So I won’t repeat myself in apologising for the delay in getting this post out, but I guess better late than never. I can remember some of June – some weekends away, a week away on work, some days out, all in all a very very full on month…. so without further ado lets look at what that did….
So the final reduced salary hit the bank account – thank god.
To date I have been continually dipping into my cash reserves and they are starting to look rather threadbare. I am sure most people don’t count a company share scheme as being an emergency, but there you go!
My other half’s ISA kicked out more money again which is always nice – a bit of tax free income, yes please! This was a fantastic amount of cash starting to come in and is really helping make it through the reduced income.
|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.||41%|
|Groceries||All the food and other stuff needed for home||3%|
|Alcohol for home||Home alcohol consumption only||11%|
|Bicycles / Car related||Any costs related to either the bikes or the car||2%|
|Alcohol Out||Generally, its the pub….||1%|
|Eating Out||I include purchased lunches in this as well as meals out etc.||3%|
|Other||My catch all for anything I may have missed….||19%|
|Holidays||Any spending related to holidays, flights etc.||7%|
|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)||13%|
* This covers a number of things that I would class as essential for me. Yes, I could move to somewhere cheaper to reduce the mortgage (which in turn would reduce the insurance I have to pay), yes I could reduce my bills by switching energy supplier etc. but it comes down to what I am happy with. There are a few other things in there that are classified as essential that others may object, and so I have just lumped it into there.
Day to day “Things I choose not to do anything about” is up slightly, reflecting my reduced income and also I paid a one off hit on one of the standards – a story for another day.
So, food for home was up a little on normal but still relatively small amount as I continue to work through the freezer – this was driven up by buying some stuff at a fair…
Alcohol at home. Whooops. So I happened to bump into my favourite Vintners at the above mentioned fair – should last a little while, although not that much… they did have some very nice wine!
Holiday – this was up a bit as we paid the last of the deposit for a friends wedding in August…
Other. Erm. Oh. Bother. I think this may be my inner spendypants person braking out after such a lean 5 months. To be fair some of this was new clothes (long over due), a self breathalyser (legal requirement in France), some new glasses, all sorts of stuff.
Savings rate. Ok this is a disgrace, but I have still left the money going into the investments…. further depleting my cash reserves… almost to empty which is not a great place to be in!
Oh well – onwards and upwards!