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!*
Not just one day late, but TWO days late with this weeks Money Diaries!
I’m currently on my holidays and have had a wonderful 5 days (mostly) internet and phone free. My intentions had been to get an hour or so of work in each morning but once I arrived at our beautiful little cottage by the beach, my mind was changed almost immediately. I’ve really enjoyed getting offline and just being able to forget about work for a few days.
Anyway, if you remember from last week, I have been holidaying with OH and his family for a few days in South Wales to celebrate basically every occasion one can celebrate (several big birthdays and an engagement!) The beaches are beautiful, the walking routes are never ending, and there are plenty of pub stops along the way. Just how I like it! And although I know we are a little bit early in the year and are still out of “holiday season”, I’m still really shocked by how quiet everything is. We have more or less had the beaches to ourselves.
OH has been pretty great this week and has picked up the tab for most of our expenses, I think he feels bad having “dragged” me on a family holiday, but I’ve really enjoyed myself! There is, however, a good chance this will mean that come the end of the month, I’m picking up more while he awaits payday!
Weekly Spending Review: The Breakdown:
Bills: £12.50 – An extra payment to our gas & electricity supplier, as they somehow managed to take the payment short this month.
Groceries: £0 – I did a big enough shop last weekend to make sure we were stocked up until we left on Friday. Since I was away for two nights during the week too, I didn’t want to end up having lots of leftover food to throw out. OH has picked up a couple of things, just fresh milk though, and a small loaf of bread, as the one I had hoped to stretch out for a few more days had started to go mouldy 😦
We did stop off on the way to our holiday cottage to pick up some supplies (mostly alcohol and Pringles!), but I have categorised that under Entertainment as it felt more appropriate.
Expenses/Car Expenses: £0 – Nothing this week, although I had a long drive, I was filled up on Diesel from last week. When I was away for the few days with work, my boss was also there, and he paid for all of our meals etc on the company credit card, so none of us needed to bother with expensing it.
Lunch: £17.65 – A quick sandwich and coffee for myself & OH on the drive to Wales, and a ridiculously expensive service station coffee and a banana on my drive to work which cost almost £5. If you’ve been following my Money Diaries for a while now, you will know that I often forget to keep receipts for things like this that I should really be expensing…
Entertainment: £92.17 – Some of this was for a meal out after I came home from travelling with work. I’d had a great couple of days, and made a lot of progress on a new project so just felt like celebrating. Plus, the weather was glorious so we were very easy swayed to hit up a burrito bar nearby with an outdoor terrace!
The rest is for the supplies we bought for the house to share in Wales.
Clothes: £16.79 – Realising I am about to spend a summer travelling across the country and often not having access to laundry facilities, I stocked up on some more underwear! I also picked up a cheap pair of sunglasses as I mine fell off my face as I was packing up the car and a lens popped out. Nightmare! Also made use of that sweet, sweet student discount again to soften the blow.
Toiletries/Beauty: £85.49 – This particular expense is bring up the spends for what has actually not been a terrible week money-wise! It was all on one waxing appointment before going on holidays, and considering I only have to do this every 3 months or so, it’s really not the worst. When I actually think about it, £300 across the year for someone to rip every hair out of your body from head to toe, maybe it’s not such a sensible expense after all!
Travel: £63.32 – This was actually a fill of diesel for the car ahead of driving to Wales, which would usually go under Car Expenses. However, since I won’t be reimbursed from work for this, I’ve added it here instead. Usually, I drive so little for leisure that my mileage allowance more than covers all of my car related outgoings, however, as this weekend will be a 450 mile round trip, I can’t be sure that my expenses will actually cover it!
Gifts/Charity: £0 – We have picked up some gifts and cards for OH’s various family members with birthdays and celebrations going on while we are away (Dads 60th, grandmothers 80th, sisters 30th and other sisters engagement, all happened within one month!) but OH paid for these. He also picked up the bill when we went out to dinner one night as an extended gift for everyone.
Misc: £0 – I think I am definitely getting better at categorising all of my spending and hopefully also am spending less on “bits and pieces” that don’t actually fit in to any category!
To be Returned on Expenses: £0
Actual Spends: £287.92
So this totally isn’t a true reflection of the cost of my holiday and I feel like I’ve cheated a bit promising you a “holiday edition.” Although it’s not been expensive as we’ve mostly been cooking in the cottage and our favourite activity so far has been walking on the many beaches, I’ve realised OH really has paid for pretty much everything since we’ve arrived, right down to our daily ice cream!
My little brother has joined us on holidays too, and a few weeks ago I bought him an indoor skydiving experience for his birthday. On arriving and seeing the Go Ape treetop adventure site, he swiftly decided he would rather do that instead, so it didn’t cost much extra to change the tickets over as it’s all owned by the same company.
This will feature more in next weeks post, but I can’t not talk about it now as it was freakin’ brilliant! I can’t recommend it enough if you ever have the chance to do one. This was on Monday, so is mostly to blame for me not getting this posted on time, after a day of hanging off trees and zip wiring through the forest, I just wasn’t mentally prepared for looking at my laptop.
And here we are, my holidays are almost at an end and I’m preparing to head straight back to work and on to site for an outdoor event for 5 days or so. There really is no rest for the wicked!
This week so far has been fairly inexpensive, but as I’m heading off to work tomorrow, that can go either way, I’ll either manage to spend an absolute fortune, or I’ll not spend another penny…let’s hope it’s the latter 🙂