Tuesday, October 27, 2020

My Money: ‘Hollie thinks she spent lower than me’

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Image copyright Jay and Hollie My Money is a collection how folks spend their cash – and the typically powerful choices they need to make. Here, Jay and Hollie, a pair from Liverpool, doc their spending throughout the coronavirus pandemic.Hollie is 23 and lives along with her mother and father, whereas her boyfriend Jay, 27, lives at home along with his grandad. They each wish to move out to hire a spot collectively, however Hollie says she’s an excessive amount of of a spendthrift to save lots of sufficient for a deposit on a flat. Hollie earns £1,300 a month working for a financial institution. She works 4 days on, 4 days off dealing with calls on fraud, disputes, and normal customer support. Jay works in a bar and earns as much as £16,000 a 12 months. He was on depart the week of this weblog. In their spare time, they each love gaming, going to theme parks and doing something spooky – “any stereotypical goth stuff”. At the start of the week Hollie mentioned she wasn’t massively fearful concerning the coronavirus danger. She has already had Covid-19 and lives with two individuals who work on Covid wards, so feels extra in danger at home than when she is out and about. But by the tip of the week, Hollie’s views had modified. Hollie and Jay stored their cash diaries earlier than the newest restrictions had been introduced for Merseyside. Over to Jay and Hollie… Hollie: So I’ve began the week by waking up and searching on social media in mattress. Regrettably for somebody who spends lots of effort making an attempt to not spend an excessive amount of cash on on-line procuring, I occurred to stumble throughout a few adverts for garments that I REALLY preferred. I bought a crop prime and tote bag from one firm (£33.95) and a crop prime and tote bag from one other firm (£38.70). I do know that I actually don’t want two tote baggage and I do not even bear in mind the final time I had the arrogance to put on a crop prime… however I actually haven’t any self restraint.I bought away from bed in an pressing try to get off my cellphone and cease searching garments, and made my manner into the town centre (£2.20 spent on bus fare) to fulfill a pal for some brunch. On the way in which, I finished off on the nearest store and bought a pouch of tobacco (£20). For brunch, I purchased a vegan membership sandwich, a salted caramel latte with oat milk, a vegan chocolate cake and an iced tea. This got here to £16.80. Total spend: £111.65Jay: We bought the bus into city with Hollie, so I spent £2.20 on the bus fare. I then purchased a pack of cigarette filters, which price £1. I bought myself a margarita pizza and a drink for £4.23 and performed some video games within the arcade while ready for Hollie who was along with her pal. Then I met up with them to play pool and have a drink. I purchased mine, Hollie’s and her pal’s drinks, which got here to £9.30.Total spend: £16.73 Image copyright Jay and Hollie My MoneyMore blogs from the BBC’s My Money Series:We’re in search of extra folks to share what they spend their cash on. If you are , please e mail my.cash@bbc.co.uk or get in contact by way of our My Money (World) Facebook group, or when you reside within the UK, please be a part of our My Money (UK) Facebook group and we’ll goal to contact you. Hollie: Jay and I made a decision to have a date day in Manchester. I purchased a bottle of kombucha on the prepare station as I hadn’t had the possibility to have my morning espresso and was getting fairly cranky! (£3… which made me much more cranky). After lunch (which Jay paid for) I launched him to my favorite LGBTQIA+ bar and I handled us each to a pint every (least I may do and so they had been solely £2every!). We ended up going to 3 extra bars alongside Canal Street, stopping off for a drink in every bar. I paid £5.20 for 2 halves in a single bar and Jay paid within the others. We then ended the night time in a pub near the prepare station, the place I paid £10 for 2 pints simply earlier than heading home. We had our masks and hand sanitiser the entire time so we stayed wise. Total spend: £22.20Jay: I booked two prepare tickets to Piccadilly Station (£19 for 2). We bought prepared and jumped on the bus into city (£4.40 for 2 bus tickets) and headed straight to the station. Once we bought to Manchester, we stopped off at a close-by bar and bought a pint of beer every, which got here to £9.60 altogether. We then walked across the nook to our favorite restaurant, which we had a reserving for at quarter previous twelve. In the restaurant we ordered two beers every, two burgers, mac and cheese and loaded fries. Image copyright Jay and Hollie We hadn’t tried a few of the meals that we ordered but so we determined to halve all the things to share. All in all, meals price £50.10 (costly however so value it). After we completed our meals, Hollie took us to the Gay Village for some drinks. I had not been earlier than and Hollie actually likes a few of the bars there so we determined to have a bar crawl. Hollie purchased me a few drinks whereas we had been out, so I solely paid for a spirit and a pint for us in a single bar (£6) and a pint every for us in one other (£8.30). I’ve at all times been cautious and conscious of the Covid dangers, as a result of I reside with a susceptible individual, so I take further precautions with recurrently sanitising and protecting distance, however working within the hospitality business I’m already in danger as it’s. Total spend: £97.40 Image copyright Jay and Hollie Image copyright Jay and Hollie Image copyright Jay and Hollie Hollie: On Wednesday I had deliberate to go go to a pal for a catch up in a pub we recurrently go to. I awoke and jumped on the bus straight into the town centre (£2.20). My pal was already ready for me after I arrived, so I eagerly bought myself a pint of cider (£2.55) and we ordered three small plates of meals to share (£3.75). I purchased myself one other couple of drinks throughout the catch up (£8.20) after which stopped off at a close-by store to purchase some tofu earlier than heading home. Whilst on the store, some vitamin tablets caught my eye, so I ended up spending £1.98 on a block of tofu and £4 on nutritional vitamins for vegans. When I bought home, I watched some TV with Jay and we ordered a takeaway, which he kindly paid for.Total spend: £22.68Jay: I bought the bus into city with Hollie (£2.20) and whereas she met her pal I finished off at a bar to have a few drinks (£9.40 on drinks). When we bought home Hollie was going to cook dinner us dinner, however I actually needed a chilly drink and because the retailers had been closed at this level we determined to get a takeaway. I ordered a few cans of soppy drink and we bought some chips and garlic bread to share (£16.60).Total spend: £28.20 Image copyright Jay and Hollie Hollie: Today we determined to have a lazy day. I simply wanted to pop to the native store to get some fruit and veg for the remainder of the week so we took a visit across the nook and I spent £16.91 on the entire veg and a melon. I used to be planning on cooking us some meals for dinner, however after my mum and stepdad got here home and ordered a Chinese takeaway, me and Jay bought main meals envy so determined to additionally order one (paid for by Jay).Total spend: £16.91Jay: We spent the day watching TV and gaming. I wasn’t planning on spending any cash at present, however Hollie determined that she actually needed Chinese for dinner so I ordered us a takeaway, which got here to £14.70.Total spend: £14.70 Hollie: Today was my first day again working (from home) after a beautiful six days off, so I awoke an hour earlier than I used to be about to begin work and made myself and Jay some cheese on toast and occasional. I really like days when I’m in work, as a result of I simply cook dinner issues that I have already got in the home and I’m too busy to spend a lot cash, however on this event I did spend £5 in direction of a group for a colleague who has just lately had a child.Total spend: £5Jay: Hollie was again in work at present, so I left her home at about 9:00 and headed again home. I spent the day gaming and watching movies, speaking to Hollie every time she was on her break. I ate meals that I had already purchased from my meals store, so I didn’t spend any cash in any respect at present.Total spend: £0 Hollie: Today was the primary day that I didn’t spend any cash on something in any respect and I’m actually happy with myself. I awoke and had some honeydew melon and an oat milk espresso for breakfast after which cracked on with work. For lunch, I had some fast noodles with fried greens after which for dinner I made myself some vegan rooster nuggets, onion rings and gravy (random combine, I do know). I then spent the final hour of the day earlier than mattress enjoying a number of video video games. Total spend: £0Jay: I awoke early and did my weekly meals store with my grandad. I ended up spending £38.25 on foods and drinks to final me till subsequent Saturday, after which I headed again home. I made a decision to go meet my finest pal on the town simply to get out for a bit. I bought the bus into city (£2.20) and stopped off at a close-by store to purchase a can of vitality drink and a 50g pouch of tobacco (£22.95). While I used to be with my pal, I ordered a panini and a beer (£3.99). After meals, we moved to a special bar in order that we may watch the soccer, and I purchased one other pint for £6. We then moved on to a different bar to fulfill a few of our work mates for a short time. All in all, I spent £23.41 on drinks. I left to go home at about 1:00, and as I had missed the final bus, I spent £9 on a taxi again. When I bought in, I put a movie on and fell straight to sleep.Total spend: £105.08 Image copyright Jay and Hollie Hollie: Today I awoke and had some melon and occasional for breakfast once more, after which set to work. For lunch, I had some leftover garlic bread from a takeaway that my mum had ordered the night time earlier than with added jalapeños as a result of I really like a little bit of spice in my life. I invited Jay over for dinner so he introduced a bag of rice and I made us sushi and vegetable curry (tremendous random combine however we’re so indecisive and could not select between the 2). We ate dinner collectively after which he left once more as a result of I needed to get again to work. Total spend: £0Jay: Today I awoke at about 15:00 and determined I might spend the day watching TV and gaming. I chilled out for a lot of the day, after which Hollie invited me to hers for dinner. She wanted some rice in order that she may make sushi rolls for us, so I finished off at a neighborhood store and acquired a bag of rice for £1.99. We ate sushi rolls after which I needed to depart to return home as she needed to proceed with work. Total spend: £1.99 Image copyright Jay and Hollie Total Hollie spent this week: £178.44 Total Jay spent this week: £264.10 Image copyright Jay and Hollie How do Jay and Hollie really feel about their week? Hollie: I believe I most likely spent lower than what I assumed I might spend to be sincere. I believe I did fairly effectively by way of not shopping for too many garments or takeaways. It’s been a little bit of a actuality examine as to how a lot we spend, particularly on foods and drinks, and that we actually want to chop down if we wish to save as much as move out any time quickly! Jay: I used to be paying for many of our issues, in order that’s most likely why Hollie feels as if she’s spent much less. But I believe writing issues down has actually helped us.Hollie: I had a Covid scare this week, seems it is only a chest an infection nevertheless it actually put issues into perspective for me and I believe now I’d fairly keep in for a short time. Since doing this weblog, Liverpool has gone into native lockdown so we won’t get buses until going to work and there are not any eating places round by us. It’s additionally unlawful for us to enter one another’s homes in the meanwhile, so I believe for the foreseeable it’s going to simply be a case of assembly up within the native pub once in a while. It’s not nice however we make it work – we each ordered a Domino’s on the similar time the opposite day after which simply messaged one another our ideas about it whereas consuming! It’s a loopy time for everybody proper now however I do know it is for one of the best. People’s security is much more essential than us going out consuming. Image copyright Jay and Hollie

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