{"id":50,"date":"2023-01-30T15:50:26","date_gmt":"2023-01-30T15:50:26","guid":{"rendered":"https:\/\/aimingforfire.com\/?p=50"},"modified":"2024-03-10T17:46:40","modified_gmt":"2024-03-10T17:46:40","slug":"getting-to-grips-with-my-outgoings","status":"publish","type":"post","link":"https:\/\/aimingforfire.com\/getting-to-grips-with-my-outgoings\/","title":{"rendered":"Getting to grips with our outgoings"},"content":{"rendered":"\n
So my first step in sorting my finances out is getting to grips with what we spend per month and working out if I can make some savings.<\/p>\n\n\n\n
I’m married and our finances are fairly intertwined, we have a joint account which all the bills get paid from and then our own separate bank accounts for personal expenditure. So the costs you see below are for both of us.<\/p>\n\n\n\n
After a not-so-exciting few hours with a spreadsheet and my bank statements, I came up with the table below which shows everything we currently spend.<\/p>\n\n\n\n
<\/th> | Monthly Cost \u00a3<\/th> | Monthly Cost $<\/th> | Annual Cost \u00a3<\/th> | Annual Cost $<\/th> | Payment Date<\/th> | Category<\/th>\n<\/tr>\n<\/thead>\n |
---|---|---|---|---|---|---|
Council Tax<\/td> | \u00a3166.67<\/td> | $206.25<\/td> | \u00a32,000.00<\/td> | $2,474.97<\/td> | 5th<\/td> | Utilities<\/td>\n<\/tr>\n |
Now TV<\/td> | \u00a311.99<\/td> | $14.84<\/td> | \u00a3143.88<\/td> | $178.05<\/td> | 28th<\/td> | TV<\/td>\n<\/tr>\n |
Amazon Prime<\/td> | \u00a36.58<\/td> | $8.15<\/td> | \u00a379.00<\/td> | $97.76<\/td> | August<\/td> | TV<\/td>\n<\/tr>\n |
Apple TV<\/td> | \u00a36.99<\/td> | $8.65<\/td> | \u00a383.88<\/td> | $103.80<\/td> | 4th<\/td> | TV<\/td>\n<\/tr>\n |
Disney+<\/td> | \u00a36.66<\/td> | $8.24<\/td> | \u00a379.90<\/td> | $98.88<\/td> | <\/td> | TV<\/td>\n<\/tr>\n |
TV Licence<\/td> | \u00a313.25<\/td> | $16.40<\/td> | \u00a3159.00<\/td> | $196.76<\/td> | 3rd<\/td> | TV<\/td>\n<\/tr>\n |
Apple iCloud<\/td> | \u00a32.49<\/td> | $3.08<\/td> | \u00a329.88<\/td> | $36.98<\/td> | 7th<\/td> | Subscriptions<\/td>\n<\/tr>\n |
Microsoft 365<\/td> | \u00a35.83<\/td> | $7.22<\/td> | \u00a370.00<\/td> | $86.62<\/td> | 21st Feb<\/td> | Subscriptions<\/td>\n<\/tr>\n |
Food Shopping<\/td> | \u00a3600.00<\/td> | $742.49<\/td> | \u00a37,200.00<\/td> | $8,909.89<\/td> | <\/td> | Food<\/td>\n<\/tr>\n |
Mobile Phone (SIM only)<\/td> | \u00a315.00<\/td> | $18.56<\/td> | \u00a3180.00<\/td> | $222.75<\/td> | 5th<\/td> | Internet<\/td>\n<\/tr>\n |
ISP (Broadband+TV+Phone)<\/td> | \u00a350.00<\/td> | $61.87<\/td> | \u00a3600.00<\/td> | $742.49<\/td> | 15th<\/td> | Internet<\/td>\n<\/tr>\n |
House & Car Insurance<\/td> | \u00a343.11<\/td> | $53.35<\/td> | \u00a3517.30<\/td> | $640.15<\/td> | September<\/td> | House<\/td>\n<\/tr>\n |
Car Road Tax<\/td> | \u00a324.17<\/td> | $29.91<\/td> | \u00a3290.00<\/td> | $358.87<\/td> | September<\/td> | Car<\/td>\n<\/tr>\n |
Parking Permit<\/td> | \u00a312.30<\/td> | $15.22<\/td> | \u00a3147.60<\/td> | $182.65<\/td> | June<\/td> | Car<\/td>\n<\/tr>\n |
Car MOT<\/td> | \u00a33.33<\/td> | $4.12<\/td> | \u00a340.00<\/td> | $49.50<\/td> | September<\/td> | Car<\/td>\n<\/tr>\n |
Car Running Costs<\/td> | \u00a350.00<\/td> | $61.87<\/td> | \u00a3600.00<\/td> | $742.49<\/td> | <\/td> | Car<\/td>\n<\/tr>\n |
Annual House Maintenance<\/td> | \u00a330.00<\/td> | $37.12<\/td> | \u00a3360.00<\/td> | $445.49<\/td> | <\/td> | House<\/td>\n<\/tr>\n |
Gas & Electricity<\/td> | \u00a3133.62<\/td> | $165.35<\/td> | \u00a31,603.44<\/td> | $1,984.23<\/td> | 4th<\/td> | Utilities<\/td>\n<\/tr>\n |
Water<\/td> | \u00a30.00<\/td> | $0.00<\/td> | \u00a30.00<\/td> | $0.00<\/td> | <\/td> | Utilities<\/td>\n<\/tr>\n |
Pet Food<\/td> | \u00a325.00<\/td> | $30.94<\/td> | \u00a3300.00<\/td> | $371.25<\/td> | <\/td> | Pets<\/td>\n<\/tr>\n |
Pet Insurance - Dog 1<\/td> | \u00a322.81<\/td> | $28.23<\/td> | \u00a3273.72<\/td> | $338.72<\/td> | June<\/td> | Pets<\/td>\n<\/tr>\n |
Pet Insurance - Dog 2<\/td> | \u00a317.60<\/td> | $21.78<\/td> | \u00a3211.20<\/td> | $261.36<\/td> | May<\/td> | Pets<\/td>\n<\/tr>\n |
Vet Bills<\/td> | \u00a330.00<\/td> | $37.12<\/td> | \u00a3360.00<\/td> | $445.49<\/td> | <\/td> | Pets<\/td>\n<\/tr>\n |
Dog Walker<\/td> | \u00a348.00<\/td> | $59.40<\/td> | \u00a3576.00<\/td> | $712.79<\/td> | <\/td> | Pets<\/td>\n<\/tr>\n |
Dentistry<\/td> | <\/td> | $0.00<\/td> | \u00a30.00<\/td> | $0.00<\/td> | <\/td> | Health<\/td>\n<\/tr>\n |
Discretionary - MAFF<\/td> | \u00a3400.00<\/td> | $494.99<\/td> | \u00a34,800.00<\/td> | $5,939.93<\/td> | <\/td> | Discretionary Spending<\/td>\n<\/tr>\n |
Discretionary - Jon<\/td> | \u00a3300.00<\/td> | $371.25<\/td> | \u00a33,600.00<\/td> | $4,454.95<\/td> | <\/td> | Discretionary Spending<\/td>\n<\/tr>\n |
III<\/td> | \u00a338.00<\/td> | $47.02<\/td> | \u00a3456.00<\/td> | $564.29<\/td> | 14th<\/td> | Pension Fee<\/td>\n<\/tr>\n |
Holidays<\/td> | <\/td> | $0.00<\/td> | \u00a30.00<\/td> | $0.00<\/td> | <\/td> | Discretionary Spending<\/td>\n<\/tr>\n |
<\/td> | <\/td> | <\/td> | <\/td> | <\/td> | <\/td> | <\/td>\n<\/tr>\n<\/tbody>\n |
TOTALS<\/th> | \u00a32,063.40<\/th> | $2,553.43<\/th> | \u00a324,760.80<\/th> | $30,641.12<\/th> | <\/th> | <\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n\n\n<\/div><\/div>\n\n\n <\/div>\n\n\n\n Expenditure Pie Chart 2023<\/h2>\n\n\n |