Now I’ve finally (almost) moved into my new house I feel confident enough to make a few ‘expenditure’ goals for the next year or so…
NB the charts look much nicer on Tableau Public!
Projected monthly expenditure for 2019 (and the rest of 2018)
My projected budget for the rest of 2018 and 2019 is approximately £1230/ month. The breakdown is as below…
About £900 of this I categorize as ‘fixed’: items I can do little about in the short term, such as mortgage, council tax, broad band connection.
The other £300 I categorize as ‘flexible’… I could probably halve this amount, or even cut it to zero some months, although this wouldn’t be pretty!
NB – it’s not quite ‘true’, there’s somewhere between £50-100/ month which I’ve paid forward – e.g. car insurance I paid for in a lump sum (saving about £50 compared to the monthly version).
My ‘typical monthly’ budget for the last 5 years or so
Below is my budget from 2015… this is pretty typical of my last five years’ worth of expenditure, but tending towards the ‘frugal’ – this is taken from my initial ‘enthusiastic’ Early Retirement Extreme phase:
In short – the difference is all about the mortgage!
I’ve managed to halve my mortgage/ service charge from a combined £1400/ month to around £650 month, if I include anticipated heating costs (might be being a bit optimistic here!)
So… I’m calling this a success: much lower mortgage, £6-700 taken off my monthly outgoings: BOOM!
The tabular version (which doesn’t look very pretty in WordPress, and may well be unintelligible in steem (bit of an experiment this!):
|Green Party/ Global Justice Now||15||15|