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  • FIRST POST
    • hugglemonster
    • By hugglemonster 25th Jul 16, 8:32 PM
    • 232Posts
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    hugglemonster
    Hugglemonster's debt free diary
    • #1
    • 25th Jul 16, 8:32 PM
    Hugglemonster's debt free diary 25th Jul 16 at 8:32 PM
    Hi all welcome to my diary - edited due to similarities with a fellow user which looked a bit strange

    Anyway... I have a few bits of debt that I just need to get rid of and a house that is in need of repair, along with plans for the future involving lots of trips with hubby and the kids. The debt is manageable on a monthly basis but we have slipped recently with our spending so need to get back on top of it and get rid asap.

    I am good at various aspects of money saving i.e. using vouchers, cashback sites, doing surveys etc but have neglected the food menu and shopping list which is our biggest spends area. I'm not going to do an SOA as I already have one written and I know the areas that need addressing.

    Today has been good, I've researched home insurance and got a reduction of 2 per month and cashback of 30, printed off some vouchers and we have eaten at home from food we batch cooked at the weekend. Lots of washing done and mostly dried outside plus some on the airer.

    Not so good lurking in the background is that we are currently without a car (using hire car from insurance comp) as some dingbat drove into the back of me a few weeks ago and we are still waiting for payment so we can get a different one (ours was a write off), we know what we want and payments will be similar to what we have been paying for a bigger car that will be ideal for our needs. I know getting finance for car isn't good but we had such a rotten car before and I need a reliable one for work so that's our luxury.

    I have paid one small debt of 100 off today which is a little boost and have plans for the rest but equally we need to put some money into things around the house that need sorting, therefore I have two lists; Debt, and Savings

    Debt:
    Computer 646.52
    Overdraft 1 1100
    Overdraft 2 1500
    Credit card 2200
    Car - not even going there at the mo!

    Savings/to buy:
    Skip - to clear rubbish from 'The Great Big Declutterathon'
    Carpet for dd bedroom
    Curtains and curtain pole for dd bedroom plus new drill
    dd new school uniform as going to High School in September
    dd and ds school shoes
    ds birthday (August)
    bark chippings for back garden areas

    There is much, much more to save for and buy but this is my current list, so on the debt front I will be concentrating on the computer first as this is the smallest amount and then will snowball the monthly payments.

    Thanks for reading, wish me luck and hard work begins now.

    Hugglemonster x
    Last edited by hugglemonster; 11-08-2016 at 4:14 AM.
Page 10
    • hugglemonster
    • By hugglemonster 11th Mar 17, 3:07 PM
    • 232 Posts
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    hugglemonster
    Ah a day off today, I woke up at 0730 when ds did but then fell back to sleep and when I woke up dh was a bit mardy as he wanted to crack on with shopping and tidying up. I have to say I quite like him when he's in a bit of a mood because he is like a cleaning whirlwind and the house is looking lovely I'm just about to do some paperwork for club and then settle down and watch the Rugby. The other 3 in the house support Wales but I support England since I'm originally from Bedfordshire.

    We're all up to date financially up until payday on Wednesday, I can then work out outgoing when I get paid, I need to phone the electrician on Monday to do the next stage of ds room and also get him to look at the attic. Had another light incident today when dd was swinging around a broom in the kitchen and smashed the lightbulb!

    The last payment for dd bed goes out on 21st, yay! please remind me the I need to factor in charges on the 22nd for overdraft, ta x

    I'm on a Disability Inclusion course tomorrow and then another full week or work in both jobs and working next Saturday morning but off Sunday. DH loved helping me coach this week, he is doing his first part of coaching training next Saturday which I am teaching.

    I received some vouchers in the post, another 18 to add to present fund, plus I have sold a book on Amazon, no concerts found for my Mum so far that's the problem with living in a small coastal town the main concerts are at least 45 minutes away. I'll keep looking plenty of time.

    Still being patient, 2 weeks and 2 days until next payment to overdraft.

    Enjoy your Saturday everyone, H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • Bobarella
    • By Bobarella 11th Mar 17, 10:14 PM
    • 10,538 Posts
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    Bobarella
    Glad OH cracked on with the cleaning. You didn't need to be up after all
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • hugglemonster
    • By hugglemonster 13th Mar 17, 7:33 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Evening, I felt like I haven't had a day off in ages even though I had Saturday off, tired this evening so popping up to relax in bed soon.

    Disability course yesterday was fantastic, really enjoyed it and I have banked a cheque that will buy me the equipment to use in SEN schools and set up a competition structure.

    This morning I have been in and out of home between meetings and ds climbing. I sent off friend's present and the book that was sold. I checked the charges on each of the overdrafts and credit card, credit card one will be added on 15th so I have transferred 20 to ensure that it doesn't go over the limit and cost me another 12. I get paid on Wednesday but obviously I needed to make sure that funds were there.

    Had an email r.e. flights to Germany, luckily it was only a change of flight time an hour later than planned so nothing major, 11 weeks until we go!

    I meant to phone the electrician today but forgot so I will do this tomorrow.

    I have found a concert for my Mum, it's not classical but one that she and my Dad will enjoy as it's their anniversary on the same day as her birthday. It will cost 42 for both tickets so I need to do some more surveys so I will be able to transfer this back to the account.

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • Bobarella
    • By Bobarella 13th Mar 17, 11:00 PM
    • 10,538 Posts
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    Bobarella
    All sounding good, it's hitting that time of the month isnt it.

    The disability course sounded interesting.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • hugglemonster
    • By hugglemonster 17th Mar 17, 7:22 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Hi, hi!

    Another busy week done and full of cold, I left work a bit earlier yesterday and also managed 2 hours this morning as feeling rotten and sneezing everywhere. Dd has been off school today too as she was full of it as well.

    I working tomorrow morning, but only teaching a short course for new coaches my dh will be one of them and two girls from my club.

    My colleague's son is popping round in the afternoon to look at the cupboard that needs taking out and electrician is booked for 3rd April. It will be good to get the next stage of decorating done, will then need to get the carpenter to put in a new door frame, hang new door and put in new skirting boards.

    Finances all up to date, expenses from second job in bank which included my flights for Jersey so good to get it back in my account. Only one week and 4 days until next payment on overdraft which is good, definitely working better having a set amount going in and not overstretching where we can't afford it.

    Mum and Dad's theatre tickets arrived yesterday and I have their cards, I've never been so organised with this either. Must be growing up finally! My brother and his fianc!e are coming to visit next weekend and they are cooking for everyone which will be nice. I must remember his birthday is on 5th April and that will come round quickly.

    9 weeks until we go to Germany! Yay :-)

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • hugglemonster
    • By hugglemonster 16th Apr 17, 3:23 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    *Sneaks back in*

    Well hello, long time no see, been very busy with work, coaching, family life etc but having a nice few days off before back to work on Tuesday. After not being well then having a horrible cough for ages I chatted to dh about the future and we both agreed that I could not gone on forever doing 2 jobs as it makes me tired and I'm not able to put 100% into either job. So the plan is to pay off the debt and get into a position that I only need to do one job, this will be my second job as it pays more, there's more perks, it makes me happy and it's fun!

    I haven't got a timetable of when this will happen so I need to do this to have a target to aim for, of course there are things aside from the debt that we need to pay for such as our visit to Germany, trip to London and finishing ds bedroom so it may be a bit slow for a few months.

    I definitely try to spread money out to too many things at a time, so I will focus on one thing and realised today that it's only 4 months until we go to London so we need to put aside money for the hotel, food, fuel and car parking (tickets already paid for for event). Therefore I will only pay minimum payments on debt until this is saved. I don't want to go and be scraping around for money.

    Finances are OK still room for improvement but ynab is up to date, dh gets his bonus in his next pay on 1st May well it should be 1st May the whole company failed to get paid on 1st April and had to wait for 3 days until it was sorted! This bonus will pay for our trip to Germany and should be a bit left over for dh to have a treat as it's his money. Both of us got a very small pay rise, mine from second job nothing from other one. I also found out that I have 4 days of leave to be carried over from second job which will help over the summer hols.

    House has been cleaned, washing out on the line and we have also started getting veg and fruit boxes from our local farm and the quality and amount is fantastic. We write the menu when we see what has arrived on a Thursday evening.

    Hope everyone OK, H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • hugglemonster
    • By hugglemonster 17th Apr 17, 12:28 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Light bulb moments are continuous, I mean there has been the big one where you know that you have to change your ways but also there are mini ways along the way when you lose your momentum and it takes a little thing to spur you back on.

    I think the thought of just having one job is getting me itching again to get moving so I am going back to basics and looking at all the small things we can do to save money which will build into a bigger benefit in the future.

    So some things are things we should be doing automatically and slip into bad habits, today I have:
    * Put the washing on the line, it looks like it might rain later but if it can be out for a couple of hours then it will mainly be dry.
    * Replanted first lot of tomatoes into bigger pots with ds, next lot of seeds planted plus also some flowers and found a packet of onion seeds so they have been planted too.
    * I have done a spreadsheet of debt payments to keep on track with paying off each debt and also snowballing the monthly payments as it moves along, it's a bit difficult to be exact at the moment but at least I have a rough idea of when I can pay things down by.
    * Checking all utilities to see if we can make any savings.
    * Need to plan for outfits for wedding, I'm wearing a dress I have already but need some nice shoes to go with it, obviously will scan for deals and vouchers.

    Right off to make soup and dh making rolls, I will be back

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • PurpleFairy26
    • By PurpleFairy26 17th Apr 17, 5:54 PM
    • 1,616 Posts
    • 10,958 Thanks
    PurpleFairy26
    That makes so much sense. I think when we're in it for the long haul you get these waves that refocus the mind, it's easy to let things 'slip' not through desire but just by being busy and trying to spin lots of plates. The small things really help. There is a post over on DFW we're we list our small things for the day, that helps too. Don't have to list every day, just when you can. You're more than welcome to pop by. Good luck on your journey.
    • hugglemonster
    • By hugglemonster 2nd May 17, 11:19 AM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Cor blimey another manic few weeks, I've been so snowed under it's ridiculous I really need to get sorted to get rid of a job so I can make a good job of my other work. I went to Jersey last weekend for my second job which was fantastic!

    So here's the grim reading:
    Finances - OK but could be so much better, I shocked myself into looking at the reports feature of ynab we are spending 3500 a month and bringing in just over this amount, that is bad, very bad. There is no need to be spending that much and just shows how we could make a few small changes to have some extra to put away and make extra repayments. I am very embarrassed

    Annoyed today as dh hasn't been paid yet again on time (whole company again) today his bonus goes in which I need to put aside for Germany now 3 1/2 weeks away, equally I have had to chase up my expenses 222 is a lot of money to be forking out.

    Job 1 - very concerned to be shown a note made by Managing Director about possibly liquidating the company and starting a new one which is very dodgy when looking at staff etc. I'm not happy with my role and I haven't had the pay restructure promised back in November so at the minute I'm just going to plod on and the sooner I get rid of my debt the sooner I can leave.

    Job 2 - is brilliant it has it's niggles with individuals in the wider sporting community but on a day to day basis I love it and get lots of enjoyment and perks from it.

    House - ds decorating is at a stand still until we have been to Germany but we have be clean, tidying, sorting the garden and getting our tomatoes starting to grow - the first batch will be ready to go outside soon.

    Car - need to replace one tyre as has a slow puncture but can't do that until dh gets paid.

    Savings for London - Currently have 130, should be more but waiting on expenses!

    Need a right kick up the behind, I was 42 last week I can't carry on like this for another year.

    Right to hang out some washing as it's nice and sunny today, H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • Bobarella
    • By Bobarella 2nd May 17, 2:33 PM
    • 10,538 Posts
    • 67,769 Thanks
    Bobarella
    Hi Lovely
    I've always wanted to go to Jersey, apparently I have been there as a very small child but no memories!
    Just running out the door but wanted to reply now!

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • hugglemonster
    • By hugglemonster 2nd May 17, 7:16 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    A fairly successful day in the end, dh finally got paid this afternoon so have transferred 1000 to separate account ready for Germany I have also paid for airport car park which was strangely cheaper through website rather than cashback site.

    Tyre only needed repairing as it was a puncture so 10 for that little job.

    2 loads of washing have dried outside, tomatoes have been out getting some sunshine and will come in for the night soon. Made 15 small Cornish pasty type pies from left over beef stew, will have a couple for lunch tomorrow with left over cauliflower cheese and freeze some.

    I have managed to catch up on a few emails, still plenty to do but it's a start.

    Back to other job tomorrow, had to take a day off as ds was sick last night but worked out well tbh.

    Did I say I was 42 last week, actually I was 41 - what a plonker!

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • Bobarella
    • By Bobarella 2nd May 17, 10:23 PM
    • 10,538 Posts
    • 67,769 Thanks
    Bobarella
    Did I say I was 42 last week, actually I was 41 - what a plonker!
    H x
    Originally posted by hugglemonster
    This made me laugh! Kind of a bonus though to regain an entire year of life

    But seriously, I am sorry to hear about the liquidation thing. That sounds a worry. Think you are right to leave as soon as you can.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • hugglemonster
    • By hugglemonster 3rd May 17, 8:11 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Today was a bit strange at work, a service user suddenly passed away this morning and my 2 colleagues had to do CPR then 3 ambulances arrived and the Police! Horrible shock for them so things were a emotional, I managed to get a bit of work done and then school phoned to say that ds had been sick again so went to pick him up. I'll keep him off tomorrow but he has eaten fine and is relaxing so not sure whether he just got a little hot in class.

    Finally got a message from boss of second job about expenses so hopefully that will be in the bank in the next couple of days and I'll put some more away for London. Also had some cashback clear 41 on it's way.

    MSE things done today:
    * All meals from/at home
    * YNAB up to date
    * Checked whether we had Deep Heat rather than just buying it, have plenty (I strained my back whilst cleaning trainers - how pathetic) so using that. I have a race on Sunday with a beginners group so glad it will be slower than my usual.

    That's it, we've been out coaching this evening then had tea, dd is on her way back from climbing session.

    Tomorrow I have another chance to catch up with paperwork and emails, plus lots of washing to do so fingers crossed the sun is out again.

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • hugglemonster
    • By hugglemonster 3rd May 17, 9:10 PM
    • 232 Posts
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    hugglemonster
    Whoop small progresses
    *checked on cancelled tablet contract and this has now finished so another direct debit off the list and 5.11 a month saved.
    *meter readings submitted.
    *moved 7 from account rewards to savings.

    Easily pleased! H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • Bobarella
    • By Bobarella 3rd May 17, 10:55 PM
    • 10,538 Posts
    • 67,769 Thanks
    Bobarella
    Gosh that sounds very sad and awful at work. Poor person who died and poor you for being caught up in things.

    Hope your DS feels better tommorow.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • hugglemonster
    • By hugglemonster 4th May 17, 10:53 AM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Good morning, the sun is indeed shining and washing is a production line, so far I have 2 loads out on the line, one in the wash, one load to go, 2 loads put away that have been in a pile for days!

    I usually concentrate better on paperwork in the afternoon so after lunch I will get cracking on that.

    Ds is fine (eating like a gannet) no more sickness, I did have a chat with him to make sure everything was OK at school and nothing worrying him but he's said there wasn't. I think I will pop and see his teacher in the morning just to have a chat.

    My back is sore, I need to lead my coaching session tonight so will have to take some painkillers later, so frustrating!

    MSE things for today so far:
    * Expenses have been paid so 100 moved to London savings and the rest has stayed in the account.
    * Washing ongoing as described above.
    * Dishes done.
    * Need to pop to post office to send off this months expenses and receipts.
    * Meals from home - planning a mini roast for this afternoon before we all go out to club / sessions.
    * Update YNAB
    * Tomatoes getting some sunshine, I need to source some herb cuttings to get started.

    This is why I need to work part-time, I can get so much done at home.

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • hugglemonster
    • By hugglemonster 5th May 17, 2:14 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    An interesting morning - went to collect an item from the main post office that didn't have enough postage so had to pay 2, it turned out to be a birthday card from my best friend and she had forgotten to put a stamp on it! Banana! Then went to do some coaching and then drove 45 minutes to a meeting only for the other person to fail to show, it really infuriates me when someone doesn't contact you and I left her a message this morning confirming we're still meeting, I won't be chasing her, still get my mileage but could have come home and got on with some work.

    I was home for 5 minutes and the lovely postman brought me a selection of goodies - a cheque for some work my dh does for a club, in the bank already and transferred to savings which now stands at 340 for London trip. Also a top and t-shirt from my eldest brother coz he is lovely see! and a parcel from my younger brother for my birthday - a cheese sandwich, yes you read correctly a cheese sandwich and apparently I have more to come over the next few weeks with different combinations of cheese and another filling, today's is banoffe curd and chocolate.

    Off to pick up the boy soon and get a few bits for tea, tomorrow I need to go to the leisure centre and sort out my equipment cupboard as it's a mess then we have a race on Sunday so another busy weekend ahead.

    So glad I've got time at the minute to keep on top of things, my dh has been brill too as he has been getting bags of stones for free to put on our back garden so this is now finished and will get some pots to grow some herbs and flowers.

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • hugglemonster
    • By hugglemonster 6th May 17, 3:41 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Afternoon all, this morning dh and the kids helped me sort out the equipment cupboard and we did an inventory of it all plus some kit that is in our kitchen. Have loads to use with our juniors! We then went into town to look at outfits for the wedding, got everything for ds but nothing nice for dd. DH is going to get his suit cleaned and just buy a new shirt, he tried on a pair of trousers in N**t but he couldn't even get them past his calves!! Ha ha.

    Lunch was at home then dh cut the grass and thought I would clear the weeds from the front bed but then my back went again, so painful I have never hurt my back like this before! Resting for the remainder of the afternoon so getting the kids to wait on me.

    All finances up to date, next pay day is on 15th and will have another on day we go to Germany. Just need to sit tight now and not spend on anything unnecessary.


    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • TalesfromtheAvenue
    • By TalesfromtheAvenue 6th May 17, 9:08 PM
    • 93 Posts
    • 334 Thanks
    TalesfromtheAvenue
    Hope your back's better soon HM xx
    Debt Free
    Savings targets:
    Emergency fund: 412.67/1000
    Holiday fund: 30/353
    Mortgage overpayments: A/C 01: 0/340 A/C 02: 0/2364
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