fEAsible, financial focusing, my goals, trEAsury

January Spending Review…

Crutches

At last these are now redundant and my foot almost back to normal.  Thank you everyone for the kind words – at least it hasn’t prevented me from reading your posts.

I have been having a bit of a review of my spending for January – has my financial focus done any good?

January 2014 Spending

This was a 5 week month – my 1st week began on Monday 30th December and the 5th week ends on Sunday 2nd February for ease of calculating and comparing full weeks. 

I had a £38.18 overspend in total with some of that being on groceries, lunches and petrol.  However, if I am careful I won’t have to buy petrol next month unless I go further afield to see my daughter or my mum comes down for a visit.  On the whole I am quite pleased with the result at least having a target makes sure that you limit any temptation to overspend.

The areas I need to work on are lunches and stationery – quite clearly a bit over the budget I have allowed myself!

As you know I am photographing everything that comes into the house that is not food and below are the items for last week.  You can see all the items to date by clicking on the Incoming Items 2014 tab across the top of my blog.  It will be interesting for me to look back and analyse exactly what has been useful or not, what I didn’t really need to buy and what I haven’t even used!  Hopefully none of the last category.

New products Wk 5

A Mascara, 2 x  lip gloss and a bottle of Tea Tree Oil

Shopping Wk 5

You will have noticed the second photo contains all stationery items – once I go into Rymans I can’t help myself it is like being in a sweetie shop – but they are all to help me in getting the office better organised. 

The Deep Tuff box is something I am test driving so to speak.  At the moment it contains all the papers and brochures in connection with our future new Kitchen.  I might also buy one for my extensive garden clippings and notes.  They fit neatly on a bookcase on end and I think they are an excellent way to contain papers in a space saving upright position.

The long thin item is actually called Filefix  – A4 self adhesive filing strip, something that I actually made myself a long time ago by cutting the side strip of one of those thin plastic wallets and sticking the perforated edge to the edge of an instruction booklet so that I can put it with all the other papers in my instructions binder.  Perhaps I should have patented the idea at the time but I am delighted someone else has thought to market them.

These coupons also came into the house this week by post – at least we had no junk mail.  I can use the Tesco coupons for food on our next trip to Scotland and the M&S vouchers for £18 will come in handy for food or a gift or two or even new tights.

Coupons

I hope you had a thrifty January  – have a lovely weekend.

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being thrifty, fEAsible, financial focusing, my goals, trEAsury

Financial Focusing update #11

I know I said I would be working on my budget but after the day I have had at work I think I can be excused any further mental torture.  A night in front of the TV seems very inviting.  I haven’t been idle altogether, I have paid for my car tax online, moved some money into my Regular savings account so that the interest doesn’t drop below 2.5% and paid the M&S credit card bill which was mainly clothes and will come out of our clothes account.

My only spend of the day (besides my lunch) was also one of my biggest savings.  I managed to get a £9 No7 Lipgloss for only £4 and 100 bonus points.   I had a coupon for £3 off any No 7 makeup but in addition I went to the Advantage card kiosk and printed out a further coupon for £2 0ff any lipstick and another for a 100 extra points on any makeup.  Surprisingly the bar code scanner accepted all the coupons even the one for lipstick when I had bought Lipgloss – so I can tell you it is worth going to the kiosk before you buy and just hand everything to the assistant to scan.   Well done Boots you made my day.

Only 3 days of January left and I have still got quite a lot to do.  Fortunately I will be having the afternoon off on Thursday so I should be able to finish more of the remaining tasks.  I am still hopeful that I can complete this Financial Focus within the month as I would like to be able to move on to my next focus.  I have a few ideas of what this will be and no doubt I will enlighten you in another post.

Tomorrow I will be meeting my friend for lunch, we usually go to Costa and I am hoping I will have enough points to cover part of the bill.  Hope you all have a good day. x