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New Accounts Software and My 2010 Spending

I have been using an application called Cha-Ching (http://www.midnightapps.com/) to track my spending since July 2007, but this application is now dead. It stopped active development well over a year ago and the remains has been bought by Intuit who have killed it (to be fair it was almost dead anyway) and not provided an upgrade path to their product Quicken.

So I am moving to iFinance, which was on special in the Mac App Store the first week.

I have sorta worked out how to move my data but it will take a bit of massaging into the right shape. I have extracted the data from the Cha-Ching backup as fortunately it was stored in an SQLite database.

A follow up to the 2008 figures here.
And the 2009 figures here.

So here is my look at the spending for the year just gone Jan to Dec 2010.

First I looked at what I had spent in shops to see which big names got my £.

I have expanded the number of 'High Street' shops and split them into big chains, locals independents, and web names. These figures are as a % of the total High Street spend.

Chains

Morrisons 30%
Tesco 15%
Shell 7%
Costco 5%
Aldi 4%
Sainsburys 4%
Lidl 1%
Asda 1%
Ikea 1%
BP 1%
Autoglass 1%
Argos >0%
Wickes >0%
Julian Graves >0%
Spar >0%
Little Chef >0%
M & S >0%
Matalan >0%
T K Maxx >0%
Dobbies >0%
B&Q >0%

Local Independents

Bassaguard (Mechanics) 16%
Minick (Butchers) 2%
21CC (Fireworks) 1%
Garden Tools (DIY) 1%
3000rpm (Computers) >0%
Mellis (Cheesemonger) >0%
Home Improvements (DIY) >0%
Balgrove (Farmshop) >0%
Jannetta's (Ice Cream) >0%

Web

Amazon 4%
Audible 2% (which is also part of Amazon!)
Abe Books >0%

Missing this year that appeared last year: Co-op, Homebase, The Body Shop, Esso, Kwikfit

Looking at all my outgoings I also did a split on type of my spending. These figures are as a % of the total outgoings :

house (bills, tax, repairs) 23%
mortgage interest 10%
groceries 17%
mortgage repayment 9%
motorcar 20% (petrol 8%, repairs 7%)
meals (eaten out) 2%
travel 4%
unknown 3%
shopping (non-food) 4%
gifts 2%
life (life insurance + medical) 1%
hobbies and conventions 5%
memberships 1%
bank charges 0% - no charges this year!

So that is where this years money went.

The high street spend accounted for about 38% of the whole spend, up from 26% last year but this was because I broke the data down more and included the local retailers.

Largest single payment £485.19 for a car repair.
Smallest accounted payment £0.50 for something in Asda.

My unknown spending almost halved, not because I was any better at record keeping but because I tried not to use cash. The new iFinance Mac app can sync with an iFinance iPhone app from the same people so this recording might improve this year, we will see.

Think this means it was an all right year. My total debt was down 9.37% which was at least heading in the right direction. The debt should clear over the next 12 years so this at least looks ok at the moment. My spending as a whole was down 20% on last year, but this comes after being up 27% last year. The cost of food and petrol have gone up a lot. I still this year need to keep a check on my spending.

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Andrew Patterson
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