Once again I am facing the moment of truth. Sometimes we can think we are doing well and spending less but the figures at the end of the month never lie.
Overall for February the total outgoing money was much the same as January but the amounts in each category had shifted around – a bit like the sand and pebbles on our beach at the cottage.
To summarise; the housekeeping, household bills, cards and gifts were lower than last month but fuel costs, eating out, health and wellbeing were higher.
The housekeeping money (which for me includes groceries, whole foods and supplements, magazines, cleaning supplies, toiletries, face creams, make-up, postage, stationery and flowers for the house when I buy any) came in at £367.00, but of course it was the shortest month so maybe this wasn’t a great achievement and remember I am not an all out frugal blog by any means (stop reading now if you were expecting severe thrift or you will be disappointed) – I like a bargain and I like to live within my means – I also like hanging on to my savings for dear life but I don’t particularly buy cheap in all cases in fact I like quality and value for money so I assess everything I buy with that in mind whether it be food, clothes or a garden tool.
I know there are many of you out there who would do much better than me but this is my way of cutting the spending down and buying less without making myself totally miserable or obsessed and I am pleased with myself if I find I have spent less than last month. I haven’t even set category budgets for myself – I suppose I should really but I know I have to stay within the bounds of our one state pension for most of our day-to-day living costs and save a bit if we can. When we have lived on the pension for a while and have definite figures to work on then I can adjust and budget.
So how did I do…
Transport and fuel costs
February was heavy on fuel costs not just for the car but during the warm spell we had recently we had to buy petrol for the mower in order to cut the grass! The trip up to Scotland and 2 round trips up to North Yorkshire increased this category to £180 ouch! In compensation there were no other transport or car related costs but we do have an MOT coming up next month.
Total costs of seeing the world and shaving the grass: £186.87
Health and wellbeing costs
February saw us both at the hairdressers for a cut and blow dry. We go to the same local hairdressers – not together I might add, that might be a little strange!….and whilst mine is £26, DH only has to pay £11 but then his hair is much shorter and he has less of it. For me it is worth the expense, I always feel much better afterwards.
Total cost of a brand new me and him: £37
Our central heating and hot water runs on gas and we have a coal effect gas fire in the living room. The heating is on from 5 pm to 8pm – after that we will just put the gas fire on if it is really cold whilst watching the TV or sometimes for a bit of glow on the lowest setting. The gas bill for February came in at £69 plus VAT. I didn’t think that was too bad – helped of course by the milder weather and watching TV during the evenings wrapped snuggly in a throw rather than putting the fire or heating on.
Total costs for the joy of warm toes: £72.63
Grocery and housekeeping costs
Surprisingly I spent less this month than last (but then it was only 4 weeks long) however the average per week on groceries alone worked out at a little more than last month @ £77, (£309 for the month) but we did take advantage of a lot of items on offer so are pretty well stocked in the grocery department. Some weeks I do better than others and have more time to plan – sometimes it is all a bit rushed and that is when I do spend more but we have been having some nice meals recently and I have been trying new recipes.We had a surprise freebie in Tesco in Castle Douglas in Scotland when they were handing out free rolls one evening. You couldn’t beat this yellow sticker price! I didn’t buy any toiletries or face creams during February but did treat myself to some flowers for the house.
Total cost to eat and be merry £361.87 and a bunch or two of cheerfulness £5.
Home and garden purchases
Once again just bits and pieces bought in this category but it still added up to an alarming £106 – I had to look twice at this in disbelief – but it is there in black and white and needless to mention this cost will be taken from savings not the pension – the pension does not allow for frivolous purchases that consist of:-
- 2 large storage boxes with lids for in the loft to replace some old cardboard bankers boxes
- 3 lidded craft storage boxes to hold our old slides
- 1 small 4 litre Maslin pan to make jam and marmalade reduced by £10 to £19.99
- 2 glass lidded containers from Muji for cotton wool and cotton wool buds (this was a definite treat); I love Muji products for their simplicity and have wanted these for ages and couldn’t resist when DH gave me the OK nod.
- Portable Muji diffuser – on offer at the Muji store – gives out 2 hours of real essential oil fragrance
- 2 Pillow protectors on sale in Sainsbury’s for £3.60 – decided against the dearer John Lewis ones and will return them.
This is certainly a category to watch – those little bits here and there add up to quite a lot.
Total cost for unavoidable household
needs wants: £106
Gifts and card costs
Gifts and cards came in lower than last month – only a couple of birthdays and mum’s belated birthday book token. I already had a Valentine’s card and a stock of birthday cards and luckily none of the birthdays required a gift, so much cheaper month than last.
Total cost to gift away: £22.50
Crafts and hobbies
Confession – I bought two books (I include books in my Craft and Hobbies category). Simple Sewing posted here, and The Stress Solution by Dr Rangan Chatterjee. I bought his book The Four Pillar Plan a while ago and it is one of the best general health books I have read and continue to reread and am trying to put into practice. I couldn’t wait for his new book to appear cheaper in The Works so splashed out the £8.49 in Sainsbury’s.
Having tried a bit of crotchet with the hooks and wool I bought last month it became apparent I would not be making any baby clothes any time soon – I couldn’t even crotchet a square and will need more time to practice so I decided to try my hand at knitting again. I bought a baby pattern £3.10 and 3 balls of Sirdar Baby Crofter from Hobbycraft @ £4 ball to make a jumper for Sweetie and now realise knitting your own is not a cheap option. DH just smiles!
Total cost to keep me busy: £27.78
Leisure and Entertainment
I spent a worthwhile £15 on the pantomime tickets (no discounts even though I am related to the stars of the show!), however I do still have to pay my sister for these when I see her. Of course the petrol costs to get there would have been about £30 – but she is my sister and of course Libbie (Little L) was so thrilled.
Other than that our other entertainment this month was visiting Ikea – totally free!
Total costs of a good belly laugh: £15 (not including the fuel a definite boo!)
This continues to be much reduced now we take picnics everywhere or get free drinks in Ikea – but is higher than last month as we had our trip to Scotland and bought a chip butty tea each on the way up and back £7.70. Mainly though our only regular expense is the pre shop drinks in Sainsbury’s café every week £4.10, DH always comes along with me now since I am no longer at work (probably to keep an eye on the spending!) so it doubles this little indulgence – if we gave this up we would be down to zero pounds unless we elect to treat ourselves for lunch out, which we did at Costa en route to the Pantomime.
Total costs to satisfy our healthy appetites: £52.25
Clothing and footwear
I bought a grey long-sleeved t-shirt from Sainsbury’s – it was, I am pleased to say, a considered purchase. I bought one last Autumn and love it so much I invested in another before they disappear, they are great to wear under a jumper and keep me snug and warm in the cold weather – so a small price to pay. I also needed to replace some old wornout black socks that I wear with my jeans and leggins. One pack of five from Tesco for £5 – they have the same patterned rib as the previous ones I bought two years ago which is great as I won’t need to spend time matching socks after washing them.
Total cost to looking totally
glamorous presentable: £9.75
As you might expect the spending in the different categories has ‘see-sawed’ a bit this month. What was a low figure last month was higher this month and vice versa. I am enjoying the books, enjoying the knitting (more on this another day) and will no doubt enjoy making some jam and marmalade.
So a few new items have entered my home but what has gone out…I will reveal later.
As usual hoping to do better next month and any advice is always welcome….xx
If you want to read January’s tally click here
17 Replies to “trEAsury ~ the February tally”
The books look interesting. I will look out for them as I like Dr. Chatterjee and have seen him in a few programs. I always write down what I spend too as it really does help you to see how little bits and pieces add up.
It can be enlightening and horrifying tracking expenses. I was pleased with some of the lower spending but at the end of the month I do worry about where all that money has gone. Dr Chatterjee is a breath of fresh air who talks a lot of sense and gives good advice – just need to follow it now!!
I think you are doing brilliantly and love your blog. I have written before a short while ago. I’m due to take early retirement in a couple of weeks (56) and although I will have a pension I want to try and be more careful and not fritter my money away. Hubby is still working though and I have two sons at home currently. I love how you are trying to be frugal, but not in a miserly way and that you do appreciate quality because as the saying goes “buy cheap, buy twice”. It is so hard these days as you are bombarded with advertisements all over the place trying to make you buy things you don’t really need. I will continue to follow especially now I am almost retired!!! Thank you for taking the time and trouble to blog it is appreciated x
Thank you for such lovely comments – I only started my blog as an online journal for myself and am endlessly surprised that people want to follow – but I too follow other blogs as part of their lifestyles overlap with mine or they inspire me to do better or more craft (which I need).
I hope you take up blogging when you retire – I am sure I could learn things from you. x
I forgot to mention earlier that Dr Chatterjee does a fantastic weekly podcast (Feel Better Live More) which you might find very interesting as he has some fab guests, but not sure if podcasts are your thing, but if they are I hope you manage to tune in. x
Thank you I will investigate.
Your gas bill seems much cheaper than ours. Gas has skyrocketed here because he companies sell it to China so our local market loses out.
I have no idea what an average monthly bill should be for just heating and water alone – you never have anything to compare it with so I compare with previous months / years. Of course having to switch and change for the better deals leaves it almost impossible to track in any coherent way. DH has a spreadsheet tracking it – it is complex and invoved – I prefer to try and save on it by turning things off and using less hot water!
China has a lot to answer for!
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Considering all the turmoil you’ve experienced the last couple of months and the amount of driving you’ve had to do, I think you are doing very well. I keep a general eye on spending, but not every item even though it is a good plan to do so. It doesn’t take more than a few seemingly small purchases to add up and derail good intentions.
The little bits and pieces I get add up really quickly to a large amount and I always think for that £100 on bits and pieces I could have bought the dearer item I would have really liked to buy if the price hadn’t put me off. For instance there are some wonderful real duck down soft pillows in John Lewis I look at them every time I go – they would be great for my neck tension but they are £50 each. I could have bought at least one, even two with the £106 I spent on the numerous bits this last month!!
I have got those 2 Dr Ranjan books in my Amazon wishlist, I have heard others mention how good they are.
I like them because he is a trained doctor but has a good interest in preventative medicine and using food and diet to control illnesses rather than just handing out tablets. In my mind it is the way to go for the NHS rather than this firefighting they do now.
I love your list! I wouldn’t dream of trying to give you tips on how to save loot as I am forever trying to cut down our weekly shop bill, but it’s not easy. I’ve managed to slash it down quite a bit, but I always let myself buy flowers each week. I give myself a maximum of £8 a week on flowers, which gets me quite a bit. That’s about as much as I would share on my finances!
I’m glad you aren’t a frugal blog, I like you just as you are. xx
Thanks Sadie – when we were both working it was always easier to overspend as you knew you had next months income guaranteed – now on a pension all those extras eat into your hard earned capital – it wouldn’t be so bad if the interest rates were better on savings. Many of my reasons for cutting down on our spending stem from a desire to live more simply with less stuff (I think it is an age thing – you are not there yet!) -but I can appreciate everyone elses without owning it myself – flowers are good this way as they don’t last.
If we lived closer I would be coming round for coffee to admire your lovely flowers. When I buy them for myself now I always think of you – I love the way you set aside this money for your pleasure it is something I have tried to copy from reading your blog – I think you have a good balance in your life – so please don’t change. I know you have said before you find frugal blogs difficult – I read some for ideas but am not in their league just trying to do the best I can on our limited income – I think we have all had to learn to tighten our belts a bit in the current climate. xx
I love those Muji jars. I could be sorely tempted by those myself. Very simple but beautiful design.
Thats why I like them too – they closed the Leeds store down a few years ago now so I only get to look around Muji if we go across to the Trafford Centre, which is not very often now and so if I do want to buy something I have to make my mind up quickly as it is a bit of a treck to get there now.
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