Week 45 – Spend and Debt update…and oh, my trip to New Zealand!

So..I am a bit over my spending allocation this week..

Spending funds allocated for Week 45 – $110.00 – This amount is for Wednesday (just been) through to Wednesday (coming)

Actual funds spent for Week 45 – $150.95. 

$40.95 over budget and still 2 days to go until I ‘pay’ myself again 😦

Also, it has been a ‘short’ week as I was in New Zealand and using my allocated NZ spending money until Wednesday eve.

Monday: New Zealand

Tuesday: New Zealand

Wednesday: New Zealand

Thursday: $15.00 groceries, $4.00 tank top (this was an emergency purchase as the one I wore to work ripped at work!), $3.95 health / beauty purchase, $4.00 card, $15 gift, $5.00 health /beauty purchase

Friday: $3.60 coffee, $5.60 takeaway lunch, $10.00 drinks

Saturday: $8.80 coffee (for myself and bf), $6.00 canvas – to make a cool artwork from a tea towel I purchased in NZ – my only souvenir! , $9.00 storage box, $12.00 scales

Sunday: $20.00 tithe to church, $29.00 breakfast – took mum out as she had paid for me the fortnight before.

Additional payments this week – not part of my usual fortnightly expenses but had been allocated to the budget for this fortnight:

$185.00 for accommodation for a friends wedding – interstate – in March

$76.00 for the wedding gift

Wins and fails for week 45

  • My ‘no spend’ days were non existent this week – fail! – and I went well over spending budget!
  • Wins: Both the accommodation and wedding gift came in slightly under the budget I had allocated, $200 for accom and $100 for gift. Also, we received our first electricity bill and it was $177, so $88.50 each. I’d actually put aside $190.00.

Starting debt at March 2013: $14,774.12 (ok, something weird is going on with my ‘Week’ numbers for my updates – I started the debt breakup in March 2013 but I am only up to week 45 on my updates? I think I may have messed up my tally mid last year when ceased posting as work was crazy hectic and I was on the verge of a mental breakdown! Anyways, my next update will be at 1 year pretty much and will start my tally again Year 2 – week 1 etc.)

Current Debt: $5,775.05

Debt paid: $8,999.07 (so close to $9,000.00 in repayments!)

Week 45 report reporting on my expenses that come from my allocated ‘spending allowance’ per week. All other regular and fixed expenses are outlined in my budget here and automatically debited etc. Grocery spend – although variable, is outlined in my fortnightly budget too.

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3 thoughts on “Week 45 – Spend and Debt update…and oh, my trip to New Zealand!

  1. I went over budget too this week. and spent way too much and had to take from other envelopes./

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