The goals for September were:
- Fix the bits on the cars I’ve already bought parts for – I’m terrible at buying parts and then never fitting them
- Exercise four times a week
- Sell five things
Checking the assets and liabilities:
These are taken, as always, from my Beast Budget spreadsheet. My pay appears to have levelled out, but yet to be asked to pay back the previous excess. After a couple of months of falling net worth as we spent on house renovations (new windows, some structural stuff, remodelling two rooms), my net worth increased by 5.23%. This was entirely due to an increase in the (paper) valuation of my home, which I take from Zoopla/ Nationwide data. My savings rate for this month was 21.93%, not too shabby considering the spending. The usual cash regular savers were topped up, and new money in the Freetrade S&S ISA went to increase previous holdings.
If you fancy a free share, sign up to Freetrade with this link (I also get one).
Goals:
Goal failed: Fix the bits on the cars I’ve already bought parts for
I continue to collect car parts, but work life has been busy and home renovations take up the majority of my spare time. Hopefully next month this will happen.
Goal achieved: Exercise four times a week
Regular exercise continues to have a huge impact on my general wellbeing. I’ve tried to get four sessions a week in exactly, but life is too unpredictable, so only an average has been possible. Now I’m in the habit hopefully it remains.
Goal failed: Sell five things
Again, too caught up in other things, but I did at least give some items away. Once renovation work is finished I should able to have a proper clear out.
Budgets:
- Groceries – Budget £200, spent £181.42, last month £175.55
- Entertainment – Budget £100, spent £97.16, last month £84.95 – Mainly takeaways and eating out with friends whilst we still could
- Transport – Budget £250, spent £147.72, last month £144.72 – Minimal travel these days
- Holiday – £150, spent £118.99, last month £78.44 – A little holiday
- Personal – £100/ £87.26/ £123.76
- Loans/ Credit – £50/ £50/ £50 – Repayments begin
- Misc – £50/ £604.72/ £70.25
- Fees – £300 /£268.60/ £129.97– Another month, another pound of flesh to work
In the garden:
Left to run wild. Marrows the size of your thigh. Time to get the scythe and spade out.
Goals for next month:
- Fix the bits on the cars I’ve already bought parts for – I’m terrible at buying parts and then never fitting them
- Sell five things
- Read a book thee evenings a week
Happy October everyone!
The Shrink
