I feel as though not a lot happened in August, mostly I think because the weather took a turn for the worse up until the Bank Holiday weekend, which was a scorcher.
Mr Simple and I started the 5:2 diet and he has lost 6lbs, whereas I’ve only lost 1lb. Fortunately I don’t need to lose weight. I think the reason for my lack of progress is that on the days where I can eat, I am eating more than usual to compensate for the fast days. Usually, when I am not dieting, I tend to eat very well in the week, avoiding carbs except at dinner. Now, the morning after fasting, I tend to have a slice of toast with breakfast, as I’m starving by that point. There are apparently other benefits to fasting apart from weight loss such as better blood sugar control, which can prevent type 2 diabetes, so hopefully it’s still doing me some good. I will keep going as it is working for Mr Simple and he is the one that needs to lose weight. Once he has achieved his ideal weight I can then decide whether to revert to my original eating habits or not. The risk is that for Mr Simple, who likes his bread, this may mean weight gain, but we will just have to wait and see.
The trainee guide dog that stayed with us during our staycation week in July returned for a long weekend at the beginning of August. One day we took him to a local country park and he got absolutely filthy. He loves the water, but at the park there were only muddy ditches, so he was very grey looking by the end of the walk. Unfortunately he also rolled in something brown and smelly (probably pooh). We had to take him to our usual walking spot near the beach so that he could go in the water and get clean.
I managed to finally get around to meal planning and it went extremely smoothly. Although I am away for a week in September I have already planned our meals for the rest of the month.
For many years now I have had a recurring ear infection. It’s not the usual type of infection, but the cold sore virus, which is living in the cartilage in my outer ear. I will never get rid of it, as those of you who suffer from the usual facial cold sores know. Unfortunately, every so often it flares up and gets infected, meaning that I have to take antibiotics, which I hate doing. After listening to a podcast about your ideal life I made some notes describing mine and included in the health category an absence of this infection. At the time I didn’t think much of it, just a pipe dream which isn’t realistic, but then I started researching cold sore prevention and came across lysine. It’s an amino acid which is believed to be effective at preventing this pesky virus. We have a great health food shop in the local town and I managed to buy a bottle of them. Unfortunately the tablets are enormous and I am not great at swallowing tablets at the best of times. I am making an effort though to take one half way through my breakfast, which helps push them down. It may be that this makes absolutely no difference at all, but I thought that it was worth ago. Before making the goal of not having any ear infections I didn’t even think it might be possible, but writing down the goal made me do some research and hey presto, a potential solution, or at least something which might reduce the frequency. I will keep you posted.
I received my pension statements in August. I will be able to draw on two of them aged 65 and the third one aged 67, when I get my state pension as well. As I’ve said before, I am fortunate enough to have a defined benefit pension, but it won’t be enormous as I’ve only been in full-time work since I was thirty-two. One pension is from my first job which I had for eight years and the other two are from my current job, as the organisation changed the scheme hence one maturing at 65 and the other two years later. At present I will get £10,500 at 65 and a further £4000 at 67. If I get the full state pension, which at the moment I don’t qualify for, not having worked enough years, that would be £23,500. In today’s money that’s not bad and as the mortgage will be long gone will be plenty to live on. As I’ve written before the problem is not the pension, but how to live between now and then without working full time.
Mr Simple and I have booked a few days away in the autumn at a nice hotel in Somerset. My budget for physio allowed for fortnightly sessions, but I haven’t gone as much as that so there is plenty of money left in that pot. I am going to use the excess to pay for this unplanned break.
On the blog I had 2707 views and 582 visitors, both numbers up from the July figures. Comments were fewer, but I am hoping that was due to visitors only having time for a quick read as they were on holiday or out enjoying the sunshine (when there was some).
As I write I am about to have my last day at work before my holiday and have been driving around listening to my Italian CDs which I got from the library. Really looking forward to this indulgent break. Although Mr Simple and I have been away even our holidays have been frugal.
So, let’s look at the figures…
Another good month on progress with the mortgage. The standard monthly payment was £528.34 and then we made an overpayment on the mortgage of £590. This leaves the balance on the mortgage standing at £76,282.58.
Savings are a grand total of £35,232,16. My Vanguard stocks and shares ISA has been mostly down this month and by the end of the month I had a total of £8577.12. As usual I saved £185.00 to Vanguard and £250.00 to Nationwide. I had a little money left over and so invested a further £50 to my ISA at the end of the month.
Interest on Marcus account which I am using for stoozing was a grand total of £7.32. I had forgotten how long I had interest free period so rang Tesco and it is until July 2020. Loads of time to go to accrue interest for me.
Food £131.56 – this included a monthly order from Tesco and a few top-up shops of mainly fruit and veg. The two freezers are bursting with produce and meals such as dahl and veggie burgers so if we need to we could live out of them for a while.
Petrol £89.17- under budget slightly.
Pilates £24.00 – managed to get to three sessions.
Toiletries £16.45 – this was two packets of hair dye which were on offer and the lysine pills.
Social £11.85 – very modest considering that my budget is £50. This was a drink out with a few neighbours and two lunches at work (the meals are very cheap, due I think to it being subsidised).
Miscellaneous £100.45 – this was mostly spent my Mr Simple on bird food and items for the garden. Way over budget. I sometimes think that I need a separate budget just for our feathered friends as they cost us a fortune.
Expenses from bills account – expected annual/regular expenses
Physio session £32.00 – only managed to get to one. I had to cancel two sessions due work.
Somerset £85.00 – this was the deposit for our break in autumn.
Gifts – £50.00 for my nephew as it was his birthday this month.
Hair £16.00 – I go with it wet and just have it cut these days, dying it myself.
So that’s it folks. I am finishing this off just having got back from Italy and will let you know how they went in a future post. For now, how was your August? I’d love to know.