September Review

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The main event this month was my holiday in Italy with my mum. Although I spent money on the holiday, this all came out of money I had saved throughout the year.

Mr Simple and I continued with the 5:2 diet, although both had a break from it when I was on holiday – Mr Simple put on 1½lbs, but lost it again the following week and then over the last week he lost 2½lbs more.

The Labrador retriever cross that has stayed with us a couple of times came back for another week. He came to the airport with Mr Simple to collect me and Mum. We have now said our final goodbyes to him and have an Alsatian staying with us for a little while. Despite looking slightly scary he is as daft as a brush. Mr Simple his extra weight loss last week as due to all his walking with the dog.

Someone pulled out of a side road and crashed into my car just after I came back from holiday so I had a hire car for a week. It was a Vauxhall Astra, only a year old and just under £20,000’s worth of car. Almost everything was automatic – windscreen wipes, lights – you didn’t have to think for yourself. It also had integrated sat nav and digital radio. Quite a step up from my nine-year-old Toyota Yaris, worth about £2000, but not something that I would chose to money on in the future.

I had my bi-monthly meet up with old colleagues in our usual cheap eatery and spent under a tenner on food – drinking tap water – something I missed in Italy. It was also our village women’s group meet up in the pub and then I went for drinks at a neighbour’s house. Her home is enormous – like a mini-hotel with at least five bedrooms. She is certainly not an example of the frugal lifestyle as only her and her husband live there. I think though that she may be an example of FI/RE as she is probably about my age and yet she doesn’t work. I heard that she had a big redundancy pay out and that is how she affords the house and not to work.

I finally updated my mobile phone as it will stop supporting Whatsapp in December and it crashed the other day – I had to take the battery out to stop it vibrating. The chap in Carphone Warehouse seemed quite amused by the model I had. I was paying £9.50 per month and have increased now to £9.99 so it will hardly break the bank and the phone is much better. I was absolutely gobsmacked at people coming in and asking about the latest phones at £60 a month. I know that it is about deciding what is a priority in your life and spending your money on that, but I struggle to see what an iphone (which I do have for work paid for by my employer) can do that my £9.99 Alcatel can’t – for those of you in the know I would love to be enlightened. As well as the 49p extra per month I have had to spend £7.99 on a new case as my old one won’t fit the new phone.

As well as my phone almost dying the bulb in my sunrise lamp blew this week. You don’t realise how much you miss something until you don’t have it anymore. I had forgotten how horrible it is to wake up in a dark room and have to turn on the bedside lamp, blinding you as you do so. Mr Simple has ordered two new bulbs for me so I will always have one spare in the future and won’t have to be without it again. As an aid to making winter mornings easier I can’t recommend it enough. It may not be cheap, but if you are trying to get up earlier in order to expand your morning routine I think that it is invaluable.

So, let’s look at the figures…

Another good month on progress with the mortgage. The standard monthly payment was £524.30 and then we made an overpayment on the mortgage of £594. This leaves the balance on the mortgage standing at £75,286.14.

Savings are a grand total of £35,725.91. My Vanguard stocks and shares ISA made £58.75.  As usual I saved £185.00 to Vanguard and £250.00 to Nationwide. As I write today is payday and I have found out that I have received a pay rise, which has been backdated to April. It is only £75 per month before tax, but better than nothing and the backpay comes to just under £300. It will probably go into my ISA, but I haven’t decided yet.  

Interest on Marcus account which I am using for stoozing was a grand total of £7.91.

General spending

Food £151.66 – slightly over budget. Mr Simple spent some money at Waitrose when I was away. We also did a big Tesco shop and so this included cleaning items, which all come under the umbrella of food. I am hoping that I won’t have to do another large shop until November.

Petrol £88.52- under budget again this month, which is expected as I was on holiday for a week.

Pilates £8.00 – missed two sessions due to being on holiday and then the teacher was on leave last week.

Toiletries £32.57 – I spent over budget this month, although only slightly as the budget is £30.00 and I bought loads – two tubes of hair removal cream, shampoo, conditioner, two deodorants, intersticial dental brushes, four bottles of shower gel, body lotion, two tubes of toothpaste, moisturiser and facial wash. Many of the products were from the Tesco essentials range so extremely cheap e.g. shower gel at 28p a bottle.

Social £42.40 – two meals out with friends, a drink in the local pub, theatre tickets for a play next month and a ticket for the community cinema which is starting next month in the village.

Miscellaneous £59.45 – as usual this was items bought by Mr Simple, including a new digital radio for the kitchen as the last one finally gave up the ghost, mobile phone case and two bulbs for my sunrise lamp.

Expenses from bills account – expected annual/regular expenses

Physio session £32.00 – again only one session this month mainly due to being on holiday.

Gifts – £10.00 towards a leaving present

Spending money for Italy holiday – £176.53, which went on the extra trips and lunches

Car insurance £211.17

So that’s it. I’ve got some money left in my current account so I’ll probably treat myself to a couple of books and then transfer the rest to my ISA.

How was your September? I’d love to know.

6 Replies to “September Review”

  1. Congrats on the overpayment on the mortgage, you’re doing great! As far as the phone goes, I’m all for that. I can’t believe people pas 60£ per month to get the latest iPhone. I currently go for a sim-only, where I buy the phone and the simcard seperate. I pay €8 per month for the sim and my phones are always under €200! £7.99 per month including phone is extremely cheap, well done!

    1. Radical – lovely to see you. I think the mortgage overpayment may not meet the approval of some as they would say we should invest the money, but we want to have the peace of mind of not having a mortgage. The phone is £9.99 per month, not £7.99 (that was for the new case), but I feel that it is still very reasonable.

  2. Good job on the mortgage overpayments. We did similar for 6 years and cleared it completely.

    Those saying you should hedge and invest it instead often miss the mental well being of not having debts over your roof & a house for life. I worry less about work now that we’re mortgage-free.

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