This month was always going to be a tough one financially, as I had a few yearly bills coming up that needed to be paid, namely my yearly gym membership fee and the allotment membership fee. There was also a birthday gift in the family.
Overall, however, the month hasn't been too bad, but I do always find that I spend way more on groceries and household items than I expect every month. I've not been overstocking either, just buying what we need, when we need it, which is concerning, especially as there were 5 grocery shops this month, on account of my including the last shop of last month in this month's budget, due to running out of money towards the end of last month.
As might be expected, I have almost run out of money before the last grocery shop has been carried out this month, but I do still have £40 left to go towards the final shop, the remainder just had to come out of next month's budget. It's not ideal, but it's not the end of the world either. I don't think my budget of £450 per month for food and household items is actually enough now, as I always seem to spend much more than £100 each week. This month, for example, I spent over £600 on these two categories combined. All I can do is to keep doing my best to stay within the budget, regardless of external circumstances, such as inflation and shrinkflation, that are more and more visible virtually every week.
I could, of course, have budgeted better and not spent £30 in the charity shops and £20 at the Knit & Stitch show, but I needed a bit of light relief during the month and I am slowly getting a handle on my thrift shopping. It's just taking a little time to get it fully under control. I don't think I could ever go completely cold turkey on it.
The expected bills and birthday gifts got paid for. The allotment fee didn't go up this year, which was good news, so that was £35 paid out, but my gym fee did go up to £48, which was around a 10% increase on last year.
It wasn't all doom and gloom this month though. My birthday was a high point in the month and having a day out with LB at the Knit & Stitch show, going out for a meal with OH and receiving the gift of an overlocker from OH made it a lovely birthday. I didn't really need anything else. I've got so much stuff. It will, however, come in very useful to make my own clothes going forward. We also won a £10 Amazon voucher too, for our work on the allotment plot, so that was a positive.
The main thing is, that I got through a challenging month financially, relatively unscathed. I'm slowly getting used to reducing my spending habits and being very selective how I spend my money. I feel like I'm making progress and learning to manage better on my new more restricted income, so it's all good.
I did do a bit of Xmas shopping this month, buying a few items for LB that were on her list. I've still got more to buy, when she can think of things she needs/wants, but I've still got a separate budget for that this year, which has been a lifesaver in my current circumstances. I'm so glad that I put money away every month towards it, as you never can tell what is going to happen in the future and it helped give me the option of walking away from a job that I was no longer enjoying and taking some time out.
I haven't really bought much for OH yet, save for some hamper items and a few small bits, but there's time yet. Hopefully, I'll get all the gift buying done by the end of next month, so I won't be running round in the silly season and can enjoy the lead in to Xmas.
Other than Xmas shopping next month, I haven't got any other bills on the horizon. I will probably pick up a few more Xmas food bits to spread the cost, but other than that it will be business as usual and with it being just a 4 (1/2!) week grocery shop month, it may be easier to stick within budget. I hope so anyway.
How was October for you?

































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