February 2022 Spending, Savings, and Net Worth Update
Spending
Category
Amount
Notes
Eating out
£39
Tried the Tony Macaroni restaurant for the first time – the food and service were excellent, and I went to a comedy gig afterwards (ticket bought a few months earlier). Also got Dr Noodles delivered while at a poker night at a friend’s flat. Thankfully we were only playing for plastic tokens otherwise it would have been a very expensive night.
Entertainment (fun money, Spotify, TV licence, the lottery)
£90.12
Two lottery tickets (no wins); a ticket to an away football match not covered by my season ticket; a few drinks on nights out; Latin dance classes; and a ticket for a band called Morganway, supported by Kezia Gill.
Groceries
£102.76
Budget of £40/week = £160 for the month.
Health
£59.99
CrossFit (2 x week membership) £40, PureGym (unlimited) £19.99.
Holidays
£393.13
A week in sunny Spain
Housing (mortgage, utility bills, broadband, council tax, window cleaning etc.)
£570.1
Mortgage, gas and electric, broadband, window cleaning. No council tax this month.
Mobile phone
£6.95
Lebara SIM only deal.
Personal
£10
Hair cut.
Presents
£5
Contribution to colleague’s birthday present.
Shopping
49p
Short-term Amazon Prime membership.
Transport
£188.19
£130 vehicle excise duty (VED – AKA road tax), and petrol
Total
£1,465.73
A fairly expensive month, but that included a week in Spain and the annual VED for my car. I think that’s pretty good when you consider the week of fun in the sun.
Savings Rate
Percentage of net pay saved:
Savings rate excluding pension
44.82%
Savings rate including pension
54.79%
Net Worth
Month
Including Pension and Primary Residence
Including Pension, Excluding Primary Residence
Excluding Pension, Including Primary Residence
Excluding Pension and Primary Residence
Jan
£626,103.58
£517,231.54
£337,731.83 (-£5181.81)
£228,859.79 (-£5518.84)
Feb
£626,450.46 (+£346.88)
£517,150.95 (-£80.59)
£336,149.46 (-£1582.37)
£226,849.95 (-£2,009.84)
A small increase compared to last month when I factor in my mortgage payment and pension contribution, but a decrease when these are stripped out. This was again mainly a drop in the value of my Vanguard account.
Spending CategoryAmountNotesChristmas£246.44Clothes£113.00Eating out£33.53Entertainment£56.71Groceries£186.84Budget of £40/week = £200 for the monthHealth£60.99CrossFit (2 x week membership) £40 and PureGym (unlimited) £20.99Housing£797.83Mortgage, gas and electric, broadband, council tax, window cleaningMobile phone£6.90SIM only deal with LebaraShopping£39.84Draught excluder for my back door, a voucher to buy a homeless person Christmas dinner, bits and pieces from...
Spending CategoryAmountNotesEating out£11.75IKEA cafe and Costco cafeEntertainment£101.63TV licence, Spotify, three lottery tickets (no wins), competitions magazine, four bets on the football (no wins), drinks when out, Latin dance classes, a ticket for a cup football match, playing poolGroceries£200.62Budget of £40/week = £200 for the monthHealth£60.99CrossFit (2 x week membership) £40...
August's highlights: I went on holiday to London and DenmarkI booked another holiday, for OctoberI have big news regarding my living situationI made a big purchase Spending CategoryAmountNotesEntertainment£37.97TV licence, Spotify, two lottery tickets (no wins), competitions magazine, a couple of bets on the football (no wins), and a few drinks...
There's only one word I can use to describe July - without adding a swearword in front of it - and that's expensive. My implant journey continued and at this point, it feels like I'm helping my dentist achieve his own FIRE dreams with the amount of money I'm putting...