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  • FIRST POST
    • clippy_girl
    • By clippy_girl 30th Mar 19, 7:49 AM
    • 2,279Posts
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    clippy_girl
    Adventures within my budget
    • #1
    • 30th Mar 19, 7:49 AM
    Adventures within my budget 30th Mar 19 at 7:49 AM
    Hi all

    I have been on these boards for years and have cleared a large amount of debt from uni, holidays, overspending etc...

    However I am still useless at budgeting I am definitely a make more rather than cut back type of gal so even when I am frittering some of the 'more' away I still cleared my debts.

    I did airbnb where I was making around 700 per month. The debt I had in my last diary was as a result of a new kitchen, boiler and shower and I should have been using my airbnb money to pay it off. Whilst I did pay some off, I mainly used the money to pay for lots of holidays!

    After a few years I got really sick of doing airbnb and it was quite exhausting constantly cleaning, changing the bedding, washing, making small talk etc... So I decided to stop in Oct last year. I remortgaged in December and added 11,000 onto the mortgage which was the balance of the home improvements on my cards. Whilst I was waiting to remortage I used the airbnb money for other home things and put away 1000 in premium bonds for emergencies.

    So now I don't have my extra income I need to stop overspending and stick to my budget. I haven't tracked it before but I don't think I stick to entertainment and food as I normally run out by the end of the month. I also need to ensure I start saving a bit, either as savings or overpaying the mortgage.

    I have done a budget in the next post and I am going to keep this diary to try and keep me on track

    As an added complication I am currently debating whether to move to new Zealand or not Whilst this will largely depend on a job offer with suitable salary, I need to try and decide if I definitely want to go. I will then have to consider lots more but for the mean time I need to ensure I think carefully before buying stuff I don't need!
Page 1
    • clippy_girl
    • By clippy_girl 30th Mar 19, 7:59 AM
    • 2,279 Posts
    • 8,917 Thanks
    clippy_girl
    • #2
    • 30th Mar 19, 7:59 AM
    Budget
    • #2
    • 30th Mar 19, 7:59 AM
    So in the house it is me (early 30's female) and my cat

    30 Water
    12.83 Tv licence
    22.5 Internet
    55 Gas & elec
    31 Mobile phone
    75 Council tax
    508.3 Mortgage
    120 Groceries
    25 House stuff savings
    11.67 Home ins
    5.42 Boiler service
    15.66 Pet insurance
    10 Vet plan
    15 Cat food
    17.24 Car servicing
    20 Car insurance
    25 Car maintenance
    5 Car tax and parking permits
    40 Petrol
    1.75 Dentist
    15 Contact lenses
    0.79 icloud storage
    50 Massage & wax
    200 Entertainment
    300 Holidays
    6 Holiday insurance
    100 Clothes & beauty & hair cut
    50 Gym
    5 Kitty with friends
    100 Presents
    13.33 Amazon prime & music

    My take home pay is currently 1965 (due to rise in April around 35) so I should currently have around 80 'spare' at the end of the month (which I never do)

    I am going to cancel the TV Licence as I've just cancelled sky as I only watch netflix (not my account so no cost )

    Water should hopefully reduce when the annual bill comes in June now theres only me and no guest showers or washing

    Mobile will be reduced in June to giffgaff

    The stuff that I don't pay monthly is saved for the annual bills (insurances etc) and I do have these saved in separate accounts.

    Holiday account is -383 at present (borrowed from car fund) but this will mostly be repaid in April and the remainder in May.
    Last edited by clippy_girl; 30-03-2019 at 8:01 AM.
    • jwil
    • By jwil 31st Mar 19, 8:51 AM
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    jwil
    • #3
    • 31st Mar 19, 8:51 AM
    • #3
    • 31st Mar 19, 8:51 AM
    I know it's only a small amount, but do you need icloud storage when you get unlimited free photo storage with amazon prime?

    Good luck with it though
    "If you can dream it, you can do it". Walt Disney
    • a_silver_lining
    • By a_silver_lining 31st Mar 19, 10:07 AM
    • 479 Posts
    • 1,670 Thanks
    a_silver_lining
    • #4
    • 31st Mar 19, 10:07 AM
    • #4
    • 31st Mar 19, 10:07 AM
    Hiya I too am an early 30's female homeowner with cat who is thinking of moving abroad. Albeit to Ireland, not exotic NZ, and with another early 30's female being resident and joint cat mum (as well as the reason we are thinking Ireland, her being Irish.)

    My thoughts were that you don't state building insurance? Or is that lumped in with contents?

    Also, for me at least I think your food shop is a bit low. If you're buying bottles of wine, or organic, or having friends over to feed it's probably higher. I eat pretty organic, which is pricey, but home cooked, which is cheaper and we probably spend 150-200pm each. Though this includes cat food, cleaning bits and toiletries.

    Is eating out included in entertainment? Back before we started cutting down we were spending 80-150pm each on takeaways, eating out, coffees out, snacks or emergency lunches at work. It's where we overspent without budgeting for it. Took me recording every spend to even realise it was an issue! I thought we spent twenty pounds each a month!

    This was the hardest, but most worthwhile area for us to cut back on as we lost loads of weight! As in I seriously went from 11 to 10 stone this winter by cutting this out and replacing it with home cooked food. And saved about 600 each. Still have junk food at home though

    I found inviting people over for food rather then going out was easy. Taking refillable metal bottles for water, snacks, lunch with us easy when on a day out. Coffees and lunch at work were a killer, as were takeaways as they were emotional eating. I brought in coffee sachets I liked and meal planned to tackle this.

    Also thought your petrol spend was tiny. Do you feel you need a car or could you replace this with public transport? This would save all the costs with having a car.

    Wont knock the holidays, clothes or massage. Feeling good in yourself is so important. We are looking to move to buy a forever home in order to then free up money for this area of our lives. I can't wait to travel again

    Will query the 100pm gifts. I was the same spend wise, and still find myself almost spending this amount. I'm trying to rethink gifts into smaller, more meaningful prezzies, or 'experiences' or eating out, which would otherwise have been in my eating out budget.

    Enough waffle from me, good luck!
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    0 emergency fund --- Family Loan paid 10K back 31.03.19
    • clippy_girl
    • By clippy_girl 5th Apr 19, 8:39 AM
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    clippy_girl
    • #5
    • 5th Apr 19, 8:39 AM
    • #5
    • 5th Apr 19, 8:39 AM
    I know it's only a small amount, but do you need icloud storage when you get unlimited free photo storage with amazon prime?

    Good luck with it though
    Originally posted by jwil
    Thanks I didn't know they did that, will check it out
    • clippy_girl
    • By clippy_girl 5th Apr 19, 8:49 AM
    • 2,279 Posts
    • 8,917 Thanks
    clippy_girl
    • #6
    • 5th Apr 19, 8:49 AM
    • #6
    • 5th Apr 19, 8:49 AM
    Thanks for your post silver lining, exciting times for us both

    My home insurance covers both building and contents.

    I'm monitoring the food bill but I think it's roughly (hopefully) around that mark. I don't buy alcohol for home as I drink gin which I get for presents I also batch cook from scratch and freeze in portions so meals are reasonably cheap. What I'm spending lots on at the moment are treats like mini eggs

    My entertainment budget pretty much goes 100% on eating and drinking out

    Both of these are factors in me not loosing weight lol need to try and curb them in a bit! I generally don't ever get takeaways or buy many coffees on the go but I do buy sweets, crisps, more mini eggs etc at work

    I probably could get away without my car now but I've got used to it! I can't get public transport to work and would take nearly an hour to walk so I still drive. I use the car for days out and visiting people as i can't really get trains anywhere other than London where I am. I do walk most other places as I'm only about 15 mins from the city centre and it's safe to walk home later at night so I don't need many taxis or at parks etc

    I've just raised the present budget as was running out but I agree it's pretty high
    • clippy_girl
    • By clippy_girl 5th Apr 19, 8:58 AM
    • 2,279 Posts
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    clippy_girl
    • #7
    • 5th Apr 19, 8:58 AM
    • #7
    • 5th Apr 19, 8:58 AM
    So what I have I been up to this week? Whilst I haven't spent loads I have wasted most of it!

    Last weekend I visited family and dad took us out for a meal. I paid 5 towards the tip as had cash. I filled the car up with petrol using the petrol budget and gave 10 left. If I put the 10 in it will hopefully see me through til payday. Then I spent 15 in morrisons on fruit and stuff for lunches. And 25 in the pub on pizza and gin.

    During the week I've mainly bought sweets, chocolate and crisps I had to spend 5 to park at work on Tuesday as I don't get free parking everyday yesterday we went out for team breakfast so 4 spent and then bought lunch as was too lazy to make my salad

    So all in all I have wasted money this week

    I'm working from home today and as I do flexitime I do shorter hours at home. So I'll be off to lidl at lunchtime to do a big shop as I'm off on Monday so want to get the freezer stocked with batch cooking. I also want to pick up a couple of cheap plants for the garden as well as I also aim to do that over the weekend. Then I'm going out for cocktails and pizza after work. The entertainment budget is still looking on track for the month
    • jwil
    • By jwil 6th Apr 19, 7:35 AM
    • 10,285 Posts
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    jwil
    • #8
    • 6th Apr 19, 7:35 AM
    • #8
    • 6th Apr 19, 7:35 AM
    Have a good weekend x
    "If you can dream it, you can do it". Walt Disney
    • Scott-Weiland
    • By Scott-Weiland 6th Apr 19, 1:31 PM
    • 446 Posts
    • 1,037 Thanks
    Scott-Weiland
    • #9
    • 6th Apr 19, 1:31 PM
    • #9
    • 6th Apr 19, 1:31 PM
    My only advice would be do a tiny bit more shopping around re these on say a price comparison site via top cashback. Even if you got knock a quid or two off each and get yourself some cashback in the process it would be brill, i switched broadband recently and was 60quid richer 3 months later.

    30 Water
    12.83 Tv licence
    22.5 Internet
    55 Gas & elec
    31 Mobile phone
    75 Council tax
    508.3 Mortgage
    120 Groceries
    25 House stuff savings
    11.67 Home ins
    5.42 Boiler service
    15.66 Pet insurance
    10 Vet plan
    15 Cat food
    17.24 Car servicing
    20 Car insurance
    25 Car maintenance
    5 Car tax and parking permits
    40 Petrol
    1.75 Dentist
    15 Contact lenses
    0.79 icloud storage
    50 Massage & wax
    200 Entertainment
    300 Holidays
    6 Holiday insurance
    100 Clothes & beauty & hair cut
    50 Gym
    5 Kitty with friends
    100 Presents
    13.33 Amazon prime & music

    And i agree with whats being said re entertainment see if you could cut it by maybe a quarter. Are you do anything else too boost up i think it was that 80 you said you had left???

    Have a read of this

    https://www.moneysavingexpert.com/family/make-money/
    • clippy_girl
    • By clippy_girl 7th Apr 19, 1:06 PM
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    clippy_girl
    Thanks for the suggestions Scott! The insurances aren't due until later in the year but I will check the deals again then. Gas and electric is cheapest I can find at the moment. I am due a refund of 133 from previous supplier which I need to chase again.

    The holiday insurance has just ran out and the trip I have planned is to Spain the summer to stay with family. I'm hoping to go to Australia next jan so won't have much need until then. Im going to buy a cheap single trip policy for Spain for less than 5 and can save the 5 a month (the 60 is saved for the annual policy so I'll keep it there but stop adding to it).

    Entertainment I think I will try and cut by 10% from next month and see how I go. Reluctant to cut it more until I know what I'm actually spending.

    I went out on Friday for cocktails after work but didn't end up getting dinner out. I should have though as drank rather a lot before having toast for dinner at 11:30pm was fine yesterday until the evening when I came down with a migraine so stayed in instead of going out. I think I spent around 40 on Friday which is a lot and way more than I've spent on drinks in ages.

    I'm out next weekend but still have around 40 left so hopefully be on track.

    I'm not sure what has happened with tracking food spends as I think I lumped some together and now I can't remember where I'm up to. I think I would have been on track but I recently signed up to Gousto and had the first box, thought I cancelled it and just realised I only paused one box so I have one arriving this week which I can't cancel I have now cancelled it. Was 25 for 4 meals which I can do a lot cheaper (only two portions per meal). But don't think I will have much spends for food until payday on 18th.

    I need to remember to track my spends on the app immediately or I'll have to start using my cc to buy stuff and transfers it. First direct debit card takes around 3-4 days to show transactions whereas the halifax very takes 10 mins!

    I'm just home from the gym and had lunch (free eggs from lovely colleague ) and now I need to do some housework which I don't want to!
    • Pip Boy 111
    • By Pip Boy 111 7th Apr 19, 2:44 PM
    • 124 Posts
    • 373 Thanks
    Pip Boy 111
    Hi.

    Are you any good with excel? I created a spreadsheet for all our expenses and income. A few hours tinkering and inputting formulas and the a few adjustments here and there and i now have a work of art
    Seriously though, i can now see what is due and when and how much we have left over after EVERYTHING. I do this 3 months in advance. It sounds like a faff, but once it's all set up (and assuming the formulas are right) it's just a case of inputting the figures with a nice cup of coffee in hand (prepare to be shocked how much salary is "wasted" each month at the beginning).
    Failing that some people have success using an app like YNAB or the like (I couldn't get on with that so preferred to create my own spreadsheet).
    However you go about it GOOD LUCK
    • Pip Boy 111
    • By Pip Boy 111 7th Apr 19, 2:46 PM
    • 124 Posts
    • 373 Thanks
    Pip Boy 111
    Thanks I didn't know they did that, will check it out
    Originally posted by clippy_girl
    i too, didn't know this! (rushes off to check Prime benefits)
    • clippy_girl
    • By clippy_girl 14th Apr 19, 12:56 PM
    • 2,279 Posts
    • 8,917 Thanks
    clippy_girl
    i too, didn't know this! (rushes off to check Prime benefits)
    Originally posted by Pip Boy 111
    I've decided not to renew my prime membership when it runs out as I don't make enough use of it. As the music needs renewed 1 month before prime I can still get music for 79 for the year without paying for prime

    However looking into it made me look at other options and I have now downloaded google photos and you can upload an unlimited amount for free I'm in the process of upoading all the pics from icloud to it then i will cancel the icloud subscription. I need to work out how to get all my pics from my laptop onto google pics as it's on its way out. I will see if I can get it to work and if not I'll have to transfer from computer to SD card then plug the SD card into phone and do it that way!

    I'm not sure I will get another iphone when this ones needs replaced so i guess its future proofed it as well
    • clippy_girl
    • By clippy_girl 14th Apr 19, 1:07 PM
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    clippy_girl
    I use a basic excel spreadsheet for my bills and just manually update them each month if the bills are different. As everything is fixed except my food and entertainment I am just using an app for those now. i am going to use my cc as purchases show up in 5 mins as opposed to 3-4 days using my debit card

    So today I have just finished my CV ready to send off to NZ and will do a little bit of cleaning. I did body pump class at the gym yesterday for the first time since xmas and I'm aching a lot now

    I have tweaked my budget and managed to get my left over up to 115 I knocked 20 off my entertainment budget and 10 off the beauty one. I also checked the pots for the car and annual expenses and there was a bit extra so i have popped that in an empty pot for now. i get paid on thursday and will get a small payrise so the plan is to pop all leftover/extra etc in the savings pot and buy premium bonds each month with whats in there!

    i would also like to try and save a little of my entertainment budget for things that need paid for in advance eg i just bought coach tickets for next month and july but had to use this months budget so would be nice to cover this with leftovers
    • jwil
    • By jwil 15th Apr 19, 11:16 AM
    • 10,285 Posts
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    jwil
    Well done on all the savings! I forgot about Google photos, I use that too.
    "If you can dream it, you can do it". Walt Disney
    • clippy_girl
    • By clippy_girl 16th Apr 19, 7:45 AM
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    • 8,917 Thanks
    clippy_girl
    Morning all

    Decided to record every spend on here to keep me on track. I am definitely still frittering money away and looking at my bank statement most of it is going to tesco express on mini eggs

    I'm getting back into the gym so I'm trying to avoid buying junk food.

    Yesterday I resisted free biscuits and went to do a body balance class after work I managed to not spend money on food but I did impulsively spend 99p on a kindle book as saw a new one released in the series I like

    Have looked at what I have planned for the next month after payday and should be able to stay in budget. I do have a day out in London planned so need to keep under budget on the other weeks. I do so many things that I find it nearly impossible to keep my entertainment under budget I need to organise more cheap or free things and not drink as much alcohol when I'm out to keep the costs down!

    Today I am hoping for a NSD. I'm working at home but popping out to meet a colleague to do some inspections. I will walk to meet him. Then off to the gym in the evening. Will get to try out my new wireless headphones I ordered at the weekend. They were 17 and I used the clothes budget to buy them. Hopefully will stop me getting tangled up in them and can wear them when doing stuff lying down. Must remember to charge them!
    • clippy_girl
    • By clippy_girl 22nd Apr 19, 7:32 AM
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    clippy_girl
    Morning all

    Thought it was time for a round up of my spends!

    Monday I spent 99p on kindle book

    Tuesday and Wednesday were NSD's

    Thursday I spent 3 on a meal deal as had to go out at lunch and only had soup in. I picked one up for my colleague as well so 6 on my card. I'll use the 3 cash he gave me to give to another colleague who lent me money for a bacon buttie the other week who I've not seen since. Also spent 35 on getting the gutters cleaned. That came out the house budget.

    Friday I spent 22.80 of the entertainment budget on drinks and an Indian

    Saturday I went shopping in the morning in the city as needed a few bits and then lunch out at the pub.
    1.98 on car shampoo and cloth to wash it myself instead of paying the hand wash place
    25.59 Superdrug on toiletries (clothes/beauty budget)
    2.65 Wilco on toiletries
    27.50 on new work bag at m&s (clothes/beauty budget)
    17.15 on lunch and drink in pub
    7.95 in Tesco express

    Sunday I had a bbq and spent 16.52 in Tesco express on supplies. Stupidly forgot supermarkets shut

    Today I am out yet again the entertainment budget is getting hammered. Going to weatherspoons to sit in the beer garden all afternoon so will get cheap meal. Not going to drink all day though! Followed by cinema tonight which is now only 5 before I go out I need to clean up after the bbq and go to Asda to get stuff for lunches and to batch cook tomorrow and Friday as I'm working from home. I need to be more organised and stop nipping to Tesco express!

    I'm hoping for a NSD the, wed and Thursday and maybe even Friday
    • clippy_girl
    • By clippy_girl 22nd Apr 19, 7:37 AM
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    • 8,917 Thanks
    clippy_girl
    In money news I got paid on Thursday I send 100 extra to the house budget to cover gutters and a few things I need to get like curtain pole and blackout lining and wash basket. I have 200 to buy more premium bonds as well I set up the buying them by bank transfer option so just did 25 to start to check it works then will send over the extra.

    I had a small pay rise so I've now got about 150 to save each month. I am also getting my 133 refund from old energy supplier so with the little left in my account I got it up to the 300 above.

    Now to convince myself that I DO NOT NEED A DYSON HAIRDRYER!!!
    • canaryfeather
    • By canaryfeather 23rd Apr 19, 12:57 PM
    • 21 Posts
    • 48 Thanks
    canaryfeather
    I can definitely relate to this as a female mid-20's homeowner who is currently trying to decrease credit card debt that has crept up on me as well as begin to create an emergency fund in case my boiler breaks (again!)

    Interested to see how you get on. Best of luck and congrats on the small pay rise!
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