So December finished early for me as I got paid before the Christmas break – great for Christmas, painful for January! The remnants from November hit as expected, however because of when I collected some of the food, some of the Christmas food will hit me in January rather than this month which makes it a little less painful in that sense. Ultimately I still have to pay for it though!
So all steady on the western front here. Same old salary dropped in and a reasonable income from my other half’s ISA. Steady as she goes. Really isn’t anything more to say about this given my lack of other income streams.
So, lets take a look at this, should be good for a giggle if nothing else!
|Things I choose not to avoid*||Mortgage, Insurance, shared bills etc. – yes, we could move somewhere cheaper, not have insurance, reduce our bills a bit and so on, but we are where we are.||37%|
|Groceries||All the food and other stuff needed for home||6%|
|Alcohol for home||Home alcohol consumption only||0%|
|Bicycles / Car related||Any costs related to either the bikes or the car||1%|
|Alcohol Out||Generally, its the pub….||0%|
|Eating Out||I include purchased lunches in this as well as meals out etc.||2%|
|Other||My catch all for anything I may have missed….||6%|
|Holidays||Any spending related to holidays, flights etc.||6%|
|Savings||Anything left over! This includes money into ISAs, mortgage payments and non relief pension contributions. My company pension comes out before it hits my bank account so isn’t included, nor do I include the “top up” of money when my money goes into my personal pension (i.e. I put in £100, I register it as £100, not the £125 that gets credited in my pension)||42%|
So there we have it. My general “don’t do anything about” stuff is steady helped by a reduced transport budget.
Alcohol, both at home and out was minuscule this month as it’s the festive season so a number of the evenings out were covered on expenses – what a nice result and some cheer! The rest was stuff I bought in previous sales etc.
Groceries were higher than normal, but it is the run up to Christmas.
Other was the catch from November so not unexpected.
Holidays – I booked a couple of nights in a hotel for a break and some rest, and did me the world of good. Unplanned but never mind.
Savings rate was an incredible 42% – I ran down some of my cash flow fund but my investments remain ongoing, and in fact I put a little extra into the GTP ISA (more on that in the update to come).
So overall I am really happy with the strong finish to the year!
How was your Christmas break, did you manage to keep control of things in December?!