The figures are in for a complete ‘boating year’ and hurrah! We are well in the black.
Overall, just over 50% of our joint income went on the essentials,, and 38% on everything else, so we even had a little ‘mad’ money!
I never intend to account for every solitary penny. I may be frugal, but I’m not obsessed! Saying that though, at the beginning of the year we were more than a little anxious as to how our finances would pan out, but my first comparison post was encouragingly positive.
We managed to shave almost £200 off our food bill this year, not bad bearing in mind that included £208 on the Naughty Sheet (that is SO going to change). There is room for some additional tweaking though as I shall be making more meals from scratch, and now that we have the pressure cooker, two-day stews are on the menu again.
Whilst house sitting, I’ve been experimenting and apart from the day I made bread pudding, I haven’t used the oven here at all.
Even better, by only having the one car, we have reduced our expenditure by almost £665.
However, taking into account the car repairs we had on Hubby’s Partner in 2014, that reduces our savings, but it is still over £300 less as we only have one insurance to consider and the MOT and servicing costs don’t apply until 2017. Funnily enough fuel works out at only £6 down on 2014, but that’s not surprising as our mileage is more or less the same and fuel prices were higher for the majority of 2015.
On average, our laundry is costing us £21 a month, which is much better than the £33 per month the previous year (equated over the five months August to December 2014).
Obviously Maggie’s operation has put a dent in our Dog Fund reserve, but there is still a fair bit in there for emergencies thank goodness, and I shall top it up with what may have been our insurance renewal premium. We had an excess to pay of £100 anyway, so technically adding £200 to the pot is reasonable.
On the boating front, our annual electricity usage is less than when we were in the cottage, and that includes our winter heating. Of course showers and laundry aren’t reflected in our figures, but it’s still nice to know that we aren’t using more!
Regarding maintenance, mooring fees and licences, they were all covered by the 10% adjustment I added to the 2014 budget.
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