Monday, 27 June 2011

A Little Here, A Little There....

- oh dear I have been spending this month, and I so didn't want to go over my budget but have well and truly stuffed my goals for this month, in fact the only goal I will accomplish is my payment to my Regular Saving Account. I am treating all my regular savings as if they were debit payments, I have the amount I want to have saved by the end of the year and am paying it off each month.
So my over spend amount is £289.71 of which;
  • £49.95 on food items (incl. health food supplies, coffee's etc.)
  • £38.69 books (7 online purchases)
  • £6.89 vitamins etc.
  • £83.46 clothes (incl. hiking boots, socks, court shoes etc.)
  • £110.72 miscellaneous (incl. concert tickets for Oct.)
To meet my tax payment amount of £1,520 I will be £47.97 short of my budget and my spending had resulted in the demise of my current account buffer balance that I had built up over time. The one good thing I can say is that I do not have any debt (other than my tax bill), so it's a nuisance but not the end of the world.
My book purchases will not last me to the end of July - I am such a bookworm at the moment, keep finding great books to read and that's after I finished all the Lee Child books and thought I would never find anything I would like as much.
Was planning to take a stay-cation in August but have found out today that I will have to go either the end of July or wait till September. As my holiday will be an outdoor affair, weather is going to be a major factor and September can be very iffy in the UK. Also if I go in July I will have to use some credit (ie. go into debt) which I am not so keen to do.

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