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    • Munchin
    • By Munchin 26th Nov 11, 9:07 AM
    • 1,840Posts
    • 5,329Thanks
    Muchin's diary of recover; becoming debt free and being happy
    • #1
    • 26th Nov 11, 9:07 AM
    Muchin's diary of recover; becoming debt free and being happy 26th Nov 11 at 9:07 AM
    Hi everyone

    I'm not new to MSE and have had a debt free diary before but it's time to start afresh and hide behind a new user name

    My last diary helped me clear my debts which were about £10,000. However as you can see my debts have creeped back up but are manageable.

    Firstly, I will tell you a bit about myself. I still live at home with my Mum (I'm 37!!) and have a lovely BF of 4 1/2 years. I split my time between home and his house and if a sparkler doesn't appear next year there will be words.

    I'm in recover from bulimia. You have no idea how wonderful it is to say that I'm finally in recovery after 11 long horrible years of this illness. I never mentioned this on my last diary and I've never told family or friends. However I have been seeing a lovely councillor and it was actually a website that gave me the encouragement to start and stick with recovery. It's early days but I feel that this community is so supportive that it's important to be as honest as I can in this new diary.

    Now where did the debts come from. In my last diary I was paying off - double glazing; the world's crappiest car and all it's repairs and a credit card bill that had decided to shoot for the sky at over £5000. i plugged away and cleared them all earlier this year. However, the bottom less pit of a car needed more repairs and it just wasn't worth putting anymore money into it. I got a second hand car and took out a loan at £6000 + interest = £6600 and am paying that off over 2 years at £275 a month (I have £4400 still to pay). The repayments are ok but I want the debt gone quickly.

    I've also got £1,093.55 on my tesco credit card and have set up a dd for £100 a month. If I can add to that I will.

    Finally my next store card is sitting at £114.75. As part of my recovery I've gone up a dress size and rather than torturing myself squeezing into too small clothes I bought some new ones.

    I also have a cash back card which I use monthly for diesel and groceries. I need to reign this card in as I've started adding things onto it that I don't need.

    So total in debts I have £5608.30

    I've cleared it before and I'll do it again. I'm going to join a couple of challenges and the next thing I need to do is a an SOA

    Last edited by Munchin; 26-11-2011 at 1:13 PM.
    Debt (Car) -£ 9,000/£x,xxx (x% paid)

    EF #13:£1700/£6,000 (28%), £2 Savers (#18)-£68; Holiday -£100. Xmas savings - £321.
    Total savings = £2189

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    • Munchin
    • By Munchin 17th Oct 16, 7:43 AM
    • 1,840 Posts
    • 5,329 Thanks
    Morning all

    I'm a bit slower getting myself sorted this morning but its Monday so it is understandable. I've been rushing into work every morning and staying late because of everything I have to do but I think I'm going to take it a wee bit easier in the mornings from now on - will see how long that lasts .

    My weekend was really quiet with only some grocery shopping and tidying around the house. The next few weekends are going to be busy so I appreciated my quiet weekends. Today is work followed by volunteering so I better get my self sorted.

    Have fun today.
    • Munchin
    • By Munchin 22nd Oct 16, 4:17 PM
    • 1,840 Posts
    • 5,329 Thanks
    Hi all

    So I'm back in debt but it's debt that I know where the money went to....on a new to me car . I've borrowed the money of OH so it's interest free and although he's not going to stress about when I pay the money back I don't want to be in debt to him for long. Starting from Nov I'm going to aim to pay him back £350 per month and anything extra I will chuck into savings. Obviously I want it cleared tomorrow but I will slog away at it.

    Today was a pampering day at yoga & the beauticians but to balance that out I cleaned the house and did the ironing. I'm meeting a friend tomorrow for lunch and then I need to see a friend to give her money towards a hen night in a few weeks.

    I've just made a cup of tea and am waiting for OH to get home to see what our plans will be this evening....problem tv
    Last edited by Munchin; 22-10-2016 at 7:17 PM.
    Debt (Car) -£ 9,000/£x,xxx (x% paid)

    EF #13:£1700/£6,000 (28%), £2 Savers (#18)-£68; Holiday -£100. Xmas savings - £321.
    Total savings = £2189

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