Reducing the discretionary spend – March 2021 results

Well, only one category is in the black this month; the car category continues to be underspent due to reduced commuting. However, although there's a lot of red showing on my budget's Variance table (the one that shows me how much I'm over or under budget for each primary category), the amounts are relatively small … Continue reading Reducing the discretionary spend – March 2021 results

Reducing the discretionary spend – February 2021 results

I am just a little bit proud of myself this month - my eating out/takeaway expenditure was the lowest it's been so far this financial year! Hooray! Other discretionary spending has also remained low to zero - no entertainment or personal expenses this month has helped to keep things down, plus car-related costs were also … Continue reading Reducing the discretionary spend – February 2021 results

Reducing the discretionary spend – January 2021 results

Well, colour me amazed and just a bit excited! January's eating out / takeaway / supermarket non-essential food and alcohol spending was the lowest of this financial year. It's nice to have a bit of a win with this after so many months where it was just way higher than it needed to be. It's … Continue reading Reducing the discretionary spend – January 2021 results

Reducing the discretionary spend – December 2020 results

As it turned out, December was my second-highest month this financial year for discretionary spending. To a certain extent it's to be expected - the festive seasons brings various social engagements, both work-related and personal, so naturally this month's figures are higher. However, social engagements were definitely more limited this year due to the pandemic. … Continue reading Reducing the discretionary spend – December 2020 results

Reducing the discretionary spend – November 2020 results

Before I get into the deets - does anyone else just feel Really Bloody Tired (RBT)? I think it's usually about this time of the year that I hit my RBT point, and I'm noticing it in my spending. I think this year just feels a bit more RBT than usual thanks to <waves hand … Continue reading Reducing the discretionary spend – November 2020 results