spotify this week. Myself & OH are currently both paying for Spotify, despite me really not being a fan, I use it for work quite a bit. I’ve been seeing ads for SPotify family, which would save us £5 per month, but haven’t properly looked into this yet, I’m unsure if it works exactly the same as a standard account. Because it’s used mostly for work, I don’t want to mix up playlists or anything!


Groceries: £0 – After a pretty mammoth spend last weekend on food, we were pretty much set for the week. I’ve thrown together a few crock pot meals this week, which always means leftovers for the next day!

I also didn’t do my usual Big Shop yesterday, as I have a friend coming to stay for a couple of days and we’re likely to go out for at least one or two meals.

OH did pick up a few bits and pieces on his way home from work during the week as usual to add to meals, but he actually hasn’t spent anywhere near as much as usual either.


Expenses/Car Expenses: £0 – While it’s been a busy week in work, for once, everyone came to me, rather than me having to travel all over the country! I cannot quite believe my car is still running on a fill from about 3 weeks ago, but I’ll probably need to fill up by this weekend.


Lunch: £10.96 – Pretty good this week, considering how many nice coffees and lunches I have had. I’ve had lots of company director meetings, so they treated me to lunch and expensed lots and lots of coffee! I also had my annual review with work, which obviously involved lots of food and a moderate helping of gin.


Entertainment: £36.75 – Considering how much I’ve been out this week, I’ve done pretty well on the money front! As we had company directors in town, they treated us to dinner and drinks one night, so that was all expenses paid.

With the Jarvis Cocker gig, I got the tickets free and OH paid for drinks on the night, although we only had two each as the bar was actually a bit crap and there wasn’t much of a selection. I mean, it was essentially inside a cave, so I really can’t complain too much! I covered the Uber to and from the venue. So a great night out ended up being pretty cheap overall.


We’ve also been out for dinner & drinks with some friends who have just come home from 2 years in Australia, so that was a well needed catch up! OH picked up the dinner bill and I got a couple of rounds of drinks in.

Aside from this, other entertainment has mostly included going for a nice walk and scrubbing my apartment from top to bottom (very exciting!) Since the weather seems to be picking up a bit, we’ve been making the most of it and heading out on adventures.


Clothes: £0


Toiletries: £0


Takeaways: £0


Travel: £11.08 – Just covers several Ubers to and from the gig, and home from drinks with friends at the weekend. We walked to town that evening as the weather was quite nice, but after one too many drinks, at 1am there was no chance I was walking anywhere!


Misc: £23.99 – I picked up a decent Hard Shell Case for OH’s new laptop, as he also travels with work a fair bit and I don’t trust him (or I should say, I don’t trust the people he works with!) not to break his shiney new laptop. We usually pick this kind of thing up on Amazon, as I have a student Prime membership, so we try to make the most of it! Amazon offers this for free for 6 months, then it’s half price after that. Also, when I registered, I already had a standard Prime membership (after forgetting to cancel after the free trial, standard!) but found out that they would refund my annual fee pro-rata. Bonus!


Total: £112.77


Well, if only all weeks could look like this!


I feel like I’m off to a cracking start with this week, since I’ve just bought my lunch for £1.85. Seriously! I have meetings today in a university and I always forget how cheap the food is here!


However, with a friend coming to visit from home this evening, I can already see this going downhill very quickly. She has visited plenty of times in the past though, and is so over all of the tourist attractions, so more than likely, my food and drinks spend will be the only thing to take a hit directly from her visit. She’s also just had an offer accepted on her first house, so will probably be wanting to keep things reasonably cheap herself.


I’ve noticed I’m running low on some toiletries too at the minute, but I’m so reluctant to allow myself to top up as makeup and beauty products are my absolute downfall, I just can’t walk past all the shiny displays! We’ll see how that one turns out…

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