What I spent in 2009

Noselfdiscipline

I kept a spending diary in 2009, heres what came in and out

INCOME
£17,944.27 - Pay
£294.45 - Overtime
£1,130.76 - Amazon Marketplace
£1,751.64 - Ebay
£153.80 - Lotto Wins
£120 - Vouchers
£75 - Birthday money
£161.30 - Other
£112.41 - Share dividend
£375 - selling shares

£22,118.63 total income

OUTGOINGS
£3,893.13 - Mortgage
£1,134.20 - Maintenance fee
£595.57 - Council Tax
£82.55 - Household goods (cleaning products etc)
£11.74 - furnishings
£252 - Gas
£312 - Electricity
£168 - Water
£112.50 - Boiler Cover
£129.96 Life Cover
£137.52 - Contents Insurance
£242.97 - MPPI
£543 - Bus Pass
£319 - Taxi Fares
£142.50 - TV Licence
£455.74 - Virgin Media
£248.68 - Mobile Phone
£575.53 - Loan repayments
£534 - Credit Card Repayments
£886.04 - Overdraft interest and payments
£1,900 - SAYE
£220 - Shares through work
£2,728.53 - Food
£1,111,12 - Booze
£180 - Contact lenses
£59.81 - Grooming (razors, shampoo etc)
£210.23 - Clothes
£12 - Dentist
£226 - Gym Membership (not a whole year)
£169.34 - DVD Rental
£584.71 - DVD's/Blu Rays
£386.96 - Books
£246.33 - Video Games
£413.84 - Magazines
£250.53 - Comics
£182.01 - CD's
£80.24 - Xbox Live
£20.60 - Cinema
£71.50 - Bingo
£1,493.52 - Collectibles
£180.43 - Ebay Fees
£515.91 - Postage
£299.50 - Lotto
£467.93 - XXX (use your imagination!)
£41.65 - Misc
£294.32 - Technology (various)
£97.87 - Presents
£32.23 - Tablets (I get through lots of Rennies!)
£3 - Batteries
£565.67 - Exercise Equipment
£59.74 - Stationary
£16.48 - Protein Shake Powder (yuk)
£119.75 - Computer Software

TOTAL OUTGOINGS - £24,019.30
OVERSPEND - £1,900.75

Quite depressing when you write it all down!

bramble1

A good insight to your spending though?
I've just started keeping a diary, wonder what mine will look like this time next year!

moggylover

I'm intrigued by those XXX's.........................:D

bramble1

moggylover wrote: »

I'm intrigued by those XXX's.........................:D

Must admit i am too the mind boggles.......

LizzieS_2

Noselfdiscipline wrote: »

I kept a spending diary in 2009, heres what came in and out

OUTGOINGS
£319 - Taxi Fares you have a bus pass
£455.74 - Virgin Media why bother when you needed so many dvds too
£248.68 - Mobile Phone buy a payg and talk less
£169.34 - DVD Rental and the point of paying for vigin media was?
£584.71 - DVD's/Blu Rays as above
£386.96 - Books Get a library card - it costs nothing to borrow a book
£246.33 - Video Games too much free time, lol
£413.84 - Magazines money to burn considering the above items too
£250.53 - Comics I'm begining to get lost for words - try a walk to pass time
£182.01 - CD's another waste

£1,493.52 - Collectibles Seems you have a few other collectables too, eg £575.53 - Loan repayments £534 - Credit Card Repayments£886.04 -Overdraft interest and payments
£565.67 - Exercise Equipment wasn't the Gym cheaper assuming you had time to go.
£119.75 - Computer Software not bad except when added to all others

OVERSPEND - £1,900.75

Quite depressing when you write it all down!

On the good side, at least you have been honest.

Joking aside, at least you can look back at what you bought and set a limited budget for 2010.

Noselfdiscipline

Bit harsh Lizzie!
Taxi fares are after a night on the town, no buses then!
Virgin is for TV/broadband, landline, the rental is for films. Yes, I do buy some as well though!
Books - do need to cut down, got 160 that I havent even read yet! (yes, I counted!)
Whats wrong with comics! Best entertainment there is! The gap between panels is where your mind and imagination step in and provide the third and fourth dimension, which is space and time - space within which movement occurrs, time for the duration of that movement. Comics are the most interactive entertainment there is!
Mobile phone bill has been bumped up this year by entering the Gadget Show competitions each week like a sucker, £1.50 per text.

But yeah, I do need to cut down spending next year!

LizzieS_2

There is nothing wrong with comics - it is the whole bill for everything.

I was kind leaving in your booze bill and the xxxx (didn't dare guess what that was for).

Do you realise the ones I did pull come in at just over £100pw in total?

I was trying to be light hearted with the comments in red as I did appreciate that you realised you had to cut down this year. You seem to be paying far too much for things you are only going to eventually use to then sell on ebay.

Being honest, there is no point paying for TV if you are not going to watch it to get your moneys worth - with your lifestyle it is impossible. Without the TV I could understand the DVD rental (no point in buying though).

I guess you are male - do you really need a taxi?

firestronaut

Noselfdiscipline wrote: »

I kept a spending diary in 2009, heres what came in and out

INCOME
£17,944.27 - Pay
£294.45 - Overtime
£1,130.76 - Amazon Marketplace
£1,751.64 - Ebay
£153.80 - Lotto Wins
£120 - Vouchers
£75 - Birthday money
£161.30 - Other
£112.41 - Share dividend
£375 - selling shares

£22,118.63 total income

OUTGOINGS
£3,893.13 - Mortgage
£1,134.20 - Maintenance fee
£595.57 - Council Tax
£82.55 - Household goods (cleaning products etc)
£11.74 - furnishings
£252 - Gas
£312 - Electricity
£168 - Water
£112.50 - Boiler Cover Is this necessary? How old is your boiler?
£129.96 Life Cover
£137.52 - Contents Insurance
£242.97 - MPPI
£543 - Bus Pass
£319 - Taxi Fares Why so many taxi's?!
£142.50 - TV Licence
£455.74 - Virgin Media Can you cut your package?
£248.68 - Mobile Phone
£575.53 - Loan repayments
£534 - Credit Card Repayments
£886.04 - Overdraft interest and payments
£1,900 - SAYE
£220 - Shares through work
£2,728.53 - Food Work on getting this down in 2010.
£1,111,12 - Booze Definitely cut back on this. It's not necessary and you can easily enjoy yourself without it.
£180 - Contact lenses
£59.81 - Grooming (razors, shampoo etc)
£210.23 - Clothes Have you tried the crazy clothes challenge? 2010 could be a new start of only wearing what you have!
£12 - Dentist
£226 - Gym Membership (not a whole year) £226 and it wasn't even for a whole year? My gym membership is just shy of £180 for a year. And it's open 24/7. I would cancel this and find a cheaper one.
£169.34 - DVD Rental Have you tried Lovefilm? For just under £10 a month, you can rent as many as you want.
£584.71 - DVD's/Blu Rays Can you rent and not buy?
£386.96 - Books Try a swapping site for this.
£246.33 - Video Games That seems an awful lot for games. Have you tried second hand?
£413.84 - Magazines Easily cut back on.
£250.53 - Comics see above
£182.01 - CD's Second hand? Ebay?
£80.24 - Xbox Live
£20.60 - Cinema
£71.50 - Bingo
£1,493.52 - Collectibles
£180.43 - Ebay Fees
£515.91 - Postage
£299.50 - Lotto
£467.93 - XXX (use your imagination!) Whatever this is, I think you can cut back at that price.
£41.65 - Misc
£294.32 - Technology (various) Is it needed?
£97.87 - Presents
£32.23 - Tablets (I get through lots of Rennies!)
£3 - Batteries
£565.67 - Exercise Equipment You have a gym membership! why are you buying equipment?!
£59.74 - Stationary
£16.48 - Protein Shake Powder (yuk)
£119.75 - Computer Software i'm going to go ahead and assume this was necessary/

TOTAL OUTGOINGS - £24,019.30
OVERSPEND - £1,900.75

Quite depressing when you write it all down!

I got a little confused by what you spend your money on. Lmao.
But thank God someone has been honest and not tried to hide or deny what they bought. It's refreshing :beer:

Intergalactic_Floozie

That was really interesting and at least you can look at it and try and make immprovements next year! (I mean, this year LOL). I just started keeping one back in November and I should start categorising mine.

Barneysmom

Hi Noselfdiscipline, I just wondered are you a collectoholic?
Just asking as the amount of books, comics and dvds you bought, your place must be bursting at the seams?
We've got about the same amount of books as you but they are used, gardening, cookery and reading books, and the novels are read or in the middle of being read. Maybe you could thihnk about selling some of them, pick 10% of them that you are least likely to read?

When we bought this house nearly 9 years ago I had much the same thing but it was with linen, so now I've got enough bedlinen and curtains to last 2 lifetimes.....

Don't get rid of your boiler insurance you might need it one day...

Your hobbies seem to be of a person who is still living at home if you don't mind me saying, you seem to have spent a heck of a lot on entertainment but only £11.74 on furnishing, is your house finished completely?
I only ask as there doesn't seem to be any money there that you might have spent on gardening equipment or decorating?

raphanius

£12 - Dentist

you have exceptionally good teeth if thats all you spent at the denstist lol