budgeting plan, fEAsible, financial focusing, goal update, trEAsure, wEAlth

Financial Focusing review #1

Update for February Housekeeping

February                                                              Wk1                 Wk2
Groceries / wholefoods and cleaning      21.10               38.15
Lunch & snacks at work                                 0.00                 7.65
Medicines/ remedies / supplements        2.29                 0.00
Stationery                                                            0.00                 5.97
Toiletries / makeup                                         6.24                 0.00
Total                                                                      29.63                51.77
Having a week off work with my poorly foot  in week 1 of February actually saved quite a bit of money partly because I did not have to buy lunches and partly because it kept me out of the shops!
I did also use some reward points towards my groceries so although these figures look quite reasonable if I factor in the reward points I would have overspent on food.
I am quite proud of myself for not buying any magazines this month so far.  I have a subscription for Country Living (xmas present) and I kept last years too to reread – much of which is still relevant.

Update for the bill budget

There is good news on the energy savings too – Npower our gas provider have refunded our account with £250 and will reduce our standing order to £60 month.  I will be working hard to get this reduced further but at the moment this is a start.
Scottish Power are yet to send us the £54 cheque for the compensation due for last years 3 days without power during the heavy snow.  I was told it would be here the end of January and I rang to remind them of this last Friday but could not get to speak with the right person.  It is quite frustrating that I have to keep chasing them – I can feel a letter coming on.

Items coming into the house this last week. 

I have been having some problems with the car remote and have had to use the ordinary key.  So I bought a new battery which only lasted a day so I think there must be something wrong with the remote fob – a bit of a waste of a new battery and the money.
Car remote battery
I bought these garden chair covers to put over the metal patio chairs and keep them from the bad weather. Money well spent here I think.
Garden Chair covers
This is a granite worktop saver and I have had this on my list for a long time – we have one at the cottage and they are extremely useful and versatile – I can chop veg and put hot pans on here and being cool it is good for pastry though perhaps a bit on the small side.
Granite worktop saver
This exercise of monitoring what comes into the house is quite enlightening and I am already beginning to see where some of the money goes and how we  accumulate more stuff soon after a clearout – I have already bought quite a few items this year even though it hasn’t felt like it.  One or two new items a week will accumulate over the year to a huge 52 -104 items.  That is actually quite a lot of new things to find homes for unless they are replacing something I already have.
Tomorrow is shopping day – with my meal plan in hand I should only be buying the basics – bread, milk, fresh veg and anything we have run out of.  I don’t know whether to be excited or worried about a trip to Rymans one night this week.  I am clearing our home office / craft room at the moment and need a few more stationery items to complete my new systems.  The temptation could just prove too much!
On a different note my appraisal was OK – glad it is over I don’t feel I get much out of them really and I don’t see how one form can suit all personalities I feel I need to redesign mine to make sense to me!  It will now end up in a folder and like everyone else only be referred to prior to the next review in 6 months time – not how they are meant to be used but I will be making my own goal and task list that I can understand.
Have a good day tomorrow – the weather is certainly improving but for how long?
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2 thoughts on “Financial Focusing review #1”

  1. Your spending is really good – it’s too bad you were housebound for part of it, though! You made such a good point about 1 or 2 items a week adding up to 52-104 over a year. I hadn’t thought of it that way! When I do appraisals for hard-working staff and they think it’s pointless, I tell them it’s a way to document their good work for their permanent employee file.

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