Sunday, 28 February 2021

Monthly Expenditure Round Up - February 2021

Well, it didn't turn out to be a much better month on the savings front this month, mainly due to having to pay off a couple of largish credit card bills. As a consequence, I only managed to save a couple of hundred pounds, divided between my savings account and LB's college fund, but anything is better than nothing.

I have, however, been better this month on the spending front and haven't spent anywhere near as much on my credit cards, so the bills should be lower next month and I will therefore be able to save more. (Let's hope so anyway)

I did splash out on an ASOS order, a hula hoop, some tape to decorate it and a new cycle helmet this month, but these were the main items. I spent £23 at Wilko this week on bits for the garden and allotment. It was the first time I'd been in there for years and so I found it difficult to resist some of the items they had on offer.

Budget wise, the Food budget went over by £11.87, which wasn't too bad. It would have been worse, had OH not paid for one top up shop last week.

Household also went over by £27.28, most of this was from stocking up on items of food for the dog and a few toiletries. I'm pretty well stocked on these for a couple of weeks now.

My personal expenditure also went over by £91.33, which is bad, but the things I bought I did feel were necessary and probably did help to cheer me up in what's been a pretty awful month. I'm hoping that next month, I'll be able to curb my personal spending a bit better, as there's not much left on my list of wants or needs and no birthdays I need to buy for again.

More positively, the Misc and Home budgets were underspent by £22 and £34 respectively, so it wasn't all bad news and I didn't need to spend much on gifts, save for a few bits for Valentines day.

In total, I spent £300 less than last month, which is quite a bit better. I managed 14 no spend days, which was one less than last month, but it has been a very short month this month. (My excuse and I'm sticking to it). 

Must try harder.


3 comments:

  1. One of the key things with finances is to be aware of your spending even if you overspend so I think you do amazingly well tracking where your money goes and 14 no spend days is certainly a great achievement.

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  2. Being under total budget is a wonderful thing. I am pretty sure we will be way over budget next month as we will be having meals brought in.

    God bless.

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  3. Well done for being under budget! That is fantastic! It's really good to track where your money goes. I seem to have spent a bit on the odd trip to the COOP during being at home but finances were looking good so I overpaid our mortgage by the 3 months.

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