April felt like an expensive month, but actually when I sat down and looked at the figures, it wasn’t too bad at all.
Food spending for me totalled £109.83. We were away for a few days and although we did take quite a lot with us the extra we bought whilst we were away came out of the holiday budget. Mr Simple did the shopping this week, on the last day of the month and won’t charge me until next month. Therefore the total it was unusually low.
Petrol was only £97.05. Usually I buy a tankful every week at about £35, but I didn’t need any in the fourth week of the month, when we were away for part of the week. We went in Mr Simple’s car to Dorset and although I paid towards petrol it came out of the holiday budget.
Personal care totalled £68.15, which included toiletries and three pilates classes.
I upgraded my blog and finally parted with some money for a proper domain name so that cost me £48.
I spent £95.63 on the garden, although Mr Simple paid more, as the plants we bought were a present for my birthday – it’s amazing what makes you happy as you get older. We have bought two wisteria plants. One to grow against the garage wall at the front of the house and one to train up the pergola in the back garden. (If you don’t know what a wisteria looks like check out my post about our Dorset walk).
An unexpected expense was a new sat nav. I seem to go through these very quickly. As I visit different addresses every week for my job it makes like so much easier than when I have to rely on maps. I had forgotten how expensive these great gadgets are. In the end I opted for a second hand one on Amazon for £34.96. It is very basic, but it gets me from A to B. Let’s just hope it lasts.
Payments from my ‘bills’ account i.e. expected expenses which I plan for throughout the year, were:
£85 for the short break in Dorset – I had already paid for the accommodation last month. This included two meals out, tea and cake and petrol. The most expensive thing, the cottage, was already paid for. Although it was an AirBnB rental, it was quite expensive for three nights. I am not convinced that AirBnB is actually always cheaper than a standard holiday rental.
Travel hacking is something I am yet to try. I have looked at house-sitting sites. Mr Simple and I love dogs and the thought of caring for someone else’s four-legged friend for a week sounds ideal for us. The practicalities though might not be so fun, as we wouldn’t be able to go out for a whole day and leave the dog. If we did take him/her walking with us this may present problems. We have seen lots of ramblers with dogs have difficulties when walking through cow fields e.g. instead of running off the cows have surrounded them. In fact, we have had problems with curious cows following us and we don’t have a dog. I have thought of cat-sitting, but we are not cat lovers. I just wondered if anyone has tried house/pet sitting and how it worked out. I have considered trying it for a weekend just to see how we get on, although many of the sites charge a sign-up fee.
I also paid for two sessions of physio at a total of £64.00.
My stocks and shares ISA leapt up from £6788.51 to £7033.10, an increase of £155.97. I also received £250 for my birthday so like the good little saver I am, I added that and the total now sits at £7283.48. I made my usual automatic deposits into two savings accounts of £435.00. One account now has over £10,000, which is enough to buy a car should my current one decide to pack up on me. Fingers crossed it lasts for a few years yet. I will therefore not be paying anymore money into that account and the £185.00 will go into my ISA from May. My savings now total £32,995.95.
When I look at others’ posts they calculate their net worth which includes the equity in their house and their pension pot. Although we have over £350,000 equity in our house, as we are not planning to sell I don’t count this as available money. Secondly, being fortunate enough to have a defined benefit pension I only know what I am going to receive when I get to retirement age, but not how much I have in the pot. My issue is not whether I will have enough money to live on when I get to my sixties, but whether I can finish work earlier and if so what savings I will have to live on. At the moment I have a long way to go. In five years’ time, at my current savings rate I will have about £64,000 saved – taking account of the fact that I may need to buy a new car in that time.
As you know, the only debt that we have is our mortgage and I paid £1108.89 towards that in April, taking it down to a total of £80,217.97.
So that’s all folks. How was your April?