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  • FIRST POST
    • Munchin
    • By Munchin 25th Jun 17, 1:09 PM
    • 2,227Posts
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    Munchin
    • #1
    • 25th Jun 17, 1:09 PM
    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

    ** Update: Debt free - 29 January 2018
    Last edited by Munchin; 29-01-2018 at 8:53 AM.
    Debt Free 29 January 2018 Save £12k in 2018 - #121- £50/£6,000 (.8%)

    Emergency fund - £50/£10,000(0.5%):Buffer - £xx/£2000;Xmas - £xx; Holiday 2018/2019 - £xx. Total -£50

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
Page 10
    • Munchin
    • By Munchin 3rd Dec 17, 12:33 PM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Christmas presents update @ 08 Dec


    Odds - £50

    &
    Niece birthday - £10
    Sister birthday - £10 (change of plan, just a card)

    Pressies bought

    Mum - asda gift voucher (£150 - pay £20 per month) + Yankee candles
    Work Xmas dinner - Paying monthly
    Nephew 1 - £30 - £35
    Nephew 2 - £30 - £30
    Niece 1 - £20 - £15.75
    Nephew 3 - £20 £15.98
    Uncle - £20 (jumper) - £15 (was £35 but I used a voucher)
    OH - £50 (was told to limit pressies) - -£40
    Sister 1 - £10 - £14
    Sister 2 - £10 - £14
    Work chocs - £10 - £25
    Brothers families - £30 - 35
    Cards & wrapping - £10
    - £6

    Total - £340/245
    Last edited by Munchin; 08-12-2017 at 5:11 PM.
    Debt Free 29 January 2018 Save £12k in 2018 - #121- £50/£6,000 (.8%)

    Emergency fund - £50/£10,000(0.5%):Buffer - £xx/£2000;Xmas - £xx; Holiday 2018/2019 - £xx. Total -£50

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
    • Munchin
    • By Munchin 3rd Dec 17, 4:50 PM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Hi

    Today was nice & quiet with no spending.

    Had a quick tidy up & then watched Miracle on 34th St
    The Xmas shopping list is getting smaller, sisters have set a £10 limit but no clue what to get them. Brothers are almost sorted. I will hopefully get all the final bits and pieces sorted this week. OH is sorted , I just got him a fleece, a puzzle, sweets and got a photo with is brother retouched... just need a frame. Will give that to him before Xmas as it will be a tough one for him.

    The therapist gave me a list of things to do each week and to build on it week by week. Next week is about planning and only buying things on my list .. I use lists as a starting point .. which doesn!!!8217;t help with frittering. I know it!!!8217;s going to be difficult to stick to my list.

    Sis and kiddies are home next weekend for a mini Xmas ...can!!!8217;t wait

    Dec Spends

    Sun 3rd - NSD (2)
    Mon 4th -NSD (3)
    Tues 5th - £23 (lunch out with friend)
    Wed 6th - NSD (4)
    Thurs 7th - NSD (5)
    Fri 08th - £12.80 (airport parking & coffee)
    Sat 09th -NSD (6)

    Total = £35.80
    Last edited by Munchin; 10-12-2017 at 9:30 PM.
    • Munchin
    • By Munchin 8th Dec 17, 8:10 AM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Morning

    I feel like doing happy cartwheels this morning as I got my policy statement yesterday. Once I wrestled it from the pups mouth I was able to see that it was more than I had expected and will clear my car loan and half my credit card debt . It matures on 31st Dec and hopefully the money will appear in my bank account soon after. So hopefully early 2018 I will be debt free .

    It started snowing last night on my way home from work and at times it was difficult to see much but OH said it was only a flurry...what does he know he wasn't driving in it. This morning there is about 2 inches of snow lying outside. I have a list of things I have to do today as sister and family are coming to stay for the weekend and I haven't got her a pressie for Xmas and I need to tidy Mum's house for them. Its semi tidy but need to change sheets etc and make it more Christmassy.

    Money front - NSDs have been going well. I avoid the shops which makes it easy. I will hopefully make my way to shops today to do the last of the Xmas shopping and I will not be counting these spends. I will have a nosy at YNAB now because hopefully I will only have to make a car & credit card payment in January and a CC payment in Feb and from March on my money is mine

    Feel so happy. Plans now ...get showered and wait until rush hour traffic pass so that the roads are a bit clearer before I venture out.

    Debt Free 29 January 2018 Save £12k in 2018 - #121- £50/£6,000 (.8%)

    Emergency fund - £50/£10,000(0.5%):Buffer - £xx/£2000;Xmas - £xx; Holiday 2018/2019 - £xx. Total -£50

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
    • Munchin
    • By Munchin 8th Dec 17, 8:51 AM
    • 2,227 Posts
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    Munchin
    2018 Plans

    Jan - pay off car loan
    Feb - clear credit card

    Savings Plan

    I have a number of savings accounts on YNAB but they don't have much in them but from March onwards this is the plan:

    Aims - clear 1 goal and then move on to next.

    1) YNAB buffer - £2000
    2) Emergency Fund - £5000
    3) Car (no plans to change for a long time) - £6000
    4) Massive buffer - £12,000

    Total = £25,000

    Savings pots

    Emergency fund £100
    Christmas savings £50
    Holiday fund £100
    Annual (oil, car) £150
    Events £100

    Savings starting March 2018 - £600 per month
    Buffer - £250 per month


    • Munchin
    • By Munchin 8th Dec 17, 5:21 PM
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    Munchin
    OMG - the roads are a total nightmare. OH took snow of my car this morning and I have no idea how I didn’t crash into our pillars as I slid sideways down the drive. I couldn’t get the car stopped as I shot across our road (country road). OH was watching me & said I wasn’t going that fast ....... in the drivers seat it seemed really fast.

    I pootled into shops but I really should have turned for home. Spent the day tidying mums & my sisters flight has been delayed for 3 hours... OH rang to say our road has now got black ice on it & I will never get up drive, so I’m now very nervous & im not even in the car yet .

    It’s been snowing on & off all day. The yoga teacher has cancelled tomorrow’s class and I’m glad as I wasn’t for going anyway.

    Ok less of the moaning & back to people watching at the airport and earywigging on conversations
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 17, 7:28 PM
    • 3,400 Posts
    • 21,501 Thanks
    HairyHandofDartmoor
    Morning

    I feel like doing happy cartwheels this morning as I got my policy statement yesterday. Once I wrestled it from the pups mouth I was able to see that it was more than I had expected and will clear my car loan and half my credit card debt . It matures on 31st Dec and hopefully the money will appear in my bank account soon after. So hopefully early 2018 I will be debt free

    Originally posted by Munchin
    That's great news munchin, what a lovely start to 2018

    I hope your sister's plane isn't delayed for too much longer.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £0/Loss of Income Fund £0
    • Seasidegal58
    • By Seasidegal58 8th Dec 17, 8:35 PM
    • 1,582 Posts
    • 9,443 Thanks
    Seasidegal58
    Wonderful news on the policy statement Munchin and your goals look pretty good too!

    Hope roads are a bit better now.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Munchin
    • By Munchin 9th Dec 17, 8:09 AM
    • 2,227 Posts
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    Munchin
    Morning

    Thanks Seaside & HHD, - I think staying out of debt come 2018 will be an even bigger challenge.

    I’m curled up in bed in my Mums house. We got in late from airport and her road was a nightmare, so I spoke to OH and he said there were cars in ditches on our road and we agreed for me to stay put. Must admit it is kind of nice being tucked up in bed listening to my mum pootle round kitchen .

    I suppose I have to head home at some point today.

    Driving yesterday it made me realise how easy it could have been to do damage to my car and I wouldn’t have funds to cover the damage. It just made me more determined to build up funds to cover emergencies.

    Plans today involve going out for dinner tonight and entertaining 6 month old nephew
    • Seasidegal58
    • By Seasidegal58 9th Dec 17, 10:52 AM
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    Seasidegal58
    I love your comment on hearing your mum pootle around whilst you are in bed Munchin. My DD says the the same thing when she stays with me. Says it makes her feel like a teenager again!

    Enjoy your evening tonight - especially with your little nephew - all sounds great fun.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Munchin
    • By Munchin 10th Dec 17, 9:51 PM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Evening

    Today has been a lazy day & now watching ‘I’m a celebrity’ final . Last night went out for family dinner & slipped and slid all the way home.

    This morning I had to pick up mum & take her to mass and neither of our roads were gritted. My car is now parked at end of the drive as it will not go up our hill ...hopefully no one will slide into it. Sister was pleased with Xmas present (gave it to her early as she goes back to England tmw).

    Busy week ahead as I have 2 Xmas dinners which I could see far enough now. I’m taking sis and family to airport tomorrow. I think I have all my Xmas shopping done so no more shopping stress.

    Dec Spends

    Sun 10th - NSD (7)
    Mon 11th - NSD (8)
    Tues 12th - £25 Xmas market
    Wed 13th -
    Thurs 14th -
    Fri 15th -
    Sat 16th -

    Total = £25
    Last edited by Munchin; 13-12-2017 at 7:05 AM.
    • Seasidegal58
    • By Seasidegal58 11th Dec 17, 9:18 AM
    • 1,582 Posts
    • 9,443 Thanks
    Seasidegal58
    Morning Munchin - you must be pleased that you’ve finally got the Xmas shopping out of the way. Enjoy your remaining time with your sister - I bet it must have been lovely to see her - and I hope the roads improve for the journey to the airport.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • WannabeFree
    • By WannabeFree 11th Dec 17, 10:28 AM
    • 1,134 Posts
    • 9,254 Thanks
    WannabeFree
    Well done on getting the Xmas shopping done

    Sounds like you've had a lovely weekend, even if the snow made changes to your plans.

    Have a good day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Dec 17, 10:43 PM
    • 3,400 Posts
    • 21,501 Thanks
    HairyHandofDartmoor
    You must have enjoyed seeing your sister. Do you wish she lived nearer? My sister lives in Scotland and I only see her twice a year .

    I don't envy you the snow as I dread our car getting pranged and not being able to pay for it .

    Well done on getting the Christmas shoppinng organised .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £0/Loss of Income Fund £0
    • Munchin
    • By Munchin 12th Dec 17, 7:36 AM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Morning

    SS/WF/HHD - thank you for your lovely comments xx. I would love my sister to live closer but after a weekend of chaos it’s nice to put house back into order . I really notice it when she’s upset and you can’t just reach out and give her a BIG hug !!!129303; and things have been tough for her these past few years.

    Plans went a bit up the left this morning, was planning to get up 30 mins earlier to be ready & have leisurely breakfast etc. I woke up early & put duvet over my head. Now on slightly later train... road has up graded from ice and snow to black ice..kind of wish other drivers would be a bit more considerate.

    Eating front - good session with counsellor who is now away on holiday for a month. A lot of my issues are more thoughts than reality & mindset is starting to get that but it’s so slow.

    Money front - going strong on NSDs, one of the therapist things is actually helping the money front.. making a shopping list and sticking to it. No random popping into the shop.

    I’ve not been in work since Thursday...will be interesting


    • Seasidegal58
    • By Seasidegal58 14th Dec 17, 8:25 PM
    • 1,582 Posts
    • 9,443 Thanks
    Seasidegal58
    I know how you feel about putting your head under the duvet and staying there Munchin - I often feel like that during the week - especially waking up to these cold dark mornings!

    Good news on your positive counselling session and you must be happy that things are going in the right direction.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Munchin
    • By Munchin 17th Dec 17, 8:34 AM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Morning,

    Last week flew in and hopefully the week ahead will do the same. I had 2 work Xmas lunch/dinners but managed to not be too spendy by sticking to soft drinks. There were some slightly tipsy peeps and I wouldn’t like to be them heading into work tomorrow , but we’ve all done it.

    OH and I are going to a Christmas carol event on Thursday and then I’m on leave on Friday and not back to work until the following Thursday.

    OH & I are going to have Xmas day together. We usually go to my Mum’s but my brother and his wife & their squad of kids have invited themselves to mums and OH couldn’t cope with the noise. There will be other family members there as well. I know Mum will miss us as I’m chief prepper, assistant cook & washer upper but it’s for the best. Mum was upset telling me but it’s not her fault ...there has to be a pr*tt in each family. Brother always goes to in laws so not sure why the change !!!129300;. Will still visit family on Xmas day.

    This week I’m visiting old colleagues, 1 volunteer meeting and going out with current colleague for a hot chocolate in the Xmas market. Time to get ready and pick up Mum and the rest of the day will be very lazy.
    Debt Free 29 January 2018 Save £12k in 2018 - #121- £50/£6,000 (.8%)

    Emergency fund - £50/£10,000(0.5%):Buffer - £xx/£2000;Xmas - £xx; Holiday 2018/2019 - £xx. Total -£50

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
    • Munchin
    • By Munchin 18th Dec 17, 8:00 AM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Update

    Money - 18 December 2017

    Groceries/Household - £20/£xx spent

    Surveys & Voucher

    Swagbucks - xxSB (999SB = £5 paypal)
    Receipt Hog - 1065 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)
    Topcashback -£0 Payable, £xx Confirmed & £xx Pending
    Prolific - £0

    Weekly Spends


    Sun 17th - NSD
    Mon 18th - £8.90 (rang Translink but can't claim anything back - that will teach me.)
    Tues 19th -£17.10 Tesco & £30 diesel
    Wed 20th - £5.50 (photo gift) + £14 (final work lunch out)
    Thurs 21st -
    Fri 22nd -

    Total = £70
    Last edited by Munchin; 19-12-2017 at 3:16 PM.
    • Munchin
    • By Munchin 18th Dec 17, 8:14 AM
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    • 6,837 Thanks
    Munchin
    Hi again

    The New Year is nearly on me again and I'm planning on a more relaxed spending fast more like a spending diet....where I will try to stick to needs but a few wee wants are not going to break the bank. Trying to do moderation in everything for once.

    As I'm hopefully going to be debt free in a few short months it is an attempt to live the life I want going forward. With money in pots ready for most eventualities. Look who fell out of the right side of bed this morning .

    Guidelines
    • 30 day cooling off period for big purchase or out of the ordinary.
    • Beauty items/Clothes/ Shoes etc - buy when I run out and am 100% certain I need it.
    • Books, magazines or papers limited (kindle books & library will do...unless it's a holiday).
    • Reduce the frittering monster.
    To stay accountable I will write my spends on my diary. I think that for other shopping that isn't groceries I will leave it to once a month rather than popping into shops and spying things that I 'must have'.

    Ok time to do some work.
    Last edited by Munchin; 19-12-2017 at 4:57 AM.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th Dec 17, 7:58 PM
    • 3,400 Posts
    • 21,501 Thanks
    HairyHandofDartmoor
    That sounds very sensible re the cooling off period for spends. I try and do that. Sometimes it works and I no longer want the item, other times I'm still desperately craving it after a week or a month .

    It's a shame your Christmas day plans have been railroaded .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £0/Loss of Income Fund £0
    • Munchin
    • By Munchin 19th Dec 17, 6:53 AM
    • 2,227 Posts
    • 6,837 Thanks
    Munchin
    Morning,

    Final final Xmas gift sorted this morning .... I think !!!129300;. I had sent a pic of OH & brother away to get tidied and it was emailed back late last night. I’ve emailed through Tesco photo app so should be able to pick it up this week and now I just need a frame for it.

    I’m heading out for lunch today with a colleague but hopefully will be able to get home super early. Nephew has event tonight I’m going to so looking forward to that.. and it’s free .

    Spendy rest of week unfortunately- I have volunteer thing tomorrow, which I will need to pay parking. Tomorrow night I’m at the beauticians. Thursday out for dinner and staying over at hotel so I’m thinking £60 if we go Dutch. Sat - a few extra odds for Xmas and then hopefully a few NSDs.

    Hope everyone survives this manic but fun week .
    Debt Free 29 January 2018 Save £12k in 2018 - #121- £50/£6,000 (.8%)

    Emergency fund - £50/£10,000(0.5%):Buffer - £xx/£2000;Xmas - £xx; Holiday 2018/2019 - £xx. Total -£50

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
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