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September 2024 Grocery Challenge
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Good afternoon everyone.
I said I was hoping to come in on budget this month.
Oh dear, things didn't quite work out!!
I now know why I don't eat out very often.
We had 6 lunches out and one evening meal £245.90 spent.
Will need to rein it back in for October.
Still we had a nice few days away even if the weather could have been kinder.
I am declaring now for September £364.35/£300
Have a good evening everyone
T.C6 -
Haven't technically come to the end of my month but i have spent all the money. I won't buy anything until my next week and month which starts next Thursday.
So £500/£500 - 5 weeks £100 a week for a family of 4 - 2 adults 2 teens. I was hoping to do better.... There's always next month!Grocery challenge:
Oct 24.£/£400
Sept 24 £500/£500
Dec 2023
Debt pay down: from move
loan: £11500
CC £4222, Jan 24 £3831,
Oct 2024 new debt pay down
Personal loan £10000
Cc: £3758
Barclaycard (£187) £0
Debt to family - (£200) £0
Tesco (£2200) (£5343) 0
Halifax (£488) £298 =£0
Virgin £3611 = £3572
Santander = £1500
Total: Mar 2020 (£6486 ) Apr £6109 May £5665 (+£106 tranfer fee); June £5331 Sept (£950 added) £5343, Dec £5070 April 2021 PAID OFF!!6 -
well september budget was hard, but we did it!! will up octobers budget as a reward!
6 -
Well, that was an epic fail for my first grocery challenge - I said I'd £350 for groceries, lunches and coffees out (me and 2 teens on shared custody).
Clocked up a whopping £518.07 - groceries was £365.26 and lunches out etc £152.81. Well over £100 of that total was extras/ treats bought when we were camping with friends August bank holiday week (my month starts the 24th when I get paid) but there was still too much frivolity the rest of the month too.
Am going to try better this month though I have 2 weekends away with DP planned so may go off course again but attempting £350 again.July 2024 £12,150 Aug 2025 B/Card £6,300, N/West £1,770, Halifax £1,182, Klarna £568, Sports Trip £335, Very £122 & HMRC GONE!!!! Total £10,2767 -
£9.71 over. My aunt had tickets to the Chelsea Physic Garden and of course that trip ended in tea and cake. Then there was a pop up market on the way back and I bought some Kombucha (I've been drinking it with cranberry juice and fizzy water as a v low-alcohol cocktail). I probably need to add £1.20 to that for my breakfast pastry tomorrow.
Despite the fact I always go over I do think I'm spending less than I would if I wasn't doing the challenge - there was a period where I would just grab a coffee every morning or any time I was hanging around at the train station and get lunch out most days. I also think if I put the budget up I'll go over the new target, so I'll leave it where it is for now.Fashion on the Ration 2025 - 1.5 coupons remaining
August Grocery Challenge £0 of £250 spent
Declutter 7 things (net) in 2025. Done, now trying to keep it even (9 over at present).4 -
Evening all,
Just reporting our final total for September. I did several shops totalling another £60.54. Included in this was £7.83 spent at Tesco on reduced meat including chicken breast, pork mince and a fish pie mix. I also spent £10.96 at home bargains on toothpaste, shower gel and cleaning products.
Altogether we spent £519.79 a £80.21 saving to the reduced target and a £130.21 saving to our official target
Really chuffed with this outcome. I'm going to bank the savings for future months ie Xmas when l will inevitably overspend.
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £39,100
MFW 2025 #31 £23,900 / £28,000 OP
MFIT - T7 £23,900 OP
0%CC May 2027- £2,400
Grocery Challenge
Jan £387.89 / Feb £ 355.67 / Mar £418.63 / Apr £478.37 / May £426.52 / June £376.18 / July £462.54+£103.32 entertaining /
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum5 -
Ugh, what a fail this month was - super busy with end of summer season at work so I wasnt checking my sums weekly like I did in August and I think that had a partial effect. However I have reined in the lunch/coffee/takeout spends. Next month will be better hopefully as I get lunch provided for me at work outside of peak season
Declaring £454.25/£400 on groceries, and £206.31/£180 for coffee/lunches.
See you on the October thread.4 -
biggerpickle said:Well, that was an epic fail for my first grocery challenge - I said I'd £350 for groceries, lunches and coffees out (me and 2 teens on shared custody).
Clocked up a whopping £518.07 - groceries was £365.26 and lunches out etc £152.81. Well over £100 of that total was extras/ treats bought when we were camping with friends August bank holiday week (my month starts the 24th when I get paid) but there was still too much frivolity the rest of the month too.
Am going to try better this month though I have 2 weekends away with DP planned so may go off course again but attempting £350 again.
2 -
I'm going to declare today because I can't get to the store today for incidentals due to schedules. £379.96 / £386.00 spent. £6.04 remaining. We still have about £30 in Love To Shop vouchers for M & S that I'm going to roll over to October.4
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Went over last week.
The first part of the budget from this week and into next month has been spent is around £19.84 on eggs, various fresh items plus a couple of cheap jars of sauce.
I also treated myself to a small sachet of Horlicks too.
I've decided to take a break from slimming world and try to eat healthy.
Decluttering campaign 2023
2 🏅🏅 +1 ⭐️ +1🌟 awarded later in year
Decluttering campaign 2024
2 🏅🏅 + 1⭐4
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