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  • FIRST POST
    • Munchin
    • By Munchin 25th Jun 17, 1:09 PM
    • 2,101Posts
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    Munchin
    Dreaming of a life after debt
    • #1
    • 25th Jun 17, 1:09 PM
    Dreaming of a life after debt 25th Jun 17 at 1:09 PM
    Hello

    It is a very lazy Sunday here and I've decided to start a new diary because my motivation had slipped from the old one. I also think health wise I've moved on a bit as I'm (whisper) fully recovered and don't want to dwell on eating issues. However, although I have made amazing progress in one area of my life I still haven't slayed that debt dragon ... which is the purpose of this new diary and starting with a clean slate .

    I should probably have named my diary 'Stop bleeding frittering' but that was a bit harsh, so sticking with dreaming of a life after debt. The plan is to slay the dragon of debt on this diary & be honest with my frittering but what I really hope to achieve is a annilation reduction of frittering which is my biggest issue.

    I use YNAB which is for me the best budgeting tool ever .

    Ok scary biscuits part - SOA & debt

    SOA

    Income - £2083

    Outgoings:

    Groceries: £120
    Entertainment: £45
    General: £30
    Work: £50
    Health/Beauty/Exercise: £100
    Donations: £15
    Pet: £20
    Diesel: £100
    Monthly bills: £400 (rates/rent/tv etc)
    Gifts/Xmas: £100
    Clothes:£50
    Annual: £100 (car, insurance, oil)
    Savings: £600
    Debt: £350

    Total: £2080

    Debt

    Car - £4872
    Credit card - £1129

    Total: £6001
    Last edited by Munchin; 27-06-2017 at 9:31 PM.
    PAYDBX 2017 - #12Pd £3915/£12,000 67% paid (Car - £2615 & CC £1300) . Slowly but surely. Debt Free Date - March 2018

    EF #13:£100/£20,000(.5%) PAD started 09 Oct 2017 Total PAD £19.03


    Speaking my truth from a place of love and kindness.
Page 1
    • dionysia
    • By dionysia 25th Jun 17, 1:38 PM
    • 63 Posts
    • 131 Thanks
    dionysia
    • #2
    • 25th Jun 17, 1:38 PM
    • #2
    • 25th Jun 17, 1:38 PM
    Hello! 'Stop bleeding frittering' would be a good name for my diary too! It's so easy to buy something here, something there, and get home and realise I've spent lots. Well done on tackling your eating issues, I'm sure with all that willpower to redirect to your debt it will be soon sorted too! You're doing really well with nearly 25% of your income tucked away for savings.
    June 2017: owe £16,818.
    • Munchin
    • By Munchin 25th Jun 17, 1:50 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    • #3
    • 25th Jun 17, 1:50 PM
    • #3
    • 25th Jun 17, 1:50 PM
    I have very little plans today but aiming big for tomorrow

    Plan for tomorrow (normally work but on leave)
    • Gym at 10
    • Weed garden at front (hated job)
    • Volunteer at credit union at 1pm -2.30
    • Prepare lunch/clothes for work on Tues
    • Sort out hire car details (going to visit sis & new nephew on Friday in England)
    • Volunteer Board meeting at 8pm & draft minutes
    • Surveys

    Busy week ahead - I was re-elected as Secretary for my running club so I have a meeting at lunchtime Wed + minutes. I have 2 volunteer Board meetings during the week + minutes... sigh. On Friday I'm heading over to England to visit wee sister & her new baby.. I can't wait . Other sister & her 2 kids are also coming so it will be a bit mad but happy mad.
    • Munchin
    • By Munchin 25th Jun 17, 1:58 PM
    • 2,101 Posts
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    Munchin
    • #4
    • 25th Jun 17, 1:58 PM
    • #4
    • 25th Jun 17, 1:58 PM
    Thanks Dionysia,

    Basically the world is set up to make it so easy for us to fritter.. go into shop for 1 thing & come out with 10 . I bought Allen Carr's Get out of Debt book this week - yes I know I frittered.. but hopefully it will change my habit.

    *subscribed to your diary - Good luck
    • Hiddenidenity
    • By Hiddenidenity 25th Jun 17, 2:31 PM
    • 5,318 Posts
    • 26,080 Thanks
    Hiddenidenity
    • #5
    • 25th Jun 17, 2:31 PM
    • #5
    • 25th Jun 17, 2:31 PM
    Happy new diary
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Munchin
    • By Munchin 25th Jun 17, 2:52 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    • #6
    • 25th Jun 17, 2:52 PM
    • #6
    • 25th Jun 17, 2:52 PM
    June spends

    Sun 25th - NSD
    Mon 26th - £17.16 (Hair dye, Halfords & Tesco)
    Tues 27th - £7.98 Disney store & £20 refund
    Wed 28th -
    Thurs 29th -
    Fri 30th - (England)

    Savings needed for...
    • Maldives (dream holiday)

    Shopping list (list here to delay spend &/or get cheapest price)
    • Sat nav (borrow OH)
    • Dash camera
    • Hair dye (now a necessity but sister does my hair for free for babysitting so not too bad)

    Gift card balances
    • £17.73 - Amazon (want to use voucher for dashcam)
    • £20 Next
    • £39.59 Topcashback (Pending not confirmed)
    Last edited by Munchin; 27-06-2017 at 9:05 PM.
    • Munchin
    • By Munchin 25th Jun 17, 9:29 PM
    • 2,101 Posts
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    Munchin
    • #7
    • 25th Jun 17, 9:29 PM
    • #7
    • 25th Jun 17, 9:29 PM
    Evening

    OH & I went for dinner at Ballygawley Castle which has 1 of 10 Game of Throne doors into their restaurant. Gorgeous meal & evening finished with a dander round gardens & on the beach. It cost us nothing as OH had gift vouchers from his family .

    Back to porridge tmw ...
    • Munchin
    • By Munchin 26th Jun 17, 4:56 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    • #8
    • 26th Jun 17, 4:56 PM
    • #8
    • 26th Jun 17, 4:56 PM
    • Gym at 10
    • Weed garden at front (hated job)
    • Volunteer at credit union at 1pm -2.30
    • Prepare lunch/clothes for work on Tues
    • Sort out hire car details (going to visit sis & new nephew on Friday in England)
    • Volunteer Board meeting at 8pm & draft minutes
    • Surveys
    Originally posted by Munchin
    Hi all

    I have been so busy today but happy to get so much done of my list. I turned up to the gym but my gym buddy didn't so didn't push it.

    I spent £5.13 in Tesco, £3.49 in Halfords (necessity) and £8.54 on hair dye which I know I can get cheaper but I couldn't remember the colour I normally get so after the poor girl spent ages checking and comparing I felt I had to buy it. On the good money news I cancelled a mag subscription and I have a £20 top I'm returning tomorrow which I bought last week because it was in the sale....can do better...

    As well as most of the things on my list I have updated a policy for my voluntary group, updated banking details, ironed clothes (hate, hate, hate it) and tidied the house a wee bit. I still have to cut the hedge, strim the lane and poison some weeds but I will not a get a chance now until next Tuesday if it stays dry.

    I don't normally have this much energy but maybe getting back to the list is inspiring me.

    I have checked some annual payment dates which are -
    • Car Tax - £30 - due 01 July 2018
    • MOT - £30.50 test + costs to prepare car - due 12 Sept 2017
    • Car Insurance - due 07 April 2018 - £400
    • Service due - 58000 miles

    If I get home from voluntary group early I might even attempt a draft set of minutes but more than likely I will just go to bed. I want to get early train tomorrow (6.45am) because I haven't been in work properly since last Monday (training courses & some leave).I think tomorrow will be a heavy day of reading emails and playing catch up. Other than that no exciting plans.
    Last edited by Munchin; 29-07-2017 at 5:57 PM.
    PAYDBX 2017 - #12Pd £3915/£12,000 67% paid (Car - £2615 & CC £1300) . Slowly but surely. Debt Free Date - March 2018

    EF #13:£100/£20,000(.5%) PAD started 09 Oct 2017 Total PAD £19.03


    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 27th Jun 17, 9:28 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    • #9
    • 27th Jun 17, 9:28 PM
    • #9
    • 27th Jun 17, 9:28 PM
    Hi

    I managed to get my minutes typed up last night so that is 1 set done and 2 sets to do tomorrow.

    Busy day today, I caught the 6.45 am train and then was home at 7pm. Work was totally manic with the most random pieces of work coming in so I didn't really catch up on anything.

    Money front - I took a top back and got a £20 refund but then I spent £7.98 in the Disney store . I'm heading to see sister on Friday and you can't turn up empty handed with a toddler waiting to see you .

    I go out for lunch around pay day with a colleague and we take it in turns to buy lunch. It's my turn tomorrow and it is only once a month but it soon adds up and I doubt if I will have more than 1 NSD day this week.

    As well as watching the pennies I'm trying to be more organised as I have a memory like a sieve. I've started using my notes pad on my phone because I have various things pop into my head throughout the day & now I'm managing to get them done.

    Sister did my hair tonight and now I'm fairly certain that the colour isn't right but it usually takes a few days for the colour to calm down so maybe I just have to avoid mirrors and wait a few days before it looks a bit more natural. You couldn't miss me at the moment .

    Plans tomorrow-
    • surveys
    • check banking (salary should be in)
    • lunch out
    • Running club meeting & minutes
    • Volunteer meeting & minutes
    • dionysia
    • By dionysia 27th Jun 17, 9:38 PM
    • 63 Posts
    • 131 Thanks
    dionysia
    I'm sure your hair is lovely! wrt the toddler and the friend, I think these habits are some of the hardest things to deal with when trying to save money. It's not very nice thinking about having to say to my nephews 'sorry no toys today' or to my friend I usually go out for a big Sunday dinner with that I can't. I'm trying to be a bit more frugal with things like that rather than cut them all together - maybe you could find a voucher for a restaurant to take your friend to?
    June 2017: owe £16,818.
    • Munchin
    • By Munchin 29th Jun 17, 11:48 AM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    Hi

    Thanks Dionysia - It is a difficult one because I feel that I have a good job & it is expected so it will be a work in progress. Sister borrowed £50 of me recently and I know she used to struggle in the past and I got into a habit of forgetting about anything I gave to her but now I'm not being as door mattish ....generous.

    Spends - very little frittering which I'm quite pleased about. I have such a mad busy day before I fly to England and I shouldn't really be on the diary but I needed a cup of tea and a list of jobs to keep me focused.

    To Do
    • gym
    • hairdressers
    • 3 sets of minutes (happy to get 2 done & away & 3rd one drafted
    • head to family members graduation ceremony this pm
    • pack
    • clean out car.

    I have the gym, hairdressers & 2 sets of minutes done. I better go get showered and iron a frock for the graduation at 2pm. After that I could squeeze in the 2nd set of minutes & packing. I have to be at airport at 8pm.

    The minutes, cleaning out car might have to wait until I come back from England but really hope to get minutes drafted.
    • Munchin
    • By Munchin 29th Jun 17, 7:03 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    Evening

    Another busy but really fun day. I had such a good laugh at the graduation and was given a small bouquet of flowers.

    I have nearly everything done on my To Do list but not all ...will have to get on with it. I have the last set of minutes badly drafted but at least a starting point for when I return on Tuesday. I didn't get near the car but it can wait. So plans for when I return from England is to cut hedge (subject to weather) & clean out car.

    In between I'm going to see my sis and have a lovely time


    To Do
    • gym
    • hairdressers
    • 3 sets of minutes (happy to get 2 done & away & 3rd one drafted
    • head to family members graduation ceremony this pm
    • pack
    • clean out car.
    Originally posted by Munchin
    PAYDBX 2017 - #12Pd £3915/£12,000 67% paid (Car - £2615 & CC £1300) . Slowly but surely. Debt Free Date - March 2018

    EF #13:£100/£20,000(.5%) PAD started 09 Oct 2017 Total PAD £19.03


    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 29th Jun 17, 7:05 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    June spends

    Sun 25th - NSD
    Mon 26th - £17.16 (Hair dye, Halfords & Tesco)
    Tues 27th - £7.98 Disney store & £20 refund
    Wed 28th - £1.80 (bananas & choc)
    Thurs 29th - £57 (diesel, gym & Hairdressers)
    Fri 30th - (England)
    • Munchin
    • By Munchin 4th Jul 17, 12:41 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    Morning all

    I'm back from a windy/wet/sunny/not sure what it wanted to do weather wise - England . I had a great time with family and got to hold new nephew lots .

    We ate out, we went for long walks, we hit the shops but didn't spend too much and then we had nice nights in with scrabble and wine ....gone are the party days .

    I hired a car which I drove about 100 miles in total because when I returned it the girl thought that I had only hired it in the morning rather than 4 days ago. Anyhow I had a bit of a scare because when she was assessing the car for damage there was a nick in the tyre which I didn't do. The damage to the alloy was recorded before I left but what I didn't notice and neither did the hire place was that the damage to the alloy went into the tire. The girl said that it wasn't fit to drive and agreed that the tyre cut was connected to the alloy damage. She couldn't confirm yesterday if I would be charged for a new tyre and alloy as the tyre damage wasn't recorded previously. I explained that it was obvious both were connected and they allowed me to drive out in a car not fit for purpose. I got an email with an invoice this morning but no additional charges ...phew. I had taken out excess car insurance as per Martin's tips and I had recorded the damage to the car with my phone but the cut in the tyre wasn't picked up at all. Will be super super careful in future.

    Money front - so July salary hit the bank account and swiftly shot back out again to various bills and savings. I had some money sitting in a buffer fund which I was trying to build up but I've changed my mind as I need to concentrate on savings and debts so I put £100 extra to the credit card this morning. I use an app called "My mountain of debt" which has an ant worker who chips away at your debt mountain when you update your totals - it is just nice seeing the money chipping away. It was nice to have the ant knock a few extra blocks from my debt this morning (little amuses the innocent ). I also use the 'Receipt Hog" app to snap any receipts myself and OH have and have finally reached £3 payout for my recepts but I will keep snapping and build it up.

    I have 2 Asda Xmas gift cards which I top up when I remember . I was in Asda today doing my grocery shop and topped up both cards. I give 1 to my Mum at Xmas and the other I use in January when things are a bit tight. I now have £75 on one and £50 on the other and I need to save £144 on both to get the £6 top up.

    Money

    Purse - £112.13
    Entertainment - £30
    Groceries - £58.21

    Plans today

    I have list of things to get done today as I'm back to work tomorrow -
    • Wash holiday clothes, iron and put away
    • Wash dog
    • make natural protein bars for lunch
    • prepare work clothes & lunch for tmw.
    • Sort out July budgets.
    PAYDBX 2017 - #12Pd £3915/£12,000 67% paid (Car - £2615 & CC £1300) . Slowly but surely. Debt Free Date - March 2018

    EF #13:£100/£20,000(.5%) PAD started 09 Oct 2017 Total PAD £19.03


    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 4th Jul 17, 12:47 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    July spends

    Sun 02nd - (Holiday budget)
    Mon 03rd - £41.79 Asda
    Tues 04th - NSD (3)
    Wed 05th - NSD (4)
    Thurs 06th -NSD (5)
    Fri 07th -£6.70 (Chinese)
    Sat 08th -£25.04 (Tesco) & £22.40 (Pets at home)

    Total = £95.93
    Last edited by Munchin; 08-07-2017 at 3:40 PM.
    • Munchin
    • By Munchin 4th Jul 17, 4:19 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    Hi

    I have most things done on my list but just need to sort out lunch and clothes for tomorrow. I have to take nephew to a party at 5 and after that I have the night to myself .


    Plans today

    I have list of things to get done today as I'm back to work tomorrow -
    • Wash holiday clothes, iron and put away
    • Wash dog
    • make natural protein bars for lunch
    • prepare work clothes & lunch for tmw.
    • Sort out July budgets.
    Originally posted by Munchin
    I spent an hour this afternoon on Swagbucks. I tend to get fed up with surveys as I never get to finish them before they say I'm not suitable but I finally checked Swagbucks today after a long time and because there is a double swagbucks promotion on I was able to request a £5 Amazon voucher....this is the first time in years I've ever claimed anything.

    Surveys & Voucher

    Swagbucks - 350 SB
    Topcashback -£1.93 Payable, £27.78 Confirmed & £9.88 Pending
    Amazon - £5 Swagbucks & £3.93
    Next - £20
    • Munchin
    • By Munchin 5th Jul 17, 6:11 AM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    Morning

    I was going to get the super early train so that I could catch up on emails before my colleagues arrived but unfortunately my bed was too comfy. I will get the next train which will still get me into Belfast before most of my colleagues.

    I had a look at Swagbucks this morning but some of the polls haven't changed from yesterday so I think that will now be an evening job.

    I've joined the 'NST Joyful July' thread and am going to aim for -

    NSDs - 3/16
    Bring lunch to work - 1/16

    Plans today -
    • Finalise running minutes
    • Check bank accounts
    • Swagbucks
    • Free postcode lottery
    • Run.
    • Munchin
    • By Munchin 7th Jul 17, 6:28 AM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    Morning

    Yeah today is Friday & I have a meeting with big boss at 3pm .... need a trembling knees emoji . Only in work 3 days next week because of 12th holidays.

    NSDs going well & hopefully OH will get wine for tonight & I can claim another NSD. I'm going to do my best to try & keep shopping to weekends.

    Went to gym last night & feel a bit achy this morning .

    Plans today - work... come home & fall into the weekend 🥂
    PAYDBX 2017 - #12Pd £3915/£12,000 67% paid (Car - £2615 & CC £1300) . Slowly but surely. Debt Free Date - March 2018

    EF #13:£100/£20,000(.5%) PAD started 09 Oct 2017 Total PAD £19.03


    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 8th Jul 17, 4:01 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    Hi

    I survived my meeting yesterday but I have quite a bit of work to get done in the next few weeks. I think this week I feel more settled in my new job which I started at the end of Feb and feel that I will enjoy it .

    Today has been quite busy but I can almost relax now. I went to Tesco and got exactly what was on my list and then went to get dog food and paid for an extra bag as it was on offer. I went for a 3 mile run in my local forest (really doesn't deserve that title as it isn't huge) as it is a glorious day and tomorrow is supposed to be a damp squid. I dug out summer clothes out of my storage box, ironed them and put them away in the hope that summer is actually here. I attempted to hoover the hall but the hoover died on me...hopefully OH will be able to resurrect it. I also gave the bathroom a lick and a promise .

    I found another new app that might help with moneysaving offers. It's called 'Shopmium' and it gives offers on certain groceries and some are 100% discount. You buy the product and then scan the receipt and they refund the money into your paypal account. Its only moneysaving if you need the product, for example I got a 110g Dairymilk today for a £1 in my normal grocery shop and I'm getting that money back. Yes I needed it

    OH is talking about using up the last of his birthday vouchers to go out for dinner tomorrow. After that it is back into work for 2 days

    Money

    Purse - £30.95
    Entertainment - £31.30
    Groceries - £43.67
    Last edited by Munchin; 08-07-2017 at 4:08 PM.
    PAYDBX 2017 - #12Pd £3915/£12,000 67% paid (Car - £2615 & CC £1300) . Slowly but surely. Debt Free Date - March 2018

    EF #13:£100/£20,000(.5%) PAD started 09 Oct 2017 Total PAD £19.03


    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 8th Jul 17, 4:04 PM
    • 2,101 Posts
    • 6,119 Thanks
    Munchin
    July spends

    Sun 09th - NSD (6)
    Mon 10th - NSD (7)
    Tues 11th -£13.15 (pressie & choc)
    Wed 12th - £7.88 (choccys for nephew & wine)
    Thurs 13th -
    Fri 14th -
    Sat 15th -

    Total = £21.03
    Last edited by Munchin; 12-07-2017 at 6:10 PM.
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