Spending
| Category | Amount | Notes |
|---|---|---|
| Christmas | £246.44 | |
| Clothes | £113.00 | |
| Eating out | £33.53 | |
| Entertainment | £56.71 | |
| Groceries | £186.84 | Budget of £40/week = £200 for the month |
| Health | £60.99 | CrossFit (2 x week membership) £40 and PureGym (unlimited) £20.99 |
| Housing | £797.83 | Mortgage, gas and electric, broadband, council tax, window cleaning |
| Mobile phone | £6.90 | SIM only deal with Lebara |
| Shopping | £39.84 | Draught excluder for my back door, a voucher to buy a homeless person Christmas dinner, bits and pieces from various shops |
| Technology | £36.51 | A year’s subscription to iDrive cloud storage and a couple of extra Philips Hue bulbs so that I can be extra lazy using Alexa to switch my lights on and off using my voice |
| Transport | £98.36 | Fuel |
| Total | £1,676.95 |
Premium Bonds
A £25 win. Hurrah!
Savings Rate
| Savings rate excluding pension | 41.35% |
| Savings rate including pension | 51.07% |
Net Worth
Net Worth December 2022
| Month | Including pension and primary residence | Change | Including pension, excluding primary residence | Change | Excluding pension,including primary residence | Change | Excluding pension and primary residence | Change |
|---|---|---|---|---|---|---|---|---|
| Jan | £626,103.58 | £5,052.69 | £517,231.54 | £4,715.66 | £337,731.83 | -£5,181.81 | £228,859.79 | -£5,518.84 |
| Feb | £626,450.46 | £346.88 | £517,150.95 | -£80.59 | £336,149.46 | -£1,582.37 | £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 |
| May | £637,067.24 | £2,497.46 | £526,603.17 | £2,108.84 | £340,978.24 | £567.96 | £230,514.17 | £179.34 |
| Jun | £632,859.07 | -£4,208.17 | £522,012.77 | -£4,590.40 | £334,840.82 | -£6,137.42 | £223,994.52 | -£6,519.65 |
| Jul | £645,969.55 | £13,110.48 | £534,738.20 | £12,725.43 | £346,021.80 | £11,180.98 | £234,790.45 | £10,795.93 |
| Aug | £649,251.07 | £3,281.52 | £537,638.33 | £2,900.13 | £347,373.82 | £1,352.02 | £235,761.08 | £970.63 |
| Sep | £647,937.76 | -£1,313.31 | £530,964.26 | -£6,674.07 | £346,060.51 | -£1,313.31 | £229,087.01 | -£6,674.07 |
| Oct | £649,978.40 | £2,040.64 | £532,647.42 | £1,683.16 | £348,101.15 | £2,040.64 | £230,770.17 | £1,683.16 |
| Nov | £659,319.16 | £9,340.76 | £541,643.25 | £8,995.83 | £353,128.91 | £5,027.76 | £235,453.00 | £4,682.83 |
| Dec | £654,887.14 | -£4,432.02 | £536,879.96 | -£4,763.29 | £348,148.89 | -£4,980.02 | £230,141.71 | -£5,311.29 |
Yearly Change
| Change | |
|---|---|
| Including pension and primary residence | £28,783.56 |
| Including pension, excluding primary residence | £19,648.42 |
| Excluding pension, including primary residence | £10,417.06 |
| Excluding pension and primary residence | £1,281.92 |
