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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 3
    • Munchin
    • By Munchin 23rd Jul 17, 10:54 AM
    • 2,102 Posts
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    Munchin
    Update

    Money - 27 July 2017

    Groceries - £40/£5.43
    Other - £100/£51

    Surveys & Voucher

    Swagbucks - 285 SB (999SB = £5 paypal)
    Receipt Hog - 1462 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£29.71 Payable, £4.81 Confirmed & £32 Pending
    Prolific - £12.49
    Ipsos - £0
    Next - £20

    July spends

    Sun 23rd - NSD (13)
    Mon 24th - NSD (14)
    Tues 25th - £7.60 groceries
    Wed 26th - £61.17 (lunch out, spends on nephews & diesel.)
    Thurs 27th - £20 Xmas dinner deposit
    Fri 28th -
    Sat 29th

    Total = £88.77
    Last edited by Munchin; 27-07-2017 at 8:11 PM.
    • Munchin
    • By Munchin 27th Jul 17, 8:30 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi

    Today I paid £20 deposit for my work Xmas dinner ..... is it too early. We're booked into a really gorgeous hotel and one of my colleagues is taking money from now to Xmas so we can pay for dinner & have money towards drinks.

    I met some ex colleagues for lunch yesterday & it was great to catch up. I'm going out for lunch with new colleagues tomorrow, so I guess I'm now part of my new team. Thank goodness it is payday but I must have a hole in my purse the way my money disappears.

    Money front - I have over £10 earned in Prolific and I just cashed out £5 paypal from Swagbucks. I returned all my Next order & trying to do my best not to fritter this month.
    • Munchin
    • By Munchin 29th Jul 17, 7:06 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 29 July 2017

    Groceries - £40/£22.99 spent
    Other - £110

    Surveys & Voucher

    Swagbucks - 292SB (999SB = £5 paypal)
    Receipt Hog - 1462 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£29.71 Payable, £4.81 Confirmed & £32 Pending
    Prolific - £13.94
    Ipsos - £0
    Next - £20

    July spends

    Sat 29th - £22.99 groceries
    Sun 30th - NSD
    Mon 31st -
    Tues 01st -
    Wed 02nd -
    Thurs 03rd -
    Fri 04th -

    Total = £xx
    Last edited by Munchin; 31-07-2017 at 7:37 AM.
    • Munchin
    • By Munchin 29th Jul 17, 7:55 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    I love being up early on a Sat morning as I get to enjoy coffee and peace before the madness of the day begins.

    Today is going to be spendy & busy. I've been neglecting some of my volunteer stuff so first things first I'm going to spend an hour with them to catch up.

    I was hoping to go for a run but my IBS flared up yesterday big style so my run is going to be a nice walk with my pup if the rain stays away for 5 mins.

    I have a house to tidy & only an ironing molehill to tackle. My car is getting serviced today ££££££$$$$. I'm taking it to a garage to service because I need the service history. OH serviced my last car but the car was so ancient the history didn't matter. I hate garages/car dealerships with a passion.

    This week I have 2 volunteer events and my first new therapist meeting. I'm a bit concerned because she slightly criticised my previous therapist methods in our phone conversation and when I said that I had seen previous therapist for 4 months she said 'that was quite short'. Will go & see if I gel with her and take it from there.

    Running - it looks like I will be helping take a couch to 5k programme C25k - I'm really pleased to be asked but I need to dust of those trainers more regularly.

    Money front - The funds in my PayPal account are starting to increase slightly from my surveys. I've added PayPal to my YNAB account so that it encourages me to build money in it. Swag bucks was a pain this morning as I kept being screened out of surveys. I am only a few hog coins away from £5 pay out. I have £70 odd travel expenses to claim & I got an email from work HR & I might be entitled to travel expenses which might be backdated to March. There are too many mights in that money to get too excited.....but fingers & toes crossed.

    My budget this week is £40 on groceries & £110 on everything else. I thought £110 was a bit much but once I take diesel (£30) & therapist (£50) it really leaves £30 for everything else.
    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 Jul 17, 11:32 AM
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    Munchin
    Sitting in dealership.. they have a coffee bar .... sitting here with tea & a cookie. Car doesn't need oil or filter change for another 3000 miles .... yeah but brakes pads are missing in action .... oops . OH says I'm heavy on the brakes but not going to let him know

    Taking my 'free' tea to get my money's worth
    • Hiddenidenity
    • By Hiddenidenity 29th Jul 17, 11:43 AM
    • 5,328 Posts
    • 26,179 Thanks
    Hiddenidenity
    Hope the car doesn't work out to costly.

    Enjoy the tea
    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 29th Jul 17, 4:18 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Thanks Hidden

    £168 for new brake pads and check up. I think that was ok as I expected to pay more & they washed my car & gave me tea.

    No walk today as the weather has been atrocious, the rain is currently beating down. I did go to volunteer office, £1 shop & Lidl. £22.99 on groceries.

    OH is working so I'm here at my Mums putting the world to rights over tea .
    • missmental123
    • By missmental123 29th Jul 17, 9:48 PM
    • 50 Posts
    • 145 Thanks
    missmental123
    Hi Munchin!

    I've subscibed to your diary! I noticed you are using YNAB, I'm really struggling to use it! I guess that I need to take a fee lesson to get started? How do you find it?
    • Munchin
    • By Munchin 30th Jul 17, 12:02 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi Miss mental , I love it but it did take me a wee while to get my head round it & a few times I 'started over' when I got myself totally confuddled.

    I started off with loads of categories but over time I have simplified it a lot where I have less categories but it is really up to each person how they work it. I am awful for moving money from categories which I know is ok but I just don't like it. There is loads of advice on the ynab website, you tube & facebook but if you have any questions please ask. I'm no expert but I've probably made just about every mistake going , so I'm an expert on fixing my mistakes
    Last edited by Munchin; 30-07-2017 at 1:17 PM.
    • Munchin
    • By Munchin 31st Jul 17, 7:37 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    Sitting on the train using their wifi to update as our wifi was frazzled y'day. We had a massive thunder storm y'day & OH popped out during it. I'm not frightened of storms but happy to stay inside. A massive crack of thunder went off above house & everything went of. Scared the heart out of me. I have never heard anything like it in my life. I went to switchboard & nothing would turn on. OH came back & changed some fuses but the broadband couldn't cope with power surge & died.

    I guess I will not be as blase about storms in the future. I miss my broadband.

    No other news. Y'day was an NSD & formula 1 was a boring race.

    Plans today -
    • Harass OH to get broadband working
    • Ring vets for pups check up & vaccination
    • book tour of parliament buildings for mum & nephew
    • volunteer shift tonight
    • work
    • Munchin
    • By Munchin 2nd Aug 17, 8:45 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 02 August 2017

    Groceries - £40/£28.78 spent
    Other - £110

    Surveys & Voucher

    Swagbucks - 310SB (999SB = £5 paypal)
    Receipt Hog - 1497 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)

    Topcashback -£0 Payable, £4.81 Confirmed & £32 Pending
    Prolific - £15.43
    Ipsos - £0
    Next - £20

    July spends

    Sat 29th - £22.99 groceries
    Sun 30th - NSD
    Mon 31st - NSD
    Tues 01st -NSD
    Wed 02nd - £5.79 Tesco
    Thurs 03rd -
    Fri 04th -

    Total = £28.78
    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 3rd Aug 17, 8:13 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi

    I'm in bed with hot water bottle as my stomach is flaring up again. I'm hoping it will settle soon and things will return to normal. I'm taking my Mum out for lunch tomorrow so hopefully I will be feeling better soon.

    I saw my new counsellor soon and she explained that she had an ED in the past as well and hopefully I will click with her.

    I've a super busy day ahead -
    • run
    • volunteer
    • visit old work
    • iron
    • lunch out
    • return items I shouldn't have ordered in the first place.


    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 Aug 17, 6:55 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    I'm on leave today . It looks like I will not be running today as stomach still tender but I will not rule it out totally. I go through spells like this ... no IBS (or only minor flare ups) for ages & ages and then it goes nuts which started last week.

    Today is the end of my first week of new envelope method & I have about £60 still in 'others' & £1 in grocery. It has really reigned in my spending this week but I have diesel & lunch out to pay for today so there will only be coppers left this week. I have a work friend who I go for walks with at lunchtime & she is such a spendaholic (but has the money to back it up) & I find myself buying things when I'm with her ..which is why I'm taking stuff back to shops today .

    I took pup to vets yesterday 🐶 with my nephew. Vet remarked on how good natured & placid he was & nephew was so proud . Pup got his annual booster & a clean bill of health.

    The electoral office are recruiting at the moment for counters & polling clerks so I need to find my GCSE certificates this weekend.

    Weekend plans include -
    • Yoga (summer break over)
    • Hunting for certificates
    • General tidying& planning for week ahead
    • Writing 2 x sets of minutes
    • Meeting friends for coffee

    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 4th Aug 17, 3:46 PM
    • 5,328 Posts
    • 26,179 Thanks
    Hiddenidenity
    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 5th Aug 17, 6:00 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi

    What a very busy day I got everything done and I need to tidy the bombsite in front of me before OH gets home .

    I went back to yoga as the instructor takes a summer break and it was amazing but I am so stiff.

    I popped into Asda & almost stuck to my list. I spent over an hour ironing but I distracted myself by watching 'I am Bolt'. I tidied the house and have literally just finished typing up 2 sets of Minutes. To be fair I will have to go over them tomorrow but I always feel that they are almost done no matter what I have thrown at the paper.

    I also bought my niece a birthday pressie and it is in the post but I have no hope of it getting it to her by Monday - bad Aunty.

    I managed to apply for £5 pay out from Receipt Hog . It's taken a long time but I'm getting there.


    Weekend plans include -
    • Yoga - loved it but it cost £48 for 6 sessions
    • Hunting for certificates - still hunting - no clue where they are.
    • General tidying& planning for week ahead
    • Writing 2 x sets of minutes
    • Meeting friends for coffee

    Last edited by Munchin; 05-08-2017 at 6:48 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 12th Aug 17, 8:51 AM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    Fun packed day today-
    • Yoga @ 9.30
    • Asda
    • Run
    • Buy file & highlighter
    • Fill in job application
    • Iron
    • Tidy house
    • Pick up parcel
    • Read work stuff
    • Read stuff from therapist

    Therapist has asked me to buy a file & highlighter & put thought into file I want..hmmmmm

    So much carp came into work yesterday that I didn't understand so printed it & brought it home.

    Will update list & budgets later
    Last edited by Munchin; 13-08-2017 at 2:07 PM.
    • Munchin
    • By Munchin 13th Aug 17, 2:17 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Morning

    I was busy with budgets this morning and 1 more payment takes me into the £3k category...and then ...2 and then 1....and then none. My DFW target is June next year and I would really love to bring it forward but as I have to pay my therapist at the moment I can't see me being able to reduce it much further.

    So today I was at mass with my Mum and met my sister for a quick catch up. I have cleaned the kitchen and living room and worked on my budgets. OH is pootling about and tidying up his study.

    Week ahead is a wee bit spendy as pup is going in for a groom - there is a dog under all that fur . I have therapist to pay and other than that it should be ok. I've paid deposit for 2 Xmas dinners in work already ...yes I'm well aware it's only August. The incompetent outsourced HR people are still trying to work out if I am entitled to excess fares. I moved to my job in Feb & it's now August. Either they owe me a lot of money and it will go towards my credit card or they don't owe me anything and I'm no worse off but I really wish they would resolve the problem.

    Just over 3 weeks and I will be away on holiday
    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 Aug 17, 2:30 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Update

    Money - 13 August 2017

    Groceries - £40
    Other - £44

    Surveys & Voucher

    Swagbucks - 370SB (999SB = £5 paypal)
    Receipt Hog - 49 coins (1500 coins = £5)

    Topcashback -£0 Payable, Confirmed £4.89 & £6.79 Pending
    Prolific - £18.63
    Amazon - £20
    Next - £20

    August spends

    Sat 12th - £25 Beauticians
    Sun 13th - NSD
    Mon 14th -
    Tues 15th -
    Wed 16th
    Thurs 17th
    Fri 18th

    Total = £25
    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 13th Aug 17, 2:56 PM
    • 5,328 Posts
    • 26,179 Thanks
    Hiddenidenity
    All looking good 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 27th Aug 17, 2:38 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Afternoon

    Sipping tea & watching F1 - perfect Sunday.

    I've been a bit absent from my diary but I just can't believe how quickly time skips by.

    I'm now on 3 weeks leave & I have a list of chores I want to get done during my first week of leave -
    • Cut hedge
    • Strim lane
    • Weed out garden
    • Clear out shed
    • Clean windows
    • Clear out spare room for sister visiting
    • Clean house
    • Sort out holiday clothes

    Money front - incompetent HR finally agreed my excess fares and from Feb to next Aug I will get £4 per day & then from Nov 18 it will be £9.50 per day. I could argue that it should be £9.50 the entire time but it's taken 6 months to get this far, so will accept it.

    I'm due money in Jan from a fund I've paid £20 a month into for 10 years and I'm tempted to fire that at my debt & be debt free in Jan. I also want to put money in savings as it took me 10 years to get there... decisions, decisions...

    Frittering got out of hand again so have to rein it in.

    Spends this week - just the usual (groceries, diesel & therapist) and possibly lunch out with my Mum
    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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