I entered June, worrying that I was going to struggle to keep within budget, as I'd overspent a little in May. I promised myself that I wouldn't buy any clothes, but our holiday put paid to that and I did spend some money on them whilst thrifting and at the car boot sale. It didn't, however, really set me back too much and I managed to keep somewhere near the budget for most things.
I thought that by the 5th grocery shop of the month, that I might have to use some money from July's budget, which I did, but thankfully only £15. It could have been a whole lot worse, but wasn't, mainly on account of a few vouchers used during the month and some savvy shopping.
To be honest, every month it a bit of a squeeze at the moment now I'm not working. I just have to be disciplined and stick to the weekly shopping list. The visits to the charity shop and carboots, using my thrifting budget, do help to keep me sane and entertained. There's always the garden and allotment to keep me busy too and as the allotment is now producing food, it is saving me a bit of money on some groceries.
I sowed some sunflowers this month, both dark red and yellow ones. I bought four packets of various seeds for £1 from a charity shop, when we were on holiday in Lincolnshire. I've now got 10 sunflowers seedlings to grow on and plant out for very little money, providing they all survive.
I did have some positive news this month, in that I got an update on one of my pensions, which is due to be paid to me later this year. It had gone up a little bit, which was good news, but I won't be rich by any means and it may take up to 6 weeks to receive it after turning 60.
Also I found out that the free London travel pass for over 60's, that I can apply for later this year, is not actually free. A friend who is also turning 60 this year had done her research and it actually costs £60 for the first year you apply and then £18 per year thereafter. I will probably still apply for it, but I'll just have to make sure I get my money's worth and do a lot of travelling around using it, especially for the first year. I should be able to travel for free after 9.30 am, as far as Reading in one direction, so I could visit lots of different places around the edges of London, if I put my mind to it.
Some other good news, that I found about about whilst doing the month end finances, was that I'd unexpectedly received £155 in dividends from some shares I hold. This was timely, as it went straight into the account that I am using to give myself £250 spending money each month and should help to stretch these savings out until my pensions kick in.
Going into July, OH is going to be away for 10 days this month on a cycling trip, which will mean that I won't have to buy quite as much food, so this should save me a little money. In addition, I will be on harvesting and watering duties at the allotment and in the garden whilst he is away, so this will keep me very busy.
In addition, I'm hoping to do some more cleaning and decluttering in the house this month and possibly weave another rug, which should also help to keep me busy. There's work to do in the garden too, washing pots and replanting a border. I'm also hoping, if the weather is cooler, to do a bit more walking, as I've fallen out of the habit completely this month and the extra exercise will do me good.
I will be going away for a couple of days with LB to Norwich this month too. I've wanted to visit this city for a while and OH has treated us to a two night stay whilst he is away, so that is something to look forward to. It will probably include some thrifting and a car boot sale, but I'll tell you all about it.
As a consequence of the above, July is going to be a little different. I'm looking forward to it and getting the house and garden in better order, weather allowing. Do you have any plans for July?
.jpg)





















