Money Diaries: June 4th – 10th - Money Diaries June 10th

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)


So, a week has passed and I am now just about getting over the “fish incident” from last week, the nightmares have subsided and I think I’m safe from PTSD.


The past week has been a well needed “quiet one.” This was mostly due to work being incredibly busy, but also I just felt like I needed some Me Time, after a pretty crazy few weeks.


That Me Time also included celebrating OH’s birthday! We went to a gig at the weekend (Travis, playing The Man Who album in full! My review: A*) and went out for dinner beforehand. These are a band I grew up listening to, my Mam was a fan and I remember listening to their cassettes in the car on the way to school. Somehow, in the thousands of gigs and festivals I have worked on, I had managed to make it until now without seeing them! Just a good as I expected ❤


Of course, about two weeks after spending £100 on tickets, I found out that a good friend of mine is working on the tour and I actually could have gotten in for free anyway. Typical!


We’re actually trying to cut back on going out for dinner and drinks this month, especially midweek. We have so much to pay out, mostly on the car, over the next 2 months that we really need to curb our spending. So this may be our last extravagance for a while.


And on that note…


Weekly Spending Review – The Breakdown:

Bills: £86 – Just my gas and electricity to pay this week. The dreaded water bill has also arrived, as predicted. It seems a little bit high but hopefully it will even itself out on the next installment. I’ll probably wait until payday to pay that one…Reluctantly.


Groceries: £27.97 – As OH’s birthday fell midweek, we celebrated with a nice home cooked dinner and some wine. I had bought him tickets for the gig a couple of months ago as his gift so I didn’t spend anything more on a present, just cooked up lots of his favourite food and got some wine in. We had leftovers for daysss!


Expenses/Car Expenses: £123.94 – I finally picked us up a Henry Hoover for our office and it’s made me much happier than any cleaning appliance should! I ended up spending a full 2 hours blitzing through the office on Monday morning, procrastination at its finest!


Lunch: £26.87 – This was a pretty expensive week for lunches compared to most. I worked long hours though and was often having a late lunch/early dinner at my desk. I often skip lunch and just have snacks, as I can get so engrossed in something I’m working on I don’t notice the time pass! This week, I did not let that happen…and I only brought lunch from home one day, oops!


Entertainment: £9.50 – So it seems like I must have had the most boring week ever, but as I said, I really needed it! This was a cocktail and a beer at the end of a monster walk with OH on Saturday. We did go out for dinner before our gig at the weekend too, but OH paid for that and our drinks in the venue, because my bag was too small to fit my purse in so I just left it at home! Women problems…

The rest of my entertainment for the week mostly just revolved around food, which I’m totally cool with.


Clothes: £0

Toiletries/Beauty: £0

Takeaways: £0

Travel: £13.77 – This was our Ubers to and home from the gig at the weekend, and also the fee for a toll bridge I crossed. I have mentioned this toll bridge before…I have an ongoing battle with this particular toll bridge…

Anyway, long story short, I’ve only gone and gotten myself another p*ssing fine, haven’t I! That will be (begrudgingly) included in my Money Diaries next week. Bloody fuming.

Gifts/Charity: £0


Misc: £7.99 – Sometimes I like to kid myself into thinking I’m going to get fit. Most recently was just last month, when I downloaded a free trial of the premium My Fitness Pal. I dutifully tracked every bite I ate and forced myself to do some exercise…for all of about 4 hours, then immediately forgot about it. It renewed for £7.99 this month as I didn’t cancel in time…I always forget to cancel my free trials!


Total: £296.04

To be Returned on Expenses: £123.94

Actual Spends: £172.10


This definitely wasn’t the worst week. I’ve been expecting a nasty shock looking at my totals for the week, but I think I am just so aware of how much money I have yet to spend this month, that I feel like I am just scattering money in every direction 24 hours a day!


This week has been an expensive one already, after my car service, car insurance payment for the year, toll bridge fines (grr!) and it is only going to get worse unfortunately.


On the plus side, I did manage to pay for my car insurance on my new AMEX card, which has brought me just shy of the £2000 spend needed to get my Welcome Bonus.


I’ve been getting myself in a bit of a panic over how much the insurance might be on our new car, and whether we can even afford to pay for it all upfront. I’d really rather not have to add it to our monthly outgoings.


I’m now thinking I might pay upfront and put the full amount on my 0% credit card. I’ve got another 8 months interest free on that card, so more than enough time to clear it, I’d be planning on paying it all off over around 3 months, or possibly less.


So that’s where I’ll leave you for this week, I am essentially up to my neck in bills and can’t wait to have a gin at the end of the month!


(Any advice on the car insurance front is more than welcome!) - Money Diaries Week 20 June10th - Inspired by Refinery29


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