The Financial Dashboard – September 2019

The goals for September were:

  • Plan healthy weekly dinners
  • Exercise at least 3x a week
  • Get two more blogposts out
  • Look for a skip bike to use for short local journeys
  • De-clutter spare room for charity shop

Checking the assets and liabilities:

September AssetsSeptember Liabilities

These are taken, as always, from my Beast Budget spreadsheet. This month my net worth grew by 3.32%, modest but enough to push me over the £40k barrier. My savings rate, not including mortgage repayment, was 43.76%, pushing my average up to 21.48%. That’s my best savings rate of the year.

Goals:

Goal achieved: Plan healthy weekly dinners

Within the confines of eating out/ in with friends, and the times when we’ve been away, I think this has been achieved. We’ve eaten less oven or ready meals, and more stuff fresh from scratch using our home grown ingredients. I want to build on this, by adopting a meal plan – a goal for next month.

Goal achieved: Exercise at least 3x a week

This was actually really hard. Life has a tendency to throw curveballs, and trying to fit in three workouts every week around work commitments, socialising, house chores and sleep has been challenging. Again I want to build on this – for next month it’s 4x a week.

Goal failed: Get two more blogposts out

Slightly better. June and July were a real lull, with only three and four posts, compared to eight in one month at the start of the year. I managed five in August, but still not back to my old standard. I’m going to aim for six this month.

Goal failed: Look for a skip bike to use for short local journeys

I decided not to do this, as I don’t need more stuff. I’m going to get my old bike repaired again instead.

Goal failed: De-clutter spare room for charity shop

Still a work in progress.

Budgets

  • Groceries – Budget £200, spent £144.75, last month £299.90
  • Entertainment – Budget £100, spent £101, last month £81
  • Transport – Budget £460, spent £257.49, last month £241.97
  • Holiday – £150, spent £0, last month £0
  • Personal – £100/ £87.75/ £62.99
  • Loans/ Credit – £0/ £152.25/ £152.25
  • Misc – £50/ £75.65/ £30 – Gifts mainly
  • Fees – £70 /£110.40/ £209.75 – Vets fees

In the garden:

More chutneys this month as our tomatoes and beans come to an end. A few courgettes still soldiering on, but I think this weeks weather might kill them off. Despite a strong start my pumpkins are sadly the size of plums. I’ve planted a lot of new stuff this month; winter potatoes, onions for spring, spinach beet, carrots and spring cabbage.

Goals for next month:

  • Adopt a weekly meal plan
  • Exercise 4x a week
  • Get six blogposts out across the month
  • Repair pushbike
  • De-clutter spare room for the charity shop

What’s in the pipeline: (Hopefully a couple this month)

  • Stoicism and the finance world
  • Should I buy an electric car?
  • Q3 2019 – Steady as she goes
  • Property Renovation Lessons Part III
  • Plus the usual Full English Accompaniments and other drivel…

Happy October everyone,

The Shrink

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