Spending
| Category | Amount | Notes |
|---|---|---|
| Eating out | £61.17 | Went out to eat four times (gasp!), two of which I had discounts for (I know, must try harder next time!) Four excellent meals and enjoyed the company of the people I was with – no regrets. |
| Entertainment | £135.87 | Two lottery tickets (no wins); Latin dance classes; drinks; bowling; pool; a bet on the football (£1 returned £6.59 – high stakes stuff); a Bic pen with four colours for my journal – this was a bargain from Home Bargains at 99p; two textbooks on consumer behaviour/psychology on eBay for £12.01 including delivery – this was a steal as they were on Amazon for about five or six times the price. |
| Groceries | £133.60 | Budget of £40/week = £160 for the month. |
| Health | £204.87 | CrossFit (2 x week membership) £40 and PureGym (unlimited) £19.99. A crown I had fell out, taking most of the tooth it was protecting with it. Subsequent trips to the dentist cost £3.88 for an X-ray (hurrah, NHS) and £140 for an implant assessment. Implants are not covered on the NHS (boo, NHS). |
| Housing | £570.1 | Mortgage, gas and electric, broadband, window cleaning. No council tax this month due to previously overpaying. |
| Investment fees | £78.72 | Fees for my Halifax share dealing account. I’ve got a few Tesco shares from years ago when I did stupid things like pick individual companies to invest in. |
| Mobile phone | £6.95 | Lebara SIM only deal. |
| Presents | £58.88 | Birthday presents for a family member, Mother’s Day, and a contribution to a colleague’s retirement. |
| Shopping | £31.49 | Renewal of student card I qualify for through part-time study and a stonking deal on a battery charger and four rechargeable batteries (£5) |
| Technology | 79p | Google One cloud storage. |
| Transport | £144.73 | £1 for parking, the rest for petrol. |
| Total | £1,427.17 | Slightly higher than usual expenses, mainly due to the dentist. |
Savings Rate
Percentage of net pay saved:
| Savings rate excluding pension | 46.41% |
| Savings rate including pension | 56.35% |
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) |
A huge increase this month! What happened? My Vanguard account leapt by just over £6600, again highlighting the volatility of the stock market.
