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11th Monthly Financial Summery for 2014

January 23rd, 2015 at 05:36 am

Here is my Financial Summery for November period.

I have updated my Excel finally so here are the figures for last month I have been quite busy here.

This for period of 28 days each as I work on 28 day cycles, my dates may be out to calendar months so here are the figures that will bring it up to date as its very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my review for November budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$22.22
Groceries===$125=== =$45.88
Non-Food===$15
Clothes ====$35======$5.00
Grooming===$20=====$5.25
Gas======$20
HH items===$40======$3.00
Fares== ====$15 =====$20.00
Entrainments== $15 ====$329.95
Garden =====$15 =====$40.00
Gifts & Donations ==$35 ===$18.20
Medical & Diabetes Expenses ===$70====$156.59
Misc ======$10
Personal Allowance =$90 ===$28.97

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $675.04 over by $125.00 on general spending.
I bought a new camera as my best camera was broken and it my treat for the year as I am having dental work done for my birthday gift this time.

Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

Eating out including meals out with family and friends, we all go Dutch.

My credit cards are still paid in full each month; it was $354.00 this period.

Grocery allotment $125 for each period it was under by $79.12 this period.

Strategy - Don't believe all the advertising you see on TV or in the mail you didn't know you wanted it 15 minutes before you saw that advertisement.

3 Responses to “11th Monthly Financial Summery for 2014 ”

  1. VS_ozgirl Says:

    Kitty that is so true. Many moons ago, working my first job at a burger place, the first thing we were taught is suggestive selling. Half the time people don't even think of buying a certain thing until you ask them if they want it. So we were taught to ask if they wanted something extra and half the time they would buy it. Advertising & marketing is the same thing.

  2. snafu Says:

    As a 'list' person, I started using a Post-it note sheet as a 'Want' sheet, when I see it and believe the price acceptable, I have the option to buy. However, if an item isn't on my list, I can add it. The unanticipated benefit was that impulse buying was nearly crushed.

    Experience has taught me that often buying an item based on price or some other factor rarely meets my expectations long term. I enjoy shopping with friends when they are seeking something specific but I've nearly stopped shopping with others when I'm the buyer. Friends often encourage purchases that only halfway satisfy. Worse, we have a 'new in, old out protocol so that sale price on new black pumps requires me to relinquish something I really like. Lose/lose

  3. Tightwad Kitty Says:

    I do find that I spend when I go shopping with certain people who encourage you to spend. Also certain places I shop at I find I spend more there so I pay that little bit extra at other places and only get what I need to buy not all stuff the that tempered to buy or in bigger amounts.

    I have learnt to choose where I shop and with whom. So I can have the things that I want to buy and save money by doing that.

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