July 2021 Budget

It would be fair to say that July didn't go to plan at all when it came to spending and saving.  If I'm honest the main reason is that I just lost all motivation this month and there's not really much else I can say about it, so let's just jump right in.

Starting with a plus, we manage to build back up my partners emergency fund and still have no credit card by the end.

However, we didn't put any more money into four months funds or our car repairs and Christmas sinking funds.  Both of those are quite big ops and something we really need to do much better on over the next five months.

I did manage to put some more money into my pension though so that at least is a good thing which is marginally tempering the guilt of doing so badly this month.

And we also managed to reduce our household and takeaway spending this month as well.  If we can just carry that change over the next few months that should really help us out.  Food spending has remained high though and that is definitely something we need to work at.

Unexpectedly our flat and car parking rent came out this month which we thought wouldn't come out until August, and that is something that stopped us from being able to put money into our savings account.

There was also quite a bit of general spending happening this month.  A big part of this was me needing to replace my sports bras, and unfortunately, my size doesn't make that cheap, and partly because we're planning at least one long-distance walking trip in August and needed to buy a few things for that.

There have been some good things this month, but mostly it was a pretty down one.  I think I'm most annoyed at myself because I won't be able to earn for two weeks in August and so being good with our finances in July would have been a good idea.   However, there's no point in wallowing in it now, what's done is done, and now we just need to get on with being better for the rest of 2021.  No pressure then. 😂

To make myself feel better I'm just going to add a cute picture of a cat.