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.
Sunday, 10 September 2023
Walking: Failing at a local walk
Sunday, 3 September 2023
August 2023 Budget
This month has been a bit of an interesting month financially as not only did we have a few things going on, but it was also a five weeks month which means there's a bit of an overlap with some of the bills. So, how did it go?
Our standard bills have basically remained the same as always, though as our gas usage was pretty low this month which should hopefully mean that we won't need to put much, if any, money towards it in September. I've also been able to reduce my mobile bill a bit more as well, using the We Are 8 app, so I'm now paying around £20 per month less than I was before - which actually works out at about £1000 a year so I'd say it was a little work well spent.
Sunday, 27 August 2023
Do I Project Pan Again?
I stopped doing project pans a couple of years ago as I had finally down sized my makeup bag to a size where I was using all the products I had quite happily and didn't really feel like I had any surplus that I needed to worry about. However, I have noticed that recently that I haven't actually warn any makeup in the last few months. Not that that's a problem at all, but it does make me wonder about whether or not I really need all the products that I now have left. Having a quick nosy through my bag did make me realise that I probably now have too many products for the amount of makeup I actually wear.
So, I've decided to bring back the project pan for the rest of this year to see if there are any products that I either don't want anymore or that just need to be thrown out. It is very unlikely that I will actually finish any products in the next four months, but it would be good to get through the liquid items at least before they go bad. I then need to decide, if I carry on using makeup, what products I want to replace them with as they might not get used very often.
I don't actually have that many liquid products, but the ones that I do want to get through are my concealers, Barry M's All Night Long Full Coverage Concealer. I had brought Oatmeal first and then realised that it is way too light for me, even in winter, and so I also got Almond. I tend to mix the two for my under eyes and use Almond on it's own for other areas on my face. In the future I want to have a powder form of concealer, just for the longevity of it, but I think it might be difficult to find one without mica in it. Obviously I'll just be working my way through the mascara, but I never keep more than one of those anyway.
Then there are the lipsticks, of which I have three. They are all different variations of red, which is pretty much the only lipstick colour I wear at the moment, and whilst there are perfectly good reasons as to why I have three it seems a little bit silly to continue having three. One did unfortunately get ruined in the heat (my Memi Luxe Lipstick in Old Flame) and, though I have tried to carry on using it as I love the colour so much, it's probably time to just let it go as it's just too messy to use. I think once these are all gone I'll look into just owning a red lip pencil instead as that'll be easier to keep in the long run.
As for the dry products, I'll definitely be keeping the one eyeshadow I own (Urban Decay Solstice) as I just love this colour and how it looks on. I'll also keep the eyeliner as I only have one of those. However, I do think that four Tarte blushes, even though I also use them as eyeshadows, is probably a little excessive, especially as I'm pretty certain I don't reach for all of them. I'm definitely not going to be able to use any of them up in the next few months, but I can decide whether or not I like the colours and get rid of the ones I don't. I can't see myself needing to replace these anytime soon.
The last items I wanted to make a decision on are the solid mascara and my highlighter. I really wanted to love the Bain and Savon Vegan Cake Mascara, but I just haven't been able to keep it on my lashes. I just seem to end up with panda eyes, probably because my eye lids are so oily. I do want to see if I can use it as a form of liquid eye liner, but I think I'll just have the same panda eyes problem so this might be a product that just has to go. I've had my the Balm Mary-Lou Manizer for quite a while now as well and this is a product that's had quite a beating. I do also use this as an eyeshadow, but I'm not sure if using a highlighter is still something that I want to do. As with the other products this is unlikely to be something I can use up by the end of the year, but I will be able to decide if it's something I want to keep.
And that's it, this isn't really going to be a use up project pan, more of a what do I really not want /likely to keep using anymore project. I should hopefully end up with a very basic kit by the end of it which I don't have to worry about going off anytime soon. That way it can be there for when I want to use it with the knowledge that I probably won't be reaching for it very often. Once I've decided on how much that is I should probably look at my makeup brushes. I am glad that makeup has never been something I've felt I've had to wear to feel good about myself, but I do enjoy using it when I want to. I just don't want to own this much of it anymore.







































