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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.