October Spending

A label saying October and some acorns
Did you make any progress on your money goals this month?

If you’ve landed here for the first time you may wonder why I am baring all about my finances. Since I discovered the FI/RE movement and started my journey towards being more financially secure, like others in this niche, I have jumped on the bandwagon of doing a monthly review.

Even if you don’t have a blog I can’t recommend it highly enough. It is such a good way of looking at what went well and examining areas in which you could have been more frugal. It’s not only a tool for looking back, but a monthly review helps you plan for the future. I have learnt where I need to increase my allowances for next year. For example, we seem to spend money each month on bird food, so it probably deserves its own category!

How did October go for you moneywise? For me it was a more expensive month than usual. Some of my regular spending was less, but there were some unexpected expenses. Let’s see how it went…

Income

My only source of income is my monthly salary. Last month I received a backdated pay rise, but in October it returned to the usual amount which is £2726.17.

Household Bills

We are plodding on with our quest to reduce the mortgage. The standard monthly payment was £520.18 and then we made an overpayment of £591. This leaves the balance on the mortgage standing at £74,354.86. As we overpay every month by over £500 our monthly payment decreases the next month and Mr Simple then usually increases the overpayment amount. Instead of decreasing the term of our mortgage Mr Simple suggests that we should aim to get the monthly payments down to a very low amount where we hardly notice that we’re paying it and then just let the mortgage run to term. What’s your view on this?

Gas and electricity was £95.35. This is our usual direct debit. We are £191.44 in credit and I am hoping that will be enough to carry us over the winter so that our monthly payments don’t increase next year.

We paid the standard amounts on these bills which we can’t change:

  • Council Tax £258.00
  • Water £40.50
  • TV Licence £12.83

Okay, actually we could reduce the water bill, which is metered, and it is lower than last year when we spent a lot of the hot summer watering the new lawn that we had had laid.

This is going to cost us nearly £30 a month from November

Our internet and phone bill was £27.85. We are currently with John Lewis who are putting up our bill by £2 per month. As usual they are offering a £20 a month deal for new customers, but loyal ones like us will be paying almost £10 more than that. At the moment we are paying for free evening and weekend calls, when in fact we rarely use the landline. Mr Simple is going to see if we can drop that and hopefully get the price down. John Lewis’s service is provided by Plusnet so we may change our package to them if we can’t reduce the monthly payments.

Any suggestions for broadband and phone providers? We were with TalkTalk at our previous home and they were completely useless so we certainly won’t be returning to them even if they are cheap.

Savings and interest

My savings are a grand total of £36,227.74. My Vanguard stocks and shares ISA made a loss and stands at £9,072.69.  As usual I saved £185.00 to Vanguard and £250.00 to Nationwide. My savings account with the Nationwide matures in November and so I will get some interest, but the rate will decrease. I plan to close the account and move the money to my ISA.

Interest on my Marcus account, which I am using for stoozing, was a grand total of £8.43. Part of me wonders whether this stoozing is worth the bother as I am not making a fortune, but I suppose it is free money and I’ll keep going for the time being. I am getting to the limit on my Tesco credit card so I may not be able to use it much longer without either getting the limit increased or paying off each month what I spend. Even with the latter arrangement I would be able to keep £10,000 in my savings account, which is giving me 1.75% and over the next 8 months (until my 0% interest rate runs out) I would make about £100 to add to the interest I have already made.

General spending

Food £114.39 – under budget by £25.61. We ate a lot of food out of the freezer; mainly meals that I cooked over the past few months and froze. I also bought some dried fruit and nuts which I purchase online.

Petrol £109.57 – under budget this month. Yet again I had a week off so did fewer miles.

Pilates £24.00 – managed to get to three sessions this month. It’s good to get back to a regular class.  

Toiletries £13.90 – this was two extra large bottles of lysine tablets which I am using to try to prevent the cold sore virus in my ear erupting. It was on special offer at the health food shop and so I splashed out. Otherwise it was a very cheap month.

Watching a film in the village hall cost me £9.50

Social £55.40 – this included a ticket for the village cinema, plus a very frugal £2 spent on the raffle and snacks. The price of the ticket, which was £7.50, included a very large glass of red wine, which I would happily forego if I could pay less for the ticket, but it doesn’t appear to be an option. I paid the balance on two Christmas meals, which put my spending over the budgeted amount of £50, but fortunately not by much.  

Miscellaneous £181.97– I massively overspent in this category. It was mainly due to purchasing a blind and lampshade for the spare bedroom (although we did get them at 40% off in the sale) and buying a new handbag. I have a very old canvas bag that I bought from Next donkeys years ago and have been looking for something similar for a long time. Mr Simple calls it ‘the grand sac’ – a reference to the fact that I use it a lot when we are on holiday in France each year. Unfortunately it is very torn at the front and so I decided that I needed a new one. Canvas bags don’t seem that popular, but when we were away in Somerset I found a great shop in Dunster selling lots of canvas bags and they had one in just the size that I wanted. It was £32.99, which in the world of handbags, isn’t a lot.  

Expenses from bills account – expected annual/regular expenses

Physio session £64.00

Staycation and weekend away £217.46. Most of this was for the hotel and the evening meals.

Car battery – £80.87 – you may remember that my car broke down and it was the battery that was the problem.

Invested £125 on blogging – lots of studying to do over the winter

The blog – £124.63 – I have never spent money on blogging courses before, but I was persuaded to buy the Genius Blogger’s Toolkit. This is a package of about 100 courses. It must be worth thousands of pounds. I have downloaded a couple of the courses and started working my way through it. Mr Simple (who doesn’t know about the blog) is disparaging about blogging as a career, but there is so much more to it than there seems at first glance.

The first course that I started suggested moving from WordPress.com to WordPress.org, which means managing the site yourself. The good thing about this is that you can start adding plugins, a lot of which are free. With WordPress.com you have to be on their business package which is about £200 a year to get plugins. The downside of the move was that I needed to move my hosting to another providers. I chose Siteground as it is adequate for what I need and was a reasonable price.

So there you have it. Any observations? Where could I have saved more money? What do you think about our mortgage tactics? Should we reduce the term instead of the monthly payments?

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.

August Review

We started the 5:2 diet this month

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.

General spending

The local wildlife is costing us a fortune

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.

August Intentions

This month for some reason I decided to write some intentions. For me they are not really goals, but something more vague. Just a general idea about some things that I intend to do. They were:

  • Start the 5:2 diet with Mr Simple
  • Continue painting the house
  • Prepare for Italy holiday
  • Continue to declutter my study
  • Read ‘Deep Work’ by Cal Newport and begin implementing its advice

So how am I doing?

Mr Simple has lost 2.5lbs on the 5:2 diet

Well, we’ve started the 5:2 diet and we’re on week two. Mr Simple lost 2.5lbs last week and I gained 0.5lbs. Fortunately I don’t actually need to lose weight; I’m just doing it to keep him company. I wasn’t sure whether Mr Simple would be able to stick to it, but credit where it’s due, he has done. I am hoping that he will be encouraged by the initial weight loss and that it will continue.

As for painting the house, the progress has been sporadic. We currently have scaffolding up due to work that was done on the house and Mr Simple decided that it would be the ideal opportunity to paint it. Unfortunately, since he started it the weather has taken a turn for the worse. I helped him one weekend and although the forecast was for sunshine we had a heavy shower half way through. Fortunately, the paint didn’t run off, as we thought it might do. The following weekend we had the guide dog and so we couldn’t both go up the scaffolding, so I stayed down in the garden. Then, last weekend, the weather was dreadful. As you may recall, Mr Simple only works part time, which leaves him free to get on with DIY tasks in the week so he has managed to make some progress. In fact, on fast days, he has done really well, because in a bid to distract himself from the gnawing hunger pains he has concentrated on painting.

Looking forward to a week in Italy next month

My preparation for Italy hasn’t started yet. I am going away to the Italian lakes with my mum for a week. Usually we have a holiday together once in a year in this country, but as I reached half a century back in the spring we are pushing the boat out this year. We’ve splashed out on a room with a balcony overlooking the lake and I’m really looking forward to it. I was a bit worried at the beginning of the week when they announced that some pilots were striking over the period that we are going, but fortunately we are not flying with an airline that is affected. Hopefully our itinerary should arrive soon and I can start thinking about packing. I have been to Italian evening classes in the past and listened to some CDs from the library. I keep promising to get them out again, but haven’t done so. I need to get on with that and listen to them in the car. It’s nice to be able to speak a little of the language when you’re abroad. 

I have made some changes in my study, but this is the one intention that I haven’t made a lot of progress on and I need to do so.

I have only just started ‘Deep Work’. I bought two books at the end of last month with the bit of money that I had left over. ‘Atomic Habits’ by James Clear arrived first so I’ve just finished that. I started ‘Deep Work’ this morning and so far am really enjoying it. I am hoping that if I can learn from his advice that I can make myself more productive at work, giving myself a bit of ‘wriggle room’ in my working day.

Do you set monthly intentions? Did you make any this month? How are they going?

July Review

Just a lovely summery picture as it’s July and the sun is shining

So here’s my review for July. I was thinking today about why I write reviews each month. I started doing it because it’s what FI/RE bloggers do. They review progress towards their financial goals each month, so that’s what I started doing when I launched this blog. I have to say that I really look forward to writing these posts. I find it useful looking back at the month, not only to see hopefully how little I have spent, but also to remember what we have done and how much we have achieved e.g. on the house. Do you review your progress? If you’re a blogger you probably do, but if not, do you measure your progress in any other way?

Anyway, let’s see how July went…

We had our second staycation at the beginning of the month. You may remember our first back in March. This time it didn’t quite work out as it did last time. Mr Simple’s parents planned to visit us some time over the summer and I suggested that they come during our week off, rather than come for a weekend when we’ve only got a couple of days off between busy work weeks. They said that they would come on the Thursday and so we had several days to ourselves to go out and have fun before they arrived.

A few days before the beginning of our week off we receive a call asking us to have a trainee guide dog from the Tuesday. I can’t remember whether I have mentioned this before, but we are boarders for Guide Dogs for the Blind. It’s a bit like being foster carers. We don’t do the training, but the dog lives with us and goes out Monday to Friday to do its training during the day and then is home all weekend. This time though the dog only went training one day whilst he was with us. Recently we have just had dogs for short periods of time when their usual boarders are away. We love having the dogs and so far have never refused when we have received a call asking us to have one, therefore despite our staycation we agreed. Now, I’d love to put a gorgeous picture of him up here, but unfortunately the rules are that we aren’t allowed to show the dogs on social media.

We didn’t start our staycation until the Monday, doing our usual chores on the weekend. I had arranged to have my car serviced on the Monday, having struggled to find a day when I didn’t need it during June. The weather was good and so after dropping off my car we went for a walk along the coast. Instead of taking sandwiches we stopped at a pub for lunch. Mr Simple’s mother had given us some money back in April after she received a dividend windfall and we still had £30 of this left. This just covered lunch so in terms of our budget for the week it cost us nothing. We did have an ice cream at the end of the walk, which came to £3.

On Tuesday we did a cycle ride around the local area. We discovered a café in a village where we had previously looked at a house before we decided on the one where we live now and treated ourselves to coffee and cake. Lunch was a sandwich in some woods where we have taken previous guide dogs. Our ultimate destination was a ‘castle’, though more of a mini stately home, where the gardens are open two afternoons a week and entry is free. We were the only visitors and had a wander round the somewhat weedy gardens before making our way home in order to be back for the dog arriving.

We live near the coast so can take the dogs to the beach

On Wednesday the dog stayed with us for the day and we took him for a walk on the beach in the morning and then pottered in the garden in the afternoon. Labradors and retrievers have a quite disgusting habit of eating manure and Mr Simple put down some manure pellets around some of the plants. Unfortunately, most of them were then eaten by the dog – he seemed to think that they were tasty treats put out especially for him.  

He was out on the Thursday training and we prepared for the arrival of Mr Simple’s parents. We did a bit of shopping and had lunch in a café. Mr Simple’s parents arrived late afternoon. His mother is somewhat nervous of dogs and so we hadn’t told her that one would be staying with us prior to their arrival. She had met one of our four-legged-friends one Christmas when they stayed with us and they got on well, as the dogs are usually very well-behaved. Fortunately, it was also the case this time and I think she enjoyed spending time with him.

Having researched places to go with the dog I had discovered that the botanic gardens about an hour’s drive away have doggy days twice a week. As he was a trainee guide dog we probably could have taken him in anyway as most places, although they are not obliged to do so, allow the dogs in. It was great as there was only one building that he couldn’t go in. They even had a room in the café where we could sit. On the financial side it was a cheap day as Mr Simple’s mother generously paid for petrol for the journey and entry to the garden and his father paid for tea and cake in the afternoon. For lunch I made sandwiches.

A BBQ with Mr Simple’s parents

Over the weekend we spent time walking the dog and sitting in the garden. On Sunday we had a cooked breakfast and then a late lunch, which was a BBQ, as the weather was great. Usually we would have gone out for a meal with Mr Simple’s parents, but with the dog this was more difficult and so we just ate at home. Therefore, it was a very frugal week foodwise.

The rest of the month has been fairly quiet. I had one of my get-togethers with former colleagues, which we do every other month. As always, the meal was cheap – only £10.50 and then I had a mint tea for £2.10.

So, let’s look at the figures…

Another good month on progress with the mortgage. The standard monthly payment was £532.28 and then we made an overpayment on the mortgage of £578.

This leaves the balance on the mortgage standing at £77,286.52.

Savings stand at £34,731.86. My Vanguard stocks and shares ISA has been up, up and up this month and by 31st July I had made a profit of £270.29.  As usual I saved £185.00 to Vanguard and £250.00 to Nationwide. Managed to get excel to draw me a nice little graph showing the progress on my savings so here it is – a good steady increase so far this year:

Interest on Marcus account which I am using for stoozing was a grand total of £6.14.

General spending

Food £139.93 – I ordered some dried fruit which lasts us a few months. Otherwise it was a fairly ordinary month.

Petrol £108.32 – Slightly lower than the budget.

Pilates £32.00 – Managed to get to four sessions which was great, as work doesn’t always allow me to do so. I feel so much better for going and really enjoy it. The lessons are also quite sociable as several people from the village go.

Toiletries £12.22 – Nothing exciting.

Miscellaneous £60.18 – We had to buy a new blade for the bread maker.  The non-stick was peeling off and lumps were coming out of the loaf when we took it out of the tin. I also bought a new airer to dry clothes. This was to replace a very old one belonging to Mr Simple which keeps collapsing and the plastic coating is peeling off. The new one looks much more robust and will hopefully last for years. We don’t have a tumble dryer and so our clothes are hung on an airer in a warm room over the winter months.

Expenses from bills account – expected annual expenses

Physio session £32.00 – I only managed to get to one session as I had to cancel the second due to work.

Car service £315.28 – nearly £100 more than budgeted, but unfortunately it is getting old and is likely to start costing me money over the next couple of years.

Gifts £19.98 – candles for two of my former colleagues who I met up with.

Eyebrow waxing £7.50

So that’s it folks any observations or suggestions? How was your July? I’d love you to let me know in the comments. Have a lovely August.