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  • FIRST POST
    • Munchin
    • By Munchin 25th Jun 17, 1:09 PM
    • 2,102Posts
    • 6,119Thanks
    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 2
    • Munchin
    • By Munchin 8th Jul 17, 5:00 PM
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    • 6,119 Thanks
    Munchin
    Doing a plans tmw so that I can have a break over the public holidays -
    • Clean out bathroom
    • Hoover & mop hall
    • Wash out fridge
    • Tidy & mop kitchen
    • Hoover living room.

    I would like to cut the hedge at my Mums during the week but that depends on the weather. Once I have all above done I can relax, do some swagbucks & go out for dinner
    • Munchin
    • By Munchin 9th Jul 17, 2:51 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi

    I have all my tidying for today done. I started at 11.30 this morning thinking it would be done in no time but that is me just finished. I'm going to sit down with a cup of tea & read a book for a bit.

    I have everything ready for work tomorrow and hopefully it will be an easy day. I'm going to spend a wee bit of time on Swagbucks and then do nothing.

    • Clean out bathroom - 75% done - OH says he will finish tmw.
    • Hoover & mop hall - OH fixed hoover
    • Wash out fridge - I think there were cures or medical marvels in that fridge..gross ..
    • Tidy & mop kitchen
    • Hoover living room.
    Originally posted by Munchin
    • Munchin
    • By Munchin 11th Jul 17, 6:58 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    I decided to get a slightly later train this morning as it is the last day before our public holidays and I'm probably one of a few in work today so there is no point in rushing.

    I was walking into work yesterday from the train station and construction work is being done at a building near us and they have put up a temporary wooden structure to let people enter the building in safety. There were 3 homeless people sleeping in sleeping bags under the structure as it was dry. A few years ago you wouldn't have seen homelessness so openly in Belfast. I'm going to make regular donations to the Trussel trust. I did donate in the past but not regularly. Yes I have debt but it is manageable and I have a roof over my head and am quite comfortable. I want to clear my debt and build up an emergency fund because you never know what is ahead of you.

    Debt -I decided to move £400 out of my emergency fund to my car loan to bring it down into the next category . I do want to build up my emergency fund but I want my debt gone even more. I can't wait until I get to say I'm in the £2k category then 1 then none.

    Money

    Purse - £22.52
    Entertainment -£31.30
    Groceries - £35.24

    Surveys & Voucher

    Swagbucks - 362 SB
    Topcashback -£1.93 Payable, £27.78 Confirmed & £9.88 Pending
    Amazon - £5 Swagbucks & £3.93
    Next - £20
    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.
    • Chandelier.
    • By Chandelier. 11th Jul 17, 9:18 AM
    • 522 Posts
    • 1,381 Thanks
    Chandelier.
    All sounds good Munchin. I know what you mean in regards to making a payment to get into the next bracket. I do this often .

    It's great that you'll donate to the Trussell trust- am I right in thinking that's the food bank?

    We donate to our local soup kitchen which has done a lot for people over the past two years. Both adults and children use the soup kitchen for all meals and it's run totally voluntarily. Hats off to them guys.
    Check out my Diary
    • Hiddenidenity
    • By Hiddenidenity 11th Jul 17, 10:19 AM
    • 5,318 Posts
    • 26,093 Thanks
    Hiddenidenity
    All looking good Have a lovely day x
    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 11th Jul 17, 5:43 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi Chandelier & Hidden,

    Thanks for your comments . Yes the Trussell trust is the UK foodbank network (400 foodbanks) but there isn't a local one near me so I have sent them a payment today and said that I want to donate monthly so they should be in touch soon. It is hard to believe that foodbanks are now a necessity in this day and age. All credit to those who volunteer in the homeless shelters and foodbanks.

    Money - I had a few wee spends today as I had a 50th birthday pressie to get for a friend ....and a bar of chocolate fell into my bag for myself . £12.15 pressie & £1 me. Thankfully that is the end of pressies for July.

    I had a look at Free postcode lottery & swagbucks but it is so slow. I'm going to have a nosy at the Competition board to see if I have any luck.

    We got let out of work a wee bit early so feet up early.

    Plans tmw -
    • dig out weeds
    • cut hedge
    Last edited by Munchin; 12-07-2017 at 6:11 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.
    • Hiddenidenity
    • By Hiddenidenity 11th Jul 17, 6:07 PM
    • 5,318 Posts
    • 26,093 Thanks
    Hiddenidenity
    Do you do Prolific? by far the best survey site. Look at the up your income board for the alerts thread/referral post
    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 11th Jul 17, 6:33 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Thanks Hidden - I will go have a look at it now
    • Munchin
    • By Munchin 11th Jul 17, 8:17 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money

    Purse - £54.49 (lifted £50 from bank)
    Entertainment -£31.30
    Groceries - £33.06

    Surveys & Voucher

    Swagbucks - 516 SB (800SB = £5 paypal)
    Receipt Hog - 1358 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£1.93 Payable, £27.78 Confirmed & £9.88 Pending
    Prolific - £0
    Ipsos - £0
    Amazon - £8.93
    Next - £20
    Last edited by Munchin; 12-07-2017 at 6:24 PM.
    • Munchin
    • By Munchin 12th Jul 17, 6:22 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi all,

    I was semi productive today - I tackled the massive hedge round my Mum's and weeded round my own place. I'm a bit pink as it was such a gorgeous day.

    I picked up nephew from his summer scheme & we HAD to stop for chocs & ice cream . I blame the child..... We then played tennis in the afternoon....until my dog took the ball and wouldn't come out from under the car but by that stage the child was thrashing me and I was sweaty & tired.

    I had a Swagbucks success with a 75SB survey...I usually get timed out early for most surveys but I'm on a role at the minute.

    Dinner is in the oven ....& I have a glass of wine. Perfect end to the day.....but I might dip back into the Swagbucks for a bit
    • Munchin
    • By Munchin 13th Jul 17, 10:04 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    I just wrote a long post and lost it....

    I'm waiting for OH to drag himself out of bed because we're going for a wee day out & a picnic. Yesterday was gorgeous and sunny but today looks cloudy and rain is expected but I will just take clothes for every season.

    Shopping - confession time - I had a slot in the Next sale and have ordered about £80 worth of clothes but I'm not counting it as spends because if I stick true to form I will return 90% - 100% of the clothes because of at least 1 of the following reasons - hideous/don't fit/what was I thinking of/conscience....

    I'm just watched 'Right on the Money' and thankfully the money tips they are mentioning are things I've already embraced apart from the odd blip here and there.

    I don't have many plans today. I had a few turns on Swagbucks but the surveys either threw me out or they are really slow and I don't have the patience. I'm on to 'Homes Under the Hammer', if OH doesn't appear soon I'm going to turn the hoover on and clean close to the bedroom door
    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 13th Jul 17, 10:36 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 13 July 2017

    Purse - £54.49 (lifted £50 from bank)
    Entertainment -£31.30
    Groceries - £33.06

    Surveys & Voucher

    Swagbucks - 520 SB (999SB = £5 paypal)
    Receipt Hog - 1358 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£1.93 Payable, £27.78 Confirmed & £9.88 Pending
    Prolific - £1.58
    Ipsos - £0
    Amazon - £8.93
    Next - £20

    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; 13-07-2017 at 5:45 PM.
    • Munchin
    • By Munchin 15th Jul 17, 6:11 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Evening

    I sat up last night reading a book on my kindle as OH was away to bed super early (he is working today). I kind of regret it now as I'm a bit knackered....I like my sleep a lot .

    Today wasn't overly exciting... I tidied the house, made lasagne for tea tonight & met a cousin for a chat over a coffee.

    Money front - Today was just the usual diesel and grocery shopping. I've gone over my grocery budget already and I have 2 weeks of the month left. I do have underspending in some other YNAB categories so will bump some money around to cover it but will try to reduce grocery spends. £30 diesel & £31.80 groceries.

    I managed some Swagbucks surveys but nothing on Prolific but I assume that is because it is the weekend.

    Plans this evening ...wine, good company & putting the world to rights .
    Last edited by Munchin; 15-07-2017 at 6:27 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 15th Jul 17, 6:25 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 15 July 2017

    Purse - £7.35
    Entertainment -£15
    Groceries - £-25.14

    Surveys & Voucher

    Swagbucks - 757 SB (999SB = £5 paypal)
    Receipt Hog - 1383 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£1.93 Payable, £27.78 Confirmed & £9.88 Pending
    Prolific - £1.58
    Ipsos - £0
    Next - £20

    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 - NSD (8)
    Fri 14th -NSD (9)
    Sat 15th - £31.80 groceries + £30 diesel

    Total = £82.83
    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 16th Jul 17, 3:46 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 16 July 2017

    Purse - £51.86 (£50 transferred from bank for week ahead)
    Entertainment -£15
    Groceries - £-30.63

    Surveys & Voucher

    Swagbucks - 809 SB (999SB = £5 paypal)
    Receipt Hog - 1383 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£1.93 Payable, £27.78 Confirmed & £9.88 Pending
    Prolific - £1.58
    Ipsos - £0
    Next - £20

    July spends

    Sun 16th - £5.49 (Spar)
    Mon 17th -
    Tues 18th -
    Wed 19th -
    Thurs 20th -
    Fri 21st -
    Sat 22nd

    Total = £
    • Munchin
    • By Munchin 19th Jul 17, 9:34 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi

    I've been a busy bee so haven't had a chance to update. Today was hump day so happily sliding back down the end of a week into the weekend.

    Money front - the Next order I placed hasn't arrived yet but I've already decided it's going back. I had an NSD on Monday but I had to spend £6 on parking yesterday & then I took my colleague out for lunch today for her birthday so that was £22.

    I have just completed a £4 Prolific survey so hopefully that will track. It is really hard to do when you have a mini Yorkshire terrier determined to get all your attention, at one point he laid across the keyboards and nearly ruined my survey.
    • Munchin
    • By Munchin 19th Jul 17, 9:39 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 19 July 2017

    Purse - £23.86 (£50 transferred from bank for week ahead)
    Entertainment -£15
    Groceries - £-30.63

    Surveys & Voucher

    Swagbucks - 873 SB (999SB = £5 paypal)
    Receipt Hog - 1383 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£3.71 Payable, £26 Confirmed & £9.88 Pending
    Prolific - £1.58 (possible £4)
    Ipsos - £0
    Next - £20

    July spends

    Sun 16th - £5.49 (Spar)
    Mon 17th - NSD (10)
    Tues 18th -£6 parking
    Wed 19th - £22 lunch
    Thurs 20th -
    Fri 21st -
    Sat 22nd

    Total = £33.49
    • Munchin
    • By Munchin 22nd Jul 17, 2:48 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning,

    Today has been good and I have a bit of energy about me . Started off with a 3 mile run/walk in my local forest with my dog and met some lovely people on the way.

    I cleaned out my car which I have been ignoring for weeks and then nephew number 2 (who is with me today) negotiated £5 out of me if he cleaned the house. I must admit it isn't a bad job ....but I will probably go over it again tomorrow when he is away home. I have an ironing pile I'm psyching myself up to tackle.

    Money front - I've been reading some new frugal blogs and am going to try out a new envelope system. Basically on an envelope you divide your budget into Groceries (which covers everything you would buy in a supermarket from food to smellies etc) and the Other category is for everything else (including liquid gold/diesel). The 1 envelope is divided into 2 columns and 4/5 rows depending on weeks per month. It's not the same as the envelope system which has lots of envelopes for each category. I'm hoping that it will limit my budget so that I can't borrow from different categories.

    Holiday front - I have found a holiday for OH & I in Greece for a week in Sept for £400. I know that if we flew from England it would be so much cheaper but unfortunately we have to pay extra for the privilege of living in N Ireland. A colleague has been to the same hotel and she says that it isn't fancy but lovely and clean and handy to beach and restaurants but not in the middle of it all. Hopefully I will corner OH tonight and get it booked tonight using Topcashback.
    Last edited by Munchin; 22-07-2017 at 4:23 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 22nd Jul 17, 2:54 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 22 July 2017

    Groceries - £1.89/£40
    Other - £5/£60

    Surveys & Voucher

    Swagbucks - 877 SB (999SB = £5 paypal)
    Receipt Hog - 1383 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£3.71 Payable, £26 Confirmed & £9.88 Pending
    Prolific - £6.29
    Ipsos - £0
    Next - £20

    July spends

    Sun 16th - £5.49 (Spar)
    Mon 17th - NSD (10)
    Tues 18th -£6 parking
    Wed 19th - £22 lunch
    Thurs 20th -NSD (11)
    Fri 21st - NSD (12)
    Sat 22nd - £1.89 groceries & £5 nephew

    Total = £49.32
    Last edited by Munchin; 22-07-2017 at 4:20 PM.
    • Munchin
    • By Munchin 23rd Jul 17, 10:39 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    I started my morning with a spiced carrot muffin from lovely M&S and 2 coffees . OH is snoring happily away but we booked a holiday last night in Zante and I've been up relaxing and looking at holiday pictures and Trip advisor reviews ....again. In approximately 6 & 1/2 weeks we will be jetting away to the sunshine.

    I booked our holiday with Jet2 for a week and I used Topcashback which if it all tracks properly I will get £26.26 back (sitting as Pending now) . I know we spent £900 on the holiday (b&b) but I'm still happy to get the cashback. I also used Moneysupermarket to get the cheapest travel insurance (£13.75) and the cheapest airport carparking was £43.48. Baggage was part of the deal and I ignored the in flight meals because we fly at a reasonable time and we can have breakfast before we go and take snacks with us. I'm pretty sure I don't need anything for the holiday clothes wise but I will go bring out the box from under the bed and see what there is.

    Today's plans - not much . House is clean, ironing done & holiday booked. I will have to prepare for work tomorrow but I can leave that to much later.

    Money front - holiday paid out of money savings pot , which I will continue to top up. When I checked Topcashback to see that the holiday had tracked I noticed that my car insurance has finally moved to payable (£26 - GoCompare) but I will leave it sitting in there until the holiday one tracks.

    Health wise - I know that I wanted to use this diary to move away from my ED issues I had mentioned in my old diary but I have scheduled an appointment with a new therapist (old one has moved miles away but I'm sure that has nothing to do with me ). I think it's just a preventative thing as I had been stressed with new job but feeling great and doing well. Unfortunately it is £50 a session and the NHS waiting list is years long so have to pay it myself.

    Exercies- I was a Secretary of a running club which I stood down from a year and a half ago as I had moved work locations so not practicable for me. I'm back on as Secretary and I've got my running mojo back. I was seeing a personal trainer at a gym and I loved doing weights but he kept cancelling on me which was fine at the start but got really annoying recently and it was really expensive . I've decided to cut him loose and save money by going running and possibly joining Pure gym near me in work which is £14.99 a month (much more reasonable). I will not join anything until I see the therapist on the 02nd August, in case she has some new ideas of what I should be doing.

    I think I better move on to tea now as I've hit my coffee limit
    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.
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