How much did I spend in May and what did I spend it on? Let’s dig in…
Spending
| Category | Amount | Notes |
|---|---|---|
| Eating out | £22.22 | One meal out and I had a 20% discount code. |
| Entertainment | £130.92 | Three lottery tickets (no wins), Spotify, TV licence, drinks, Latin dance classes, drinks on nights out, a ticket for a gig to see a local band, a bet on the football (it lost), and a subscription to a competitions magazine. |
| Groceries | £163.89 | Budget of £40/week = £160 for the month. |
| Health | £71.98 | CrossFit (2 x week membership) £40 and PureGym (unlimited) £19.99. Eye drops. |
| Housing | £717.45 | Mortgage, gas and electric, broadband, window cleaning, council tax. |
| Investment fees | £36.00 | Fees for Halifax share dealing account. |
| Mobile phone | £6.95 | Lebara SIM only deal. |
| Personal | £15.90 | Earplugs for when travelling, and haircut. |
| Presents | £117.93 | Birthday and wedding presents. |
| Shopping | £4.99 | Renewal of a discount card I have. |
| Technology | 79p | Google One cloud storage. |
| Transport | £92.09 | £1 on parking, the rest on petrol. |
| Total | £1,381.11 | A cheaper month than April (thankfully!), with typical expenses only being pushed up by a few presents. |
Premium Bonds
This month I won £25 (hurrah!). This was reinvested and used to buy more bonds.
Savings Rate
| Savings rate excluding pension | 48.01% |
| Savings rate including pension | 57.97% |
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) |
| May | £637,067.24 (+£2,497.46) | £526,603.17 (+£2,108.84) | £340,978.24 (+£567.96) | £230,514.17 (+£179.34) |
Very modest gains this month when I strip out my house and pension. A small increase of about £600 in my Vanguard account, partially offset by a fall in my small crypto position. But a gain is a gain!
