This month: the dentist continued extracting money from my bank account, I ate out too much again, and I continued chasing a lottery win. Did I hit the jackpot? Read on to find out…
Spending
| Category | Amount | Notes |
|---|---|---|
| Eating out | £65.42 | Three meals out, one of which I had a 20% discount code for. |
| Entertainment | £424.12 | TV licence; Spotify; drinks on nights out; three lottery tickets (no wins); one bet (it lost); and the biggie, £360 to renew my football season ticket that covers all home matches in the league for the 2022/2023 season. Renewing early meant that I benefitted from frozen prices – given how inflation is going, that was a good deal. |
| Groceries | £203.05 | Budget of £40/week = £200 for the month. |
| Health | £346.99 | CrossFit (2 x week membership) £40 and PureGym (unlimited) £19.99. Fish oil supplements £12. My trips to the dentist for the process of getting an implant continued to be unpleasant, both while sitting in the chair and to my bank account – £275 after having what was left of my tooth extracted and a mix of artificial bone and cow bone inserted temporarily, X-rays etc. |
| Housing | £575.10 | Mortgage, gas and electric, broadband, window cleaning. No council tax this month due to previously overpaying. |
| Investment fees | £50.86 | Vanguard fees. |
| Mobile phone | £6.95 | Lebara SIM only deal. |
| Personal | £21.83 | Haircut and over-the-counter medication |
| Technology | 79p | Google One cloud storage. |
| Transport | £100.09 | £3.20 on parking (while at the dentist, adding to my pain). The rest was on petrol. |
| Total | £1,795.20 | A fairly expensive month, mainly due to the annual renewal of my season ticket and the dentist (again). |
Savings Rate
Percentage of net pay saved:
| Savings rate excluding pension | 32.93% |
| Savings rate including pension | 42.82% |
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) |
| Mar | £635,806.88 (+£9,356.42) | £526,117.29 (£+8,966.34) | £343,576.63 (+£7,427.17) | £233,887.04 (+£7,037.09) |
| Apr | £634,569.78 (-£1,237.10) | £524,494.33 (-£1,622.96) | £340,410.28 (-£3,166.35) | £230,334.83 (-£3,552.21) |
A fairly big drop this month, caused by my Vanguard account being down nearly £4000.
The good news is that I don’t have my next dental appointment until July, so maybe I’ll be able to save a reasonable amount of money over the next couple of months!
