June was a very busy month as it was my Sister’s wedding, a friend’s wedding and we went to Wales for a long weekend so it isn’t a surprise that we went over budget. I haven’t included the money spent on my Sister and brother-in-law’s gift as it was an extra cost we accounted for separately.
The warm weather clearly has a positive effect on our mood which has a negative effect on our bank account!
Last month we went over budget so it was predicted we would come in under budget this month by a fantastic £99. We are still doing well with our packed lunch pledge which keeps the cost of food down.
We were a bit naughty thought June because we kept the immersion heater one pretty much the whole time and had lots of baths. Our guilty pleasure is hard to kick and now it’s a week into July and the heater is still on. It’s only cost £10 extra over the month and a hot bath each night is sooo worth it.
I hate filling up the tank with diesel. There is nothing fun about breaking off from one’s journey to stand for several minutes in a an unattractive garage with other cars impatiently waiting behind you then having to hand over almost £60 in one go. I hate it even more when we go over budget on our petrol allowance. Think the trip to Wales is to blame for that.
Considering the weddings we went to and the holiday we had we didn’t go over budget by too much.
It’s quite hard to keep track of the amount we spend on social because D usually withdraws cash from the account which then gets spent over a course of time. Some may get spent on food because that’s what we have at hand, for example, making it hard to be exact with figures. It also makes it hard to track how much we spent on each occasion. We know at the time but have forgotten by the end of the month. We could keep a written record each time but feel there would be little benefit for all the bother.
In May’s budget roundup I explained we had decided to pool all costs for the cars. We had further discussions and have decided to save money for car up-keep in a separate bank account as our shared accounts is solely for monthly expenses. We worked out that around £160 a month needs to be saved to cover the cost of insurance, tax, MOT and repairs. That’s quite a lot of extra money to save! We haven’t actually started saving because I forked out £123.75 for a 6 month disk at the end of last month which made a massive dent in my personal account. It will be more realistic to start this in August so we will aim for then.