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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.
Sunday, 1 October 2023
September 2023 Budget
Despite my hope at the end of last month, September has basically been the same as August, with us still going completely mad when it comes to food. It doesn't help that there have been a few things going on this month and I haven't been particularly well so haven't had the energy I needed to really concentrate on our spending. We've also been trying some new recipes just to add a bit more interest to our eating and they always contain expensive ingredients (why do they do that), but if we like them I'll be adapting them for future use.
All our other spending and bills have pretty much been the same as always, with me still being able to keep my mobile bill down to about a third of what it was at the start of the year. We have spent about a quarter more on our fuel as we've been needing to do a bit more travelling due to family, but that should reduce again over the next couple of months.
We have started to do a little bit of Christmas spending as I work out what type of crafting I want to do for our Christmas cards this year. I'm actually starting a lot later than I normally do when it comes to making these, but I should still have enough time before they have to be sent out. We have also managed to keep our personal spending down again. In fact, we have underspent again this month which is really, really good and a good habit to have developed.
We've also managed to put some more money into our four-month savings. Not as much as I would have liked and had originally planned for us to do, but as we have already managed to reach our goal for this year anything we put in now is a bonus that helps us reach our long-term goal a lot sooner.
As seems to be a running trend with us, food spending is where we have a problem. We did try to do the cash spending again to curb it, but it didn't really work this time. Partly because we kept forgetting the purse which contained the money and ended up also spending on the card, but also because we just enjoy our food. This is something we still need to work on for the rest of the year to try and break this habit, especially as we don't know what my earnings are going to be after October. We are going away in October, but the plan is to really work on our spending in the three weeks that we are home to help build up some good habits and to allow us to put more money into our savings.