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 long term 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.
So what I have gone and cleverly done this week, is willingly pay someone £800 to butcher my mouth and essentially remove my ability to eat solid foods just a week before Christmas. Who does that?!
Most of the week has been spent lying up popping painkillers like Smarties. I did manage to get my Christmas decorations up but it was very much forced fun, when I would have much rathered just continue lying down and munching painkillers.
Of course, as is my life, my dentist trip turned out to not just be a straightforward extraction. The tooth I was saying goodbye to actually had a root wrapped around the root of the tooth next to it. This made it a super painful, super long and super difficult experience!
In fact, it was so bad that I couldn’t carry on with the rest of the dental work planned for that day. I had to return the next morning to have a crown fitted. This was 4 days ago and had it been a standard extraction I should be now functioning like a normal human. However, I’m looking at probably another couple of weeks of agony before things start looking up.
OH tried his best to make me feel better, bless him, with festive hot chocolates and an array of the softest foods he could find in Tescos. (I don’t recommend this unless absolutely necessary. A Christmas buffet is not the same when it features the random mixture of soup, risotto, mashed potatoes, Philadelphia and chocolate mousse)
Weekly Spending Review – The Breakdown:
Bills: £253.74 – I made my final Council Tax payment of this tax year, so I have no more to pay until April yay! I’ve also paid for our contents insurance upfront for the year. Because we live in an apartment, our building insurance is included in the £60 service charge I pay per month, so I only need to source contents insurance individually.
If anyone is particularly interested, contents insurance came to £91.65 and I also used Quidco where I’ve got £18 cashback on this purchase.
Groceries: £2.90 – Turns out, it’s really cheap to feed yourself when you can’t actually eat anything. At the beginning of the week, we were still living off my batch cooked freezer meals from a couple of weeks ago. From Wednesday onwards, it was exclusively porridge for me!
Expenses/Car Expenses: £0 – Having a couple of days off work has made a world of difference on my spending! I have, however, forgotten to pay my one toll bridge crossing, which I’ve just noticed as I was totalling up my spends for this post.
I could kick myself!
The toll company website is potentially the worst thing in the world (no exaggerating, seriously, the actual worst) and it’s impossible to tell if you have got outstanding crossings or credit on your account. I’m really really really hoping that there was enough credit on my account to cover it so I don’t get a hefty fine over Christmas.
Lunch: £2.50 – This was a takeaway soup I optimistically ordered just an hour or two after my dentist visit. While my face was still entirely numb and full of anesthetic, we went for a nice walk along the promenade near my house. It was freakin’ freezing, but one of those really lovely fresh days. I quickly realised the extremity of my tooth wound and abandoned the soup.
Entertainment: £0 – I am in no way proud of having two £0 Entertainment spends in a row in December. Generally, having a zero anywhere is a good thing, but this is just a reminder of how dull and ill i have been this year. Crossing every finger & toe that I am well enough by January to make up for this during my extended Christmas holidays!
Clothes: £0 – I have done some serious window shopping online and even added several things to shopping bags, but so far, I’ve managed to steer away from the checkout! It’s very hard not to spend silly money online when you’re bored out of your mind lying round at home for days on end.
Health/Toiletries/Beauty: £663 – I thought it would be a great idea to book myself in for my Christmas waxing session while I was off work anyway for my dentist trip.
Guys, essentially what I did, was I planned a complete day full of pain and torture at the most wonderful time of the year. I am over the moon though, after 2 years of visiting this salon, I have finally built up enough rewards points for a free head-to-toe wax!
In one breath, she both asked me to lift my boob out of the way of my underarm wax and informed me that she is moving back to Hong Kong. I am genuinely devastated and I can’t decided which one upset me more. She is the best waxer I have ever had and my boobs are saggy!
My salon don’t generally accept tips, but I insisted that she take £20 (the owner was there, she is sensible, I didn’t get her in any trouble!)
Travel: £0 – Although I wasn’t able to drive after munching all the painkillers, I had OH off work at the same time as me to act as chauffeur
Gifts/Charity: £100.13 – I’ve bought some really ace gifts this week! I’m pretty pleased with myself really!
I came across this book written by Henry Patterson, a 14 year old entrepreneur who wrote his first book aged 9, and picked up a copy for my little brother and my godson, in a vague attempt to encourage them to show an interest in their finances.
I also picked up a nice Leatherman for OH, as he has been after one for ages and his old multi tool has definitely seen better days and he gets loads of use out of it.
To be Returned on Expenses: £0
My second week breaking the £1k mark. Not something I’m pleased with!
However, as much as my dentist bill is annoying me, I do have sinking funds for this exact reason.
I’ve got just under £1000 set aside for health related outgoings and with the smaller bits of work I’ve been having done recently, I’ve managed to keep this intact and just paid for those appointments out of my usual monthly budget.
This bill is a different story though, and I will probably have to pull £4-500 from my savings to cover it.
I’ve been half expecting to be getting a bonus from work this month, however, nothing has been mentioned yet! Myself and a colleague emailed our manager yesterday to ask about it so fingers crossed…if that comes in, I’ll be able to use some of it to pay off the dentist bill and top up my savings before the end of the year.
There’s just one more Money Diaries post to come before Christmas, how has this year gone so quickly?! Despite promising myself I would be super organised this year, I still haven’t finished all my shopping. How is everyone else doing? I think I have mostly just got some gift vouchers to pick up and a couple of charity donations to make. Slowly getting there!
This week, I’ve been reading…
Like Kay, I applaud anyone who has managed to reach FI at a young age, however, also like Kay, I know that I personally won’t be hitting the big bucks any time soon. And that’s ok! I do me and you do you, Kays story is an inspiration as it rings true for so many young people feeling stuck in their careers. I’ve seen my “dream job” turn into a nightmare and experienced the stress it can cause and it really, really isn’t worth it!