Well, my second month tracking my spending has certainly been another eye opener…. there is a clear difference between what I though I spent, what my (very flexible) budget says and what I actually spent. And yes, you guessed it – what I actually spent was considerably more.
Overall I’m happy that most of my money has gone on “sensible” things this month – Mortgage payments (yes they are massive), investments into my NISA, and mortgage overpayments. So I feel virtuous and *good* in this regards.
What’s beginning to become apparent, it how all the other items start adding up, and a few bulk purchases/replacements can really add up to a substantial amount of funds.
I do however subscribe to the paying it forward belief, some of the future purchases I’ve made will come to fruition later in the year and next year, and will give me loads of anticipation looking forward to them, and ultimately will be cheaper overall.
And onwards to October, when I’m away for a mega holiday, so I don’t expect much improvement in the spending.