Another week gone already - and we arrive in mid-January. The weather has been cold and wet all week, so people have been miserable (that'd be the rain). Woke up to heavy frost yesterday - that I know what to do with: woolies!! It sounds ridiculous, as a Canadian, to constantly whine about how freaking COLD it is here, but it's true. A +2C day, if it's raining, can feel much, much colder - it's that damp. It goes right through you. I've spent several days at work this week just unable to get warm, huddling in front of my oil heater.
I can deal with frost and ice - I'm welcoming it actually, even if the cold - again - goes right through me. The Yukon was so dry that several layers ensured that as long as you kept moving, you'd be sweating in no time. It's a tricky thing dressing for cold, wet weather, never mind the fact that it's hardly motivating to get out into.
But there's rumours of S-N-O-W in Hampshire and Dorset overnight, so fingers crossed. I'm probably the only person in the entire country to be happy about that, but so be it. I can get bundled up and go for a walk. I hope to see the New Forest under snow, but it is unlikely.
Anyway, what are my finances looking like?
I did a grocery shop today which cost me £73.46. 90% was veggies.
Meat: roast chicken, 2 x salmon, pork chops: £11.02
Non-essentials (cider x 1): £1.65
Veggies: a bazillion greens, cauliflower, lettuce, cucumbers (x 2), avocadoes (x 4) and various other bits: £30.34
Fruit: lemons, limes, berries (various), 1 x grapefruit, 1 x granny smith apple: £13.87
Dairy: 4 x greek yogurt, 3.23L milk: £5.30
Other: rice, coconut milk, cat food: £11.28
Very pleased with the result as I'm hoping that will take me over more than a week's worth of meals. Some of the cost in the 'veggies' section is actually herbs & spices (bottled). Like the rice, they're items that will stick around for quite a while.
I printed off a bunch of recipes from my no sugar programme and thought I could get started a bit early. Sure can't hurt! The recipes are truly delicious, too, and quite simple and straightforward, which is even better. I've decided that I'm not going to stress out about finding the exact ingredients for these no sugar recipes - it can be time consuming and a pain (never mind expensive) and will substitute as and when needed. I wouldn't buy items I don't like simply because a recipe calls for them, so why spend more than I need to on anything else? It's not the letter of the programme, but I think 98% is better than stressing out about an elusive ingredient or two.
I confess I bought my Feb treat(s) early! I got my little food warmer yesterday, along with some cocoa powder and arrowroot powder. I also have another book coming. As I'm not intending to go to the coffee shop while I'm on my no sugar programme, I'm hoping I can stay well within my £40 monthly 'misc' budget, possibly rolling some of it over towards debt payments instead. I think that would be wisest thing to do, particularly as the Canadian dollar is so low at the moment. It makes sense to take advantage of it while I can.
I had car repairs today: £57.20, so not as bad as I was expecting, but still a pain. The auto locks on the driver's side (both doors) weren't opening all the way, so I had to clamber across the passenger seat to open the door. Not a big deal, just annoying. The lock mechanism is old so will, eventually, need full replacement. Those will be £70 (incl VAT) each. At least I only need two - so far - and can do them independently of each other if I need to. But fingers crossed I'm good for a while yet.
I returned one of the shirts I bought last week, too: +£10 and deposited £10 in coin, too.
While I was in town returning my shirt, I stopped at the library for my book that arrived (The Pale Horseman, No. 2 in the Last Kingdom series). Apparenty it costs .50p to bring in a book from another library branch. This is good to know for future reference. On top of DVD/CD rental costs (£2), this is another one I'd like to avoid, as it's possible it could add up. I certainly don't begrudge the library some small charges - god knows they're fighting for every penny they can here, sadly - and in the grand scheme of things, I am happy to pay for a service like that. I'll stick to what I can find at the smaller local branches and in Southampton at the central library.
So the weekly spend looks like this:
|11-Jan||£ 10.00||misc||cash||PAID||Costa||weekly draw for tea|
|11-Jan||£ 5.55||savings||cash||TRNSF||savings||tea/muffin NOT bought wk of Jan 3 + Jan 7|
|11-Jan||£ 4.75||groceries||cash||PAID||Co-op||soup, 2 x buns, ibuprofen, pain au chocolate|
|12-Jan||£ 1.00||misc||cash||PAID||Co-op||2 x chocolate bar|
|12-Jan||£ 31.24||misc||CC||PAID||Amazon||crockpot, arrowroot, cocoa powder, book|
|12-Jan||£ 0.60||misc||debit||PAID||FB||game tokens|
|13-Jan||£ 8.85||groceries||debit||PAID||Sainsbury's||buns x 2, soup, blackberries, bag of cookies, carrots, Kleenex|
|14-Jan||£ 3.29||misc||debit||PAID||FB||game tokens|
|15-Jan||£ 1.70||groceries||cash||PAID||Sainsbury's||1 x bun, 2 x pain au chocolat|
|15-Jan||£ 1.50||savings||tnsf||PAID||Barclay's||covering cost of muffin|
|15-Jan||£ 5.32||groceries||debit||PAID||Ethical groceries||truvia (for Jan, got cash)|
|16-Jan||£ 73.46||groceries||cash||PAID||Morrisons||veggies for week's detox|
|16-Jan||£ 57.20||car repairs||debit||PAID||Cadnam garage||auto locks|
And the totals look like this:
|Rent/Mortgage||£ 450.00||30.9%||£ 450.00||£ -|
|Utilities||£ -||0.0%||£ -||£ -|
|Groceries||£ 250.00||17.2%||£ 188.13||£ 61.87|
|Internet||£ -||0.0%||£ -||£ -|
|Mobile||£ 18.00||1.2%||£ 27.00||-£ 9.00|
|Petrol||£ 40.00||2.7%||£ -||£ 40.00|
|Toiletries||£ 10.00||0.7%||£ 3.71||£ 6.29|
|Medical||£ -||0.0%||£ -||£ -|
|Home Maint./Stuff||£ -||0.0%||£ -||£ -|
|Laundry||£ -||0.0%||£ -||£ -|
|Eating Out||£ 25.00||1.7%||£ 14.90||£ 10.10|
|Car repairs||£ 20.00||1.4%||£ -||£ 20.00|
|Car Insurance||£ 27.43||1.9%||£ 27.43||£ -|
|Cat Protection||£ 10.00||0.7%||£ 10.00||£ -|
|Car Tax||£ 12.68||0.9%||£ 12.68||£ -|
|Train Pass||£ 72.20||5.0%||£ 72.20||£ -|
|Chinese doctor||£ -||0.0%||£ -||£ -|
|Naturopath||£ -||0.0%||£ -||£ -|
|Monthly Treat||£ 20.00||1.4%||£ 24.96||-£4.96|
|[Insert Name]||£ -||0.0%||£ -||£ -|
|Miscellaneous||£ 40.00||2.7%||£ 196.41||-£156.41|
|LLP||£ -||0.0%||£ -||£ -|
|Credit Card Debt||£ 411.26||28.2%||£ 100.00||£ 311.26|
|LOC Debt||£ -||0.0%||£ -||£ -|
|Enter "X" Fund Name||£ -||0.0%||£ -||£ -|
|Savings||£ 55.00||3.8%||£ 65.35||-£ 10.35|
|Retirement||£ 55.00||3.8%||£ 55.00||£ -|
|Emergency Fund||£ -||0.0%||£ -||£ -|