Live On One Salary Challenge | UK Cash Envelope Stuffing | Savings Challenge Completed #savings

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February Challenge:

Budget With Me | February 2024 | Frugal Challenge | Live on one income | Savings Goals

We are a working couple in our early fifties with a teenager and a dog.

Our channel is about budgeting,cash stuffing, saving and learning to live a life without relying on credit.

In 2024 we are focussing on funding travel and paying down debt.

I share our real numbers as well as the ups and downs of our budget as I find this has helped me learn from others in the budgeting community.

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Hello everyone welcome back to 50-some budgets I hope you were all well and had a super duper week I’m going to do a recap of our budget for the second week of February today and then cash stuff for the third week of February um so if

You remember we are on uh a fralish plan um this month to try and save everything my husband earned um this month so his salary and his bonus which is 4,000 £16 so let’s have a look and see what we did um with no spend days and then we’ll

Have a look at the budget so wasn’t a great week for no spend days um so Friday was a spend day uh we spent food I can’t remember what we spent on Saturday Sunday again was an old spend day and then we only had um a no spend

Day on Tuesday um Monday I actually went and bought some makeup with my um own spending money because I had lost my lipstick and I had my interview on Tuesday for the promotion at work however on the Monday I was about an hour down the motorway all set and

Raring to go looking quite forward to it feeling prepared and I got a call to say that the um person at the client company was poorly and had to inter had to cancel the interview so I still don’t know it’s not moved forward I have’t got

A date for another um final interview so we shall see what happens with that one um so yeah it was a bit I was a bit deflated on the Tuesday um but we shall see um what happens with that um and then Wednesday was Valentine’s Day uh we

Ended up having um a Chinese Takeaway out of our entertainment budget went somewhere different who um said it the what I was having was gluten-free yes they confirmed they could they could um provide me with gluten-free food and yesterday I was so ill so ill it’s like having the worst hangover with terrible

Stomach cramps when I get glutened so I’m feeling a bit better today but Thursday I was bad um and on Thursday I had to nip out and get um something for my son and I to eat for lunch because we’ve we’ve done really well on the

First two weeks of the month on food um but there is nothing in our house so how I’m going to do it for the next two weeks I don’t know it is going to be a struggle um so my husband’s having his haircut today which is the Friday the

16th which is the start of our week three budget my son and I are getting our haircut tomorrow um I’m away Monday night hopefully there should be no spending here and then I’ve got waxing appointment on the the Wednesday which is booked so at least I’m going to have

My hair done for the next time I have to go for that interview which I think is going to be this last week of the month okay so let’s have a look and see how we did with the budget I’ll Zoom you in a bit so you can see the figures there we

Are trying not make you see sick so we rolled over £ 3,580 in our current account and £ 4400 in cash and that was on the 9th of February um my other income was the 9 refund for Max and Spencers for some trousers for my son and then there was

£130 used from savings so that was some from syncing funds and some money that me and my husband paid back into the account for spending that we done through our current account so we spent 915 on beer so I know we will be spending money on beer for my husband I

Just haven’t budgeted for it and it’s not included in our food budget I spent £8.99 on some um bolts to secure a metal plate to lump of concrete so that we could stick a f po fence post in because we we had that really bad weather a

Couple of weeks ago we lost three fence panels um so those were the for the bolts £13 came out of my account for work expenses because I was too late to cancel the accommodation that I’d booked on Monday night and I’d secured it with my card because it wouldn’t accept my

Company credit card for some reason but that’s expense has been approved so that should be on its way back to me I spent £7 on dry cleaning the travel for my husband’s suit and then 501 was for um another couple of pairs of trousers for my son because he’s in a

36 in waist and a regular leg um I measured him the other day he’s 13 and he’s 5′ 7 and a bit um and in medium medium men’s clothes So Gone of the days I’ve getting cheaper things and for so they’re like proper men’s suit trousers

So it’s £1 1699 they’re on spend in I didn’t have any bills at all this week which leaves me 3,979 N1 so food we managed to come under the60 budget for this week which was 5863 spent on food so I’m really pleased with that uh it was touch and go at some

Points about whether we were going to be able to do it cuz as I say there is not there is no meat left in our house we had one tin of chopped tomatoes no baked beans one egg um yeah we managed to there’s a couple of nights we managed to

Cobble stuff together like Thursday night when I was Ill we just managed to scrape things out the freezer really um to get my husband and son something to eat so 175 on household nothing on toiletries um my husband and I bought a book that we’re both going to use on

Intermittent fasting so I used my Amazon shoper panel vouchers um from January and the $9.99 from the the buffer which had a tenor in it so we bought that um £15 for school so he’s not been at school this week my son is at half

Term but I had a load of pound coins from when I finished the passport challenge so I’ve just put that1 15 into his bus Fair pot so that will cover us for the rest of the month and then the first week of March we spent £530 on that poisonous Chinese which was

The rest of our entertainment budget and then I spent £12 on a Love Struck calling the cap calling the caterpillar cake for me son and a card for my husband um spending was 6347 that spending is my husband bought um a couple of games for his PlayStation

Second hand I bought a book for next month’s book club um we bought ourselves some treats at the shop which we paid for out of our own pocket money rather than out of the food budget um trying to think what else else there was that

Might have been it I think oh that was my makeup which was £30.50 which is a fabulous deal at Mac just buy two things get a tener off and then they give you another 15% off so I ended up buying a blusher and paying four quid for a

Lipstick um but all of that as I say is covered by this savings but the this savings used that’s uh we’ve paid for all of that this is a bit blurry I got a feeling that this is a bit blurry bear with me you know I think

It’s just these new glasses I’ve got I’ve taken it the my phone out giving it a away but I think it’s these glasses um that I got from the Opticians they’re so good that if I’m too close to things there it’s too blurry um so I’m sitting

A bit too close to the phone I think so apologize for that I hope it is clear for you so where did I get to school uh yeah5 pound on bus Fair nothing in Slimming World my husband’s decided not to go to sliming World um because he’s

Losing weight on this plan well it’s not a plan is it that we’re doing it’s a um it’s just a we’re just eating normally we’re just cutting out a load of rubbish um he’s lost 5 pound and I’ve lost three I think um so that’s why there’s nothing

In Slimming World then we’ve got the poisonous Chinese Valentine’s hour spending and then a sack of food for the dog at 1350 50 so was 9964 spent in variable expenses which left me £ 3,780 27 so up to the top we spent uh £40 was put into the Home Insurance sying Fund

30 into Chop’s birthday 45 into Beauty and then that usual Round Up of the last three digits in my current account was 842 this week so there’s £1 1223 42 gone to savings uh leaving me 36568 I haven’t paid anything to extra debt this week um so I’m left with the same 3656

85 and then I’ve put um £170 I’ve got to go in uh savings challenges so that was the February flip the Friday saver the 20 24 saver um which is where you Sav 20 24 times 2020 before didn’t get anything rose gold got a 10er manifestation got 20 25 Jazz got

A 10er and then there was just 70 P to go into pamy which is in my sapiano now I’m actually exactly £11 short of what the tracker says I should have i’ that says I should have 3,547 and I’ve actually got 3,536 so to say that I’ve hardly spent

Anything in cash this week God knows what I’ve done again it’s probably the TNS and throwings of money going in and out um so let’s see how much I’ve saved in this week so I saved 120 12342 in sying funds and then I put £170 into savings challenges which is £

2242 so if I got 22412 so far this month I have saved 73439 there we go that’s where I am so far against my target of £ 4,156 so I’ll just show you what I’ve planned for next week and then we’ll sort out my safiano because it’s only

Really the 70 P to go into pamy there with me there we go so I’m rolling over £ 3,180 in my current account and 357 in cash I’m expecting 75 P of other incoming which will be a little bit from YouTube I think should hit this week um

And I’ve got a little bit of a refund as well coming through excuse me and then I’m using A1 pound of savings um which is our haircuts syncing fund so I’ve got 3,712 so so I’ve budgeted £1 for the credit card I think it’s just under but

I’m going to pay 100 um there’ll be a little bit of a extra payment goes down here um 17 to Apple music 42 to Virgin Media and then there’s £2 to my book club and then at the bottom here I’ve put the1 to haircuts so that’s

271 um going to bills and then we’ve got 3,400 41 left over okay so I know not all um budgeters and people who do YouTube talk about sort of their income and bills as much as I do and I heard an expression um today and I can’t think who it was from

I’m sure it’s from um it was like a YouTube or you know these Instagram shorts about someone who’s called they call it loud budgeting when you talk about like your whole budget I think I’ve never heard of that expression before I don’t know if anybody else had heard of loud budgeting okay

So um I’m setting the budget at60 for food I think that’s an absolute miracle if all I need to spend this month this week is60 on food as I said we’ve got absolutely no meat no cheese no eggs no nothing um so I really am down to starting again really um household I’ve

Got five left toet I’m rolling over the 13 miscellaneous I’m putting T10 p in for that miscellaneous SL buffer uh 20 for school for lunches uh nothing for sliming world and then uh and there’s nothing left in entertainment so that is a total of18 into my um safiano leaves me £

3,333 so the syncing funds I’m stuffing this week are 30 into back to school 30 in to my birthday and then we’re allowing £10 for that full and final last three digits challenge kind of thing at the end of the week so £70 sinking funds leaves me

3,263 as I said there will be a little bit of a overpayment to the credit card and then I’ve got my usual £100 going into savings challenges leaves me £ 3,163 I really want £3,000 um to stuff at the end of this month um because then that would if I

Count in what I’m putting in syncing funds what I’m putting in savings challenges what I’ve already saved and £3,000 I will hit my target of 4,156 okay so that is the plan so we will see what’s uh I’ve got to stuff and what’s in this safiano let’s just pull out a bit

Okay so nothing left in food um5 left in household to roll off over3 left in toilet to roll over nothing in miscellaneous nothing in fun that’s the5 roll over from um the first week now if I need to use that to bump up what’s in um the amount that I’ve got

Available to spend in this third week then I will um I just want to try and keep on budget I have also got £45 worth of tesc vouchers that I could use as well um that’s some income other income that I’ve got that I stuff separately at

The end of the month and then I’ve got the 70 P um which is a little little tiny treat for um Pammy okay and then I’ve just got some cash there to go back to the bank so let’s put the 70 p in a very dusty Pam oh

Goodness so what have we got somewhere around cuz I know it’s not 100% accurate 79 9.76 so we might get to £80 by next week okay so that’s week two I’ll finished with then so I should have in here £250 which is for me to stuff for um week

Three so I’ve got 20 40 60 81 20 40 50 60 70 80 90 2 10 20 30 35 40 45 50 super duper it adds up so I will be doing a giveaway at the end of February um for when I hit 2,000 subscribers so I

Think I’m about 13 or 15 subscribers away so thank you so much for the people who continue to subscribe and for those who have recently subscribed to the channel um as I said because I’m doing this kind of trying to save not spend I’m not going to do the giveaway until

Um after the end of the month so um you’re still got a chance to subscribe and to win that and I’ll talk more about it when the time comes okay so first thing to do is to put in the weekly spends so I’m going to put 20 40 5060 into

Food I’m really toughed actually with what we’ve done um these last two weeks with food and how we’ve cut back on a lot of treats and silly spending um and we both feel so much better for it it’s giv husband a real Kickstart about losing weight um and we’re both kind of

Looking at trying a bit of intermittent fasting um as well because we’re feeling so good on what what we’re eating now uh households not getting anything added now toet toiletries cuz they were monthly budgets but there is £10 going into this miscellaneous buffer um I’ve also got that1 pound to use towards food

If need be keep me on track nothing going into family fun and that’s everything for the weekly spends not much at all in there um so we’ll do annual so the annual that’s getting stuffed this week is back to school um so back to school has got a bit less

Than it did have cuz I’ve spent 50 on those trousers for him 2040 going into there so that’s back up to 100 20 40 60 70 and back to school fill the tracker in when I’m done seem to be a bit wonky today in me positioning um and that’s the only one

That’s getting filled in annual and then in birthdays and occasions I’m going to do my birthday and my birthday is going to get30 so 20 30 okay so in my birthday I’ve got4 120 40 50 60 70 80 180 so um 20 40 60 80 100 20 40 60 80 oh I can

Color in two cakes that’s right isn’t it uh 1 2 3 4 five six 7even eight yep that’s right so I’m coloring two wonder if I didn’t color one in when I should have done so we are pink and yellow out for these cakes that I think the Pink’s very good

Oh no that Pink’s better than the last one I give that one a little top up of pink there we are yellow on the bottom oh I’ve got two to do I A 1 two three four five six seven eight uh yellow on the bottom pink on the top it’s like that

School icing used to get isn’t it pink icing vanilla custard or pink custard and plain icing and then we’ll light the candles if I can find the orange there it is one two three four five one for every decade I did get a compliment today our clients was telling me about um some

Will be no that’s um unfortunately had a stroke and I said oh he’s not much older than me I said I think he’s about my age no no no he’s much older than you and I well I’m nearly 54 and she was like you never are my God you don’t look anywhere

Near 54 and I didn’t have any makeup on so that made me day that was Fab okay so have I got1 left 2040 50 60 70 80 90 uh 110 so I’ve missed something out what have I missed out food miscellaneous oh God I do this every

Time don’t I um I think it’s cuz I was going to put the money in the bus fair and I haven’t see I do it on here I have it all on here for me to uh as a little cheat sheet which is another sheet in

This book so um 60 70 uh 80 40 20 30 25 15 20 10 30 now that’s right 250 I’m going crackers we’ll see what comes out of the wash at the end um I know what I’ve done I’ve put the buffer down twice so it is

240 so I I’ve got1 P too much so we shall put that in back to bank and then we can do that for next week save you’re going to the bank right so everything left here then is for savings challenges so am I putting anything in

The annual ones yes I am of course I am doing the Frid server so I’m doing 16 this week CU sorry I’m doing 15 this week because I did 10 last week um so need a purple oh dear that’s not the same color is it so 10 15 I still think I’m

Blurry well if it is too blurry to post then we’ll just have to miss a week okay cuz I done it by then 20 40 60 70 80 8590 in the Friday saver oh and the 2 92 so I’ve just got2 to put in um next week because I’d

Put the put five in the first week so that accounted for the three of the 23 that’s that one um am I doing oh I’m doing Christmas as well so Christmas is getting 20 we’ll see if we’ve got a brown I’m sure I’ve got a brown in these uh

Sharpies yes I have we’ll do this reindeer Brown so last year I think he was just Brown so this year we might make him Rudolph cuz I did the same challenge last year and we’ll give him a red nose there looks like he’s sticking his

Tongue out more than he’s got a red nose Okay so I have now got in Christmas 2030 um and I think I am going to massively reduce my Christmas budget than what I normally spend with is going to new New York cuz we’ll be wanting to

Spend when we’re out there so I’m not spending all that money out there and then coming home and spending another fortune on Christmas so I think that 250 and the ,000 I’ve got in there will be my entire Christmas budget which is still a massive amount of money but it’s

A lot less than we would normally spend on Christmas okay so now we’re going to do the quarter um quarter one binder so we’re going to do the 25 pound on the February flip so that’s that one so we’ve got 25 so we’ve got January’s money in there

Already and then for February we’ve now got 2040 65 there we go and that one okay and we are finishing winter today so I’ve actually done last year uh Spring Summer and Autumn and then I’m completing the winter today and I’m going to uh redo these this year I’m

Just going to keep doing them I need to find a different place to put my light cuz that ring light is so annoying with these always seems to reflect on the glossy challenges so we’ve got one oh gosh it’s a bit of a mess isn’t it never mind

One pink red hat and one no not that one one pink hat for the last1 we are so I put the10 in I should have £ 1220 in here 20 40 60 80 and 1020 fabulous all done yay so what I’m going to do is I’m going to

Take that one out and I’m going to put it at the back like I do with all the completed ones in the binder and I’m going to slip spring in so I’m probably not going to do a lot of spring in March um because I’ve got all the other

Challenges to complete to hit my ,450 target um and this one will roll over into quart two binder anyway okay so we will put winter at the back cuz it’s finished oh goodness me sorry I just whopped the uh stand with the Pinder I’m getting so excited I can’t

Control myself right so that’s that one done and then rose gold is getting 15 so what I’ve done with these I’ve just put a little dot on the bottom you might not be able to see it on there just so I know that I’ve actually done that one otherwise I’ll get confused

Doesn’t take much £15 into rose gold so that means I’ve now got I get the money in the right way go there go up there 20 40 50 60 70 80 90 9500 so I’m halfway with the rose gold Challenge from budget with Ira so I need

To scrip another one off so I’m using a key cuz it’s what’s Andy um so next week I have got 10 very nice so I keep thinking there must be another 40 under here somewhere um another big one to come and bite me when I’m least expecting it get rid of

All the bits yeah so 10 for next week okay and then the last 15 is going in to 25 jars so this has got 325 um to save in this one which is rather a lot so I’m going to do um 14 and one I think I do need that darker purple

Pen for these which one was the darker purple not that one is it this one no that makes no difference does it can’t remember which one it was now I shall I have another girl with this one was it this one yes I like that one much

Better they look a bit more filled in than the other ones there we go I’ll show some of the um Sharpie just rubs off okay so in 25 jars I have now got 20 40 60 80 90 105 so still a way to go on that

One I think I’ll put the money away and I’ll just leave that out to dry for a second oops up there there we go all stuffed for another week there we are okay so that’s it we’re all stuffed over and done with pretty quick as isn’t it

Always I look forward to stuffing all week and then it’s done in a Flash so I still haven’t um posted my video of what we spent and what we saved in January so I will do that I’m going to try and hopefully get that one up for you on

Sunday um and I also haven’t shared my meal plan for next week um so bear with me a second and I shall get the pad and we’ll just have a quick look at what that meal pan is okay I’m back with the meal plan so I’ve cross breakfast out

Because we’re going to do this 168 intermittent fast in I think my husband did a fast this week of 24 hours and I think he’ll probably do another one of those as well um he says it makes him feel brilliant I think it would make me feel Dreadful um so there’s no breakfast

My my son has cereal but the minute he’s not really eating breakfast um I’ve also got some quels in the freezer that I might get out and see if I can tempt him to have something my son has School meals so he will continue to have that

And then our first lunch when we break half fast is going to be smoothie using frozen veg some yogurt I’ve got in um bananas um and some um plant-based milk and then I might make some little oat muffins to go with them as well which

Would be like my baked oats that I have all the time so again egg yogurt frozen berries um oats so that’ll be those as well um and then we will have another small lunch a bit later in the day so there’s a nice pinch and on recipe for a spicy sausage

And tomato rice cuz I’ve got quite a lot of chicken sausages it’s about the only meat why am I shaking it’s about the only meat I’ve got so um yeah I’m going to use that got some Jackie potatoes I’ve got some soup in the freezer um I quite like this pinching on

Pizza toast where you put tomato I can make a little tomato little tomato spread put that on with some cheese um and then put it under the grill and then bean and rice tacos uh which was a recipe that uh Barney budgets shared with me um so we’re going to have that

This week cuz that sounds lovely um and then we’ve got the risotto so Chito and sundried tomato risotto with some chicken on the side a chicken curry with some rice and just Oven Chips just like something quick on a Sunday though my husband just sent me

A um has just shared with me a recipe on Facebook which is sausage and beans with cheese on and smiley faces that he said will be nice for Saturday I thought yes but we’re not five um sausage and apple casserole which is a te in twins recipe

Another one that my husband found so we’re going to have that one with mashed potato vegetables on Sunday and then I’m going to do some of these little mini Jam sponge and custard um Monday I’m going to have uh my husband and I will have chili and

Wedges but we might I don’t know whether we’re going to do that in the tacos or not with a bit of salad and then um there’s a burger that might uh we’ve got a burger spare cuz I bought four Burgers they eat three of them I have a veggie

Burger and then there’ll be a burger spare so my son might have that or he might have something else that we can f like an omelette or something um got turkey bolog and garlic bread the turkey was the uh again was one of the few things that we had left in the Freez

Um we had garlic bread I’ve had to buy garlic bread or I’ll have to buy garlic bread for me um and then we’ll have burgers and sweet potato fries so these meals might change around order and then again we’ve got the chicken fajitas as well but any chicken on there I’m going

To have to buy cuz I’ve got absolutely none left at all um so that is the meal plan um I am away on one night so I might taking some of this away with me like this chili might Come Away With Me me in a flask rather than um having it

At home so um and the burger is on the Monday because my son can cook that himself um so there we go that’s the meal plan I said I would share that with you and uh each week with what we were eating so and again any ideas you’ve got

For uh cheap meals healthy family meals then do let me know in the comments below cuz that’s been really useful for me okay so um as I say I will be back on Sunday with my watch we spend and Save in January video better later than never

Um if you haven’t subscribed so far then please do so there will be a giveaway once I hit 2,000 subscribers um at the end of the month and that’s the dog having a good old Shake uh so until then do take care I shall speak to you all soon bye bye