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 am armed with my bank statements and a monthly budget spreadsheet and I am ready to rock!*
Ok, so I think we can officially say summer is on it’s way!
This week has mostly been spent smashing through lots of work that had fallen by the wayside last week due to events and days off. I had an event on Monday, which entirely threw me off for the rest of the week. I don’t usually work late on Monday nights, so finishing that shift and realising I still had the whole week to go was fairly depressing.
When the sun reared its head, myself and OH made a beeline for our favourite woodland walk, which is about an hour drive from where we live. The rest of the weekend was spent spring cleaning the apartment in preparation for family visits this week and enjoying having every single window open.
It’s been a pretty expensive week overall, as I’ve done a bit of clothes shopping and spent quite a bit on my little brother for his birthday.
Weekly Spending Review – The Breakdown:
Bills: £0 – This is my one quiet week in the month for bills, this week will see the majority of my big payments go out. I wish every company just collected bills on the 1st of every month, I like things to be TIDY!
Groceries: £97.71 – This is much higher than usual for me, I did a small midweek shop as I was home most of last week and had time to get extravagant with my cooking. I’ve also got family visiting this week and it’s my little brothers birthday (aka. the Wee Man), so I’ve bought in a terrifying amount of food to cook up a storm for the occasion!
I’ll not spend much more this week on groceries as this will see us through until the weekend when I fly home for a few days (can’t sit still, me!)
Expenses/Car Expenses: £48.74 – I finally filled up my car this week! We took a drive to a park about an hour from our house to enjoy the glorious weather over the weekend, if it hadn’t been for that, I probably could have run on fumes for another few days. I mean, it wouldn’t exactly have been the most sensible thing to do but I live life on the edge…
Lunch: £8 –Just one day in the office this week has kept things cheap and cheerful for my lunches! I bought a couple of coffees for myself and a colleague and a delicious kale and sweet potato salad. When I work from home, I tend to just nibble constantly all day rather than having a proper lunch.
When I first started in my current job and was able to work from home regularly, I found myself spending a lot of time sitting in coffee shops and cafes, because that what people do, isn’t it? They work from coffee shops! I’ve had to give myself a bit of a kick up the arse and get out of this habit. Now, I will only work from a coffee shop if I have meetings set up or if I have a good reason (roadworks taking place directly outside my window was my most recent excuse!)
Entertainment: £200 – This one was a bit of a difficult one to categorise, it’s technically a birthday gift for the Wee Man (we are going indoor skydiving, y’all!), but I have bought a family pass which will cover all of us. I figured that since I’m involved, it’s an entertainment cost! Aside from this, I’ve not spent much, OH has paid for all ice cream related expenses. When I think of it, I haven’t actually done anything apart from go for walks and to the beach! After having my friend visiting the week before and my family here this week, I felt like I could do with the quiet week in between.
Clothes: £93 – I have finally replaced the jeans I ripped almost 2 months ago! These are my absolute wardrobe staple, I live in skinny jeans, I wear them pretty much every day but these can be hard to find in my size, so when I saw them in stock online, I snapped them up.They are generally decent quality and seem to keep their shape even after many vigorous washes!
I was also a little bit sneaky and picked up a new maxi dress since I was feeling summery. I realised when we were getting ready to go out over the weekend that I have discarded all of my maxi skirts/dresses from the past few summers, and I had nothing to wear! I didn’t feel too bad here as I was replacing old clothes rather than just adding more.
To be Returned on Expenses: £48.74
Actual Spends: £398.71
So this isn’t great…
I have written a post only days ago about how I am a reformed spender, then I go and drop £400 in a matter of days?!
Obviously the majority of this has been spent in anticipation of the family visiting, and I do tend to overspend on the Wee Man. There’s an almost 20 year age difference between me and my youngest brother though and I just can’t stop myself from spoiling him! I don’t tend to buy him “things” though, I generally lean more towards experiences.
The world he is growing up in is a very different place than the one I grew up in.
*Queue the “back in my day” speil*
When I was his age, I used to earn money, I helped out on local farms picking potatoes and vegetables and looking after the chickens, this money paid for my school meals during the week. When I look at him now, I can’t even imagine him having to do this. Of course, lots of my friends were doing the same thing, although for most of them, it was a bit of pocket money and while they would stop at the shop on the way home for sweets, I’d be holding on to my coins for dear life.
While I don’t ever want him to grow up as a spoilt child, I don’t really have any fears of this happening. My parents wouldn’t exactly be the best with money, so I have taken it upon myself to teach him.
In an ideal world, I hope he grows up with the same attitude towards money that I have got, but without the hardship that I had to endure in order to define that attitude.
Although I don’t have any kids of my own yet, I do often think about how difficult it must be to balance how much you spend on them. Where is the line between treating and spoiling? Sometimes I think I would be the strictest Mam around, and other times I think I’d be a complete pushover!