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  • FIRST POST
    • Munchin
    • By Munchin 25th Jun 17, 1:09 PM
    • 2,159Posts
    • 6,510Thanks
    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 £500/£12,000 95% paid.
    .
    EF/Hol/Event/Xmas - £00/£30,000(.xx%):Buffer - £xx/£2000;. Total -£00

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
Page 12
    • WannabeFree
    • By WannabeFree 1st Jan 18, 1:27 PM
    • 397 Posts
    • 5,616 Thanks
    WannabeFree
    Happy new year x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Munchin
    • By Munchin 1st Jan 18, 8:23 PM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Pinch punch 1st of the month and welcome to 2018 . Didn't make it to midnight last night and was curled up in bed by 11. Went to brother & his family today for dinner and it was so funny as they were so hungover. Dinner was a bit overcooked but couldn't fault them as it was so funny as they are usually so together . It was also more about spending time with my brother's family, OH and my Mum on New Years day.

    OH is up in Belfast tomorrow so is taking me out to lunch...not sure why but I'm going with it. I need to chop up a pineapple for my breakfast and snacks tomorrow. Determined to spend as little as possible and build up a wee nest egg and a bit of preparation is key to all that.

    Update

    Money - 02 January 2018

    Groceries - £100/£xx spent
    Household - £10/£xx spent
    Takeaway/Eating out - £40/£10 spent
    JFF - £5/£3.98 spent

    Weekly Spends

    Mon 01st - NSD (1)
    Tues 02nd - £13.98 (Lunch out & Amazon book (ED recovery)
    Wed 03rd -
    Thurs 04th -
    Fri 05th -
    Sat 06th -
    Sun 07th -

    Total = £13.98
    Last edited by Munchin; 02-01-2018 at 4:28 PM.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 1st Jan 18, 8:55 PM
    • 2,904 Posts
    • 16,831 Thanks
    HairyHandofDartmoor
    Sparkly ring sounds interesting Munchin . Enjoy your lunch tomorrow.
    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 = £36.76/Loss of Income Fund £0
    • Seasidegal58
    • By Seasidegal58 1st Jan 18, 10:07 PM
    • 1,421 Posts
    • 8,224 Thanks
    Seasidegal58
    How exciting about the sparkly ring Munchin! The Maldives sound fab too! Lovely things to look forward to in 2018!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Munchin
    • By Munchin 2nd Jan 18, 5:58 AM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Thanks SS & HHD .

    I should be up dressed and getting ready for early train but I'm sitting at computer balancing the books because from about 1 minute ago I have paid my car loan . I also made a payment of £1040 to my credit card so it is now slightly less than £1000 but it is in 3 digits and not 4 . It might not show up on my bank account for a few days but it's all updated on YNAB. The card payment is £40 more than I had planned so I've had to reduce the ordinary budgets to cover it so things might be a bit squeaky for a wee bit but soooo worth it

    The car loan is paid 19 months early and I just need 2 more payments to CC and that will be gone.

    I really have no other craic...I need to get into gear and catch the next train.

    PAYDBX 2017 - #12Pd £500/£12,000 95% paid.
    .
    EF/Hol/Event/Xmas - £00/£30,000(.xx%):Buffer - £xx/£2000;. Total -£00

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
    • WannabeFree
    • By WannabeFree 2nd Jan 18, 11:15 AM
    • 397 Posts
    • 5,616 Thanks
    WannabeFree
    Amazing news well done

    Soon be F1 time

    Have a lovely day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Munchin
    • By Munchin 2nd Jan 18, 6:07 PM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Hi Hidden, I start listening out towards the end of Feb for the F1 supplements in the papers to get ready for the exciting build up .

    So I couldn't contain myself with my payments and have moved money out of my emergency fund which is now empty and also out of annual bills to make another payment to my credit card so it is now sitting at £500. I better not have an emergency for a wee while. My first big annual bill is my car insurance for mid March but I should have 2 more salaries to fill it up again.

    1 more credit card payment to go....I shouldn't wish my life away but come on Feb!!

    I went for lunch with OH today ...he invited me out and we split the bill which is a bit of a surprise (kind of got used to him paying). Then a card came in the post with £2 postage due ....curiosity killed the cat so I have paid it. Final payment was a recommended ED book for £3.98 (2nd hand). OK unexpected spends but not frittering

    I made a lovely (here's hoping) vegetarian lasagne for later tonight and even though I cut the ingredients down for 2 people it looks like there will be enough to take for my lunch and OH for the next couple of days. It would have been huge if I had chucked in the rest of the veg .

    The winds are starting to build now so Storm Eleanor musn't be far away but I don't think we are due to get it that badly. Hope it misses you all.
    PAYDBX 2017 - #12Pd £500/£12,000 95% paid.
    .
    EF/Hol/Event/Xmas - £00/£30,000(.xx%):Buffer - £xx/£2000;. Total -£00

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Jan 18, 7:44 PM
    • 2,904 Posts
    • 16,831 Thanks
    HairyHandofDartmoor
    Great news on the car loan and the credit cards . Does that mean you'll be debt free in February?
    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 = £36.76/Loss of Income Fund £0
    • Munchin
    • By Munchin 2nd Jan 18, 8:53 PM
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    • 6,510 Thanks
    Munchin
    Hi HHD, yes the plan is that the final payment will leave my account on 29 Jan and should clear at start of Feb. . So 27 days to go.....yes I can be that nerdy.

    Storm getting really noisy now & pup is upset 🐶
    • Seasidegal58
    • By Seasidegal58 2nd Jan 18, 9:25 PM
    • 1,421 Posts
    • 8,224 Thanks
    Seasidegal58
    to the loan!

    Hope the storm isn’t too strong and poor pup is ok.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Munchin
    • By Munchin 4th Jan 18, 7:17 AM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Morning

    I am on the train dressed like a bag lady as I’ve decided to go for run before work. My bag is hopefully packed with my breakfast, lunch and work clothes. It’s too dark to run at home so hopefully starting a routine to run at work ..but it requires preparation which is my downfall.

    Stopped at Asda yesterday to stock up on fruit, veg, chicken etc - I was surprised how empty the shelves were for fruit & veg so I guess everyone is on a New Years health kick.

    Next stop is mine and it is very wet out there.. I’m in my running gear so no excuses

    Update

    Money - 04 January 2018

    Groceries - £100/£16.15 spent
    Household - £10/£xx spent
    Takeaway/Eating out - £40/£10 spent
    JFF - £5/£3.98 spent

    Weekly Spends

    Mon 01st - NSD (1)
    Tues 02nd - £13.98 (Lunch out & Amazon book (ED recovery)
    Wed 03rd - £16.15 (Groceries)
    Thurs 04th - NSD (2)
    Fri 05th - NSD (3)
    Sat 06th - £56.86 (groceries)
    Sun 07th - NSD (4)

    Total = £86.99
    Last edited by Munchin; 07-01-2018 at 5:00 PM.
    PAYDBX 2017 - #12Pd £500/£12,000 95% paid.
    .
    EF/Hol/Event/Xmas - £00/£30,000(.xx%):Buffer - £xx/£2000;. Total -£00

    Speaking my truth from a place of love and kindness// Struggles are strewn about on the path to success.
    • Seasidegal58
    • By Seasidegal58 4th Jan 18, 9:59 PM
    • 1,421 Posts
    • 8,224 Thanks
    Seasidegal58
    Hope the storm wasn’t too bad.

    You’re very good in running to work Munchin. Don’t forget those work clothes though!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Munchin
    • By Munchin 6th Jan 18, 9:01 AM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Morning

    I need to get act together as I have a list of things to do today as long as my arm
    • Yoga at 9.30
    • Grocery shop
    • Change bedding & clean bedroom
    • Hoover hall and living room
    • Take down Xmas decs - so sad it’s all gone
    • Iron work clothes
    • Make sugar free cookies & protein balls for work - made 11 cookies .... now there is 9 but I had to be sure they are edible
    • Prep lunches - tmw
    • Odds & sods As day goes on - cleared out paperwork.. dinner on now

    Ok I have 5 mins to get ready for yoga

    Last edited by Munchin; 06-01-2018 at 6:05 PM.
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 8:28 PM
    • 1,421 Posts
    • 8,224 Thanks
    Seasidegal58
    I took my deccies down today as well Munchin. Feel a bit sad like you .

    I like your method of testing the edibilty of the cookies!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Munchin
    • By Munchin 7th Jan 18, 4:58 PM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Afternoon,

    OH & I went for a lovely walk along Benone beach this morning & then drove up to a lake which looks down across the beach and into Donegal. Really beautiful way to start a morning. Only downside was that my boots (haven’t worn in about a year) rubbed the back of my feet & now have 2 blisters.

    We stopped at Sainsbury’s on way home but OH bought a few bits and my purse stayed firmly closed.

    Plans now, vegetate in front of fire with tea and put of tomorrow for as long as possible.

    24 days to debt freedom
    • Seasidegal58
    • By Seasidegal58 7th Jan 18, 7:34 PM
    • 1,421 Posts
    • 8,224 Thanks
    Seasidegal58
    Your morning sounded lovely Munchin. I walked along the path next to our beach today. I doubt that it is as scenic as yours though. It’s a bit built up around here and when the tide goes out it’s rather muddy.....!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Munchin
    • By Munchin 14th Jan 18, 12:22 PM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Morning

    A week has skipped past and I've really nothing exciting to update. My Mum was poorly so have been going between 2 houses but she seems to be on the mend. Work has been a bit of a pain as I have a problem child staff member who has been really throwing his weight around. Hopefully the week ahead will be much better.

    I got word of a potential vacancy back in my old place which would be amazing but it's only a rumour but has managed to unsettle me. There is very little I can do but keep an eye out and as the saying roughly goes 'If it's for you it will not go by you'.

    Money front - bit spendy this week because I was paying for my Mum's bit and bobs as well as my own. Will be nice to make my final payment in Feb to the debt and then I can start on the savings.

    So plans today....get work gear ready, watch Columbo and drink coffee. OH is talking about a walk later but I keep my head down he might go away
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 1:34 PM
    • 2,904 Posts
    • 16,831 Thanks
    HairyHandofDartmoor
    Sorry your mum hasn't been well and glad she's on the mend.

    How have your morning runs been going? Your beach walk last week sounded so lovely .

    I hope your problem staff member settles down and decides to grow up.
    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 = £36.76/Loss of Income Fund £0
    • Munchin
    • By Munchin 15th Jan 18, 11:01 AM
    • 2,159 Posts
    • 6,510 Thanks
    Munchin
    Hi HHD, - runs have been going well. I do between 2 - 3.5 miles on a Tues & Thurs morning and I feel really good for it . I'm not sure what will happen tomorrow morning because of the snow/ice warming.

    I was a bit bleurgh yesterday but it's just because I'm feeling a bit unsettled. This morning has been nuts but in a busy positive way.

    I've worked out that I really really need payday to come today and not on the 29th.

    Update

    Money - 20 January 2018

    Everything - £60/£25 spent

    Weekly Spends

    Mon 15th - NSD
    Tues 16th - NSD
    Wed 17th - NSD
    Thurs 18th -NSD
    Fri 19th -£13
    Sat 20th -£15
    Sun 21st -



    Total - £60/£28
    Last edited by Munchin; Yesterday at 3:07 PM.
    • Seasidegal58
    • By Seasidegal58 18th Jan 18, 8:25 PM
    • 1,421 Posts
    • 8,224 Thanks
    Seasidegal58
    Hope you’re Mum is better Munchin and work has settled down.

    Your NSDs are going really well!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
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