Sunday, 26 November 2023
Visiting St Fagans National Museum of History
Sunday, 19 November 2023
New Hobbies and When Am I Going to Do Them
Sunday, 12 November 2023
Project Pan 2023 Update #1
Firstly, the Tarte blush in Vibrant I thought I would be getting rid of as it's quite bright I'm actually probably going to keep it as I had forgotten how well it goes with my skin tone. I'll keep playing with it, but it looks like all the blushes are staying and I'll be using them for decades. 😂
I haven't tested the Bain and Saron Vegan Cake Mascara as an eyeliner yet so I will need to do that over the next couple of months. I also want to try it again as mascara just to see, but I have a sneaking suspicion that it still won't. So there is a possibility I'll still get rid of it as I do have a pencil eyeliner that is just easier to use, but we'll see. I might prefer the look.Unfortunately, the Memi Luxe Lipstick in Old Flame is going to have to go. I love the texture and colour (in fact I would buy this again) but the heat melting it in the past has made it very difficult to use and it is a little bit old now as well. The other lipsticks I'm just going to work my way through.The Balm Mary-Lou Manizer highlighter wasn't something I was going to test or attempt to get rid of, but it does now look like I've managed to somehow use a lot of it. However, this is only because I forgot that this highlighter does not travel well and I took it with us to Brittany. It then completely crumbled and fell out. A sad moment as I was hoping to get a lot more use out of it, but oh well. I don't think I'll replace this.While we were in Saint Brieuc I did do something I wasn't supposed to do, which was buy more makeup. Well, a lip liner to be precise. I've been looking for a colour that was similar to my lip colour just to make them more defined when I don't want to wear red lipstick, but I wanted a lip pencil as it'll last longer and is easier to keep hygienic. It wasn't a cheap product, but practically matches my natural lip colour perfectly.As for the tools I'm using, once I've made a decision on the Cake Mascara then I can decide what brushes I'm going to get rid of so that I have only what I need.
So the amount of makeup I have has basically remained the same as when I started, which I guess is a good thing as it means I did a good job of getting rid of things before. I do have plans to replace any liquid or cream products with drier products once I've used them, but I will need to do some research on this. I will definitely replace the lipsticks with just one lip pencil once they've gone and I am doing some research on the concealers, though the main issue there is mica. This hasn't been the most effective project pan ever, but it also hasn't been that long since I started. I'll know more about what I want to do once we get to the end of December, but it is looking like I'll just be using products up until I have one left rather than just getting rid of them straight away. I guess we'll see.
Sunday, 5 November 2023
October 2023 Budget
The general bills have remained the same as they have for most of the year, though we did manage to not need to add to our gas and electricity meters this month. This was probably partly due to the fact we were away for a week, but also because we've been a little bit more efficient with how we're using our heating. I've also been able to carry on keeping my phone bill down by using the We Are 8 app to earn a small amount of additional income.
There actually wasn't as much overspending on groceries as I had expected, but we definitely overspent on eating out by over twice the amount we usually budget for. There was also a little increase in spending on household items, some of which were items we had brought whilst in Brittany, but there were also some items we needed such as a clothes horse.
Obviously, fuel was a little higher than normal as we drove down to Plymouth to catch the ferry to Brittany. However, the rest of the weeks were pretty standard on this front. There was also some extra spending on things like public transport and booking accommodation on our holiday. Our own personal spending has actually been pretty good again this month, but I did have one additional expense which was getting my flute fixed, costing about £140. It's been a while since I've played and I need to decide if I'm going to start playing or give it away. Either way, it needed to have some work done to it and I wasn't sure how much that was going to cost beforehand. So far, it's been worth it though as I've already played it a couple of times.
Another plus has been that I've managed to carry on putting money into my pension at around 12.5% of my wage and we've managed to put more money into our four-month savings. It wasn't quite as much money as I had hoped, but it's getting us closer to the halfway mark that I've set as our new savings goal for this year. We should get it done within the next couple of months as it's only about £250 to go. For the amount we've actually been spending this year that's actually been a pretty good result.
So there has been quite a lot of big spending this month and we will need to do better over the next couple of months to get ourselves back on track, especially me with my personal spending to cover what I had to spend on the flute. However, I don't feel too bad about it as I know that we have the main upcoming expenses covered in the form of our sinking funds, as well as our own emergency funds to cover if anything goes wrong. It does help make the spending a little more guilt-free. However, now it's time to get back to proper savings and spending.
Sunday, 29 October 2023
Travelling: Saint Brieuc
Sunday, 15 October 2023
Crafting 2023 Update #3
Sunday, 8 October 2023
Goals 2023 Update#3
I had planned on being more focused on my goals this quarter to get a number of them ticked off, but then life happened and I didn't get as far forward as I had hoped. It is a little frustrating, but I've still managed to plod along quite well and get a number of them done. It just means that I will need to really concentrate on them for these last three months.
Financial.
- Four months emergency fund - I'm happy to say we're still putting money into our savings and we've already reached our 2023 goal of saving a third of our long-term goal. In fact, it's looking like we'll be able to save half of it by the end of this year so I'm very pleased with that.
- Sinking funds - these have all been reached and we are now getting to spend these on their intended purpose. It does feel a little weird spending them as part of you just wants to hoard what you've saved, but it also takes the worry or guilt out of spending on these things.
- Pension and personal spending - I am still putting 12.5% of my earnings into my pension and it looks like I'll be able to carry on doing that until the end of the year. It is a very nice feeling knowing that my pension is finally growing properly. We've also finally managed to curb our personal spending and keep to the budgets we've put in place. In fact, we've been underspending recently which means we should be able to put even more into our savings or, at least, not reduce what we're putting in when we need to spend on other things.
- Changing my bank account - I've decided to wait until my current contract is over before swapping over to a new bank as there isn't much longer to go and it seems it would be less complicated.
- Secondary income - I still need to work on this, but right now I'm concentrating on finding another primary income. The biggest issue I have here is that I'm just not sure what other skills I have to help with a secondary income, I really need to try and work that out.
- Skateboarding - we have managed to fit in some skateboarding practice, but not nearly as much as we wanted to. We've found a good spot and I do feel that it's starting to click, but we've just been really lazy about it.
- Surfing - we've had another surf lesson and have been told that we don't need to have any further lessons just yet. It's been suggested that we practice surfing for a bit and then book another lesson when we want to progress to the next stage. Now all we need to do is find times when we are both off so we can hire some boards and practice.
- Sailing - this is still on the back burner for now and will be something we look into in the future, hopefully not too far away.