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  • FIRST POST
    • Munchin
    • By Munchin 25th Jun 17, 1:09 PM
    • 2,116Posts
    • 6,265Thanks
    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 £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
Page 5
    • Seasidegal58
    • By Seasidegal58 24th Sep 17, 10:42 AM
    • 1,173 Posts
    • 6,596 Thanks
    Seasidegal58
    Hi Munchin. Just seen that you have started another diary so have subscribed.

    Glad that things sound positive on the ED front. !pinx sounds very interesting. Must google it!

    Enjoy the rest of your weekend!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Munchin
    • By Munchin 27th Sep 17, 7:16 AM
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    Munchin
    Hi SSG, lovely to see you. Hope all is good with you.

    !pinx is a brilliant, not necessarily for getting a reduction but the urge to splurge goes... and I need all the help I can get

    I skipped the electoral count test last night, I know it could have been a wee bit of extra money if chosen but I'm just tired & had such a blinding headache I would have messed it up anyway but I'm still down as a polling clerk.

    I'm on a 1/2 day today as I have a food test thing in the afternoon and then therapy at 6 followed by volunteering at 7.30. I cant wait to this weekend to sleep. Next week my nights are almost my own but this week is manic.

    Money front - pay day today , thank goodness ... my pots were very empty this month. First things first I have to pay another bit to our Xmas lunch & money for therapist. Saturday starts another 6 week yoga class to keep head screwed on.

    Spending fast is struggling along.. I'm wild for impulse buys but I want to see my savings grow & debt shrink.

    On train & only 2 more stops to go.. better get myself together
    Last edited by Munchin; 27-09-2017 at 7:50 AM.
    PAYDBX 2017 - #12Pd £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 1st Oct 17, 2:43 PM
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    Munchin
    Afternoon

    Typical Sunday for me.. watching F1 and reading diaries . OH is just away to visit his brother who is currently in hospital. I did volunteer to go with him but he was happy to see his brother on his own.

    My busy manic week is over .. yeah. It was lovely to catch up with ex colleagues on Thursday night but I was also very happy it was my last night out this week. I went and saw the kinesiologist on Wednesday and she was so lovely. She recommended 2 supplements - chromium and some sort of probiotic. I was asked to add foods to my diet rather than restrict foods so I'm going to give that a go. I must admit I'm feeling better for it but I know it's only been 4 days. I made a nice French onion soup yesterday from the suggestions she gave me and it is really nice (shocked myself ) which will last for a few days and it is needed with the carppy weather we're having.

    Yesterday was a flat out busy day typing up 3 sets of minutes from volunteer things during the week. Ironing my clothes mountain in the afternoon but I did manage a relaxing morning at yoga.

    Money front - the therapist I'm seeing is really good but at £50 a time it isn't cheap but I have had ED issues for 17 years so I really can't begrudge the payments but boy I'm looking forward to being totally recovered and having my money back . I spent £100 on the therapist and kinesiologist (1 off appointment) this week. It was such a spendy week with £40 spent for my 6 week yoga class, £50 nephews birthday (sweet 16), £30 diesel and £40 groceries, £16.50 lunch out with work colleagues & £18.50 dinner out with ex colleagues. Grand total £294 and that doesn't count all the direct debits which will be leaving my account on Monday. The only positive is that there was no frittering.

    This week I have therapy and lunch out with a friend. On a positive note I'm below £3000 on my car loan so I now own 2/3rds of my car
    PAYDBX 2017 - #12Pd £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 1st Oct 17, 2:49 PM
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    Munchin
    October budget

    Grocery - £90/£12.98 spent
    Other - £43/£0 spends

    October spends

    Sun 01st - £12.98 (£6.48 Gaults + £1.50 (for Mum) +£5 church)
    Mon 02nd - £16 (Argos pillow & duvet)
    Tues 03rd - NSD
    Wed 04th -NSD
    Thurs 05th -£12 lunch
    Fri 06th -£18 pub & £8.70 chinese
    Sat 07th

    Total = £60.68
    Last edited by Munchin; 07-10-2017 at 8:58 AM.
    • Seasidegal58
    • By Seasidegal58 3rd Oct 17, 9:30 PM
    • 1,173 Posts
    • 6,596 Thanks
    Seasidegal58
    You've certainly been busy Munchin! And I hope the new supplements help do the trick.

    I had a look for !pinx on google but couldn't find it. Only a gym in, if I remember correctly, Leamington Spa!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Munchin
    • By Munchin 6th Oct 17, 6:18 AM
    • 2,116 Posts
    • 6,265 Thanks
    Munchin
    Morning

    OH dear Seaside - it might of helped if I'd used the correct name - it saves to my favourites as !pinx but it's actually pricepinx.com - sorry. It does cut down spends for me.

    So I've decided to get the slightly later train this morning so I can spend a wee bit extra in bed but I'm up and on the go now. I messed up my YNAB budget and decided to do a brand new refresh this morning. I ended up with more money in my current account than I had and rather than trying to figure it out I just started again.

    Went for lunch with a friend yesterday and have another lunch scheduled in for next Tues. On the one hand it's great working in Belfast and I get to meet up with so many friends & ex colleagues but on the downside it's a wee bit expensive. I'm meeting friends for 1 quick drink on way home.

    Last night I had a movie night with OH & nephew and we watched Despicable me 3 on his PlayStation...will have to babysit more to get to watch current movies

    Tomorrow plans - yoga, volunteering and I promise to sort through my wardrobe and swap summer and winter clothes but to be honest there isn't that much difference
    PAYDBX 2017 - #12Pd £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 7th Oct 17, 9:09 AM
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    Munchin
    Morning

    I'm on my 1 coffee of the day 😀 & making plans for busy but fun day ahead. I wanted to pop into voluntary place to sign some forms but will leave it as it shuts at 1 & I would just be rushing.

    Plans today -

    9.30 to 11ish - yoga
    11.15 to 12.30 - run (mentor for c25k group)
    Home - shower
    1.30 to 3ish meeting friends in Belfast
    4 - 6 tidying & tackle wardrobe
    6 - mass with mum

    7 - feet up with OH

    Popped into pub for 1 drink on way home & it cost me £18 for 3 drinks....even though I only had 1 - so expensive but you don't get people time back. I was leaving Belfast at 6pm & crowds were meeting me coming out of station to start their night. Gave some money to a homeless guy on way home.

    Planning on having a wardrobe clear out as per ED councillor - if it doesn't fit or look good it goes to charity .... to be honest only a few bits don't fit but some stuff was bought because it fitted & nothing else . Wish me luck
    PAYDBX 2017 - #12Pd £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 8th Oct 17, 8:35 AM
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    Munchin
    Oh my goodness - confession time, I managed to fill 2 black bin bags with clothes that didn't fit or didn't fit right. Ok it's 7 years since I did a massive clear out but I was shocked. I took it all to charity (st v de p), before I had chance to reconsider. So my wardrobe is a lot more streamlined but to be honest I still have enough to do me. Would like some black tops/vests (primark) to go under cardigans & a scarf but that's it.. i hope.

    Yoga was nice and relaxing & it was lovely to see friends.

    Today OH is going to visit bruv in hospital and I'm going to meet sister and nephews.
    Last edited by Munchin; 08-10-2017 at 8:53 AM.
    PAYDBX 2017 - #12Pd £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 8th Oct 17, 3:15 PM
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    Munchin
    Hi

    House is neat & tidy and I have the fire on which is a bit early but wanted to be cosy for F1 starting. Annoyed as tv guy ruined the result for me....didn't even give a spoiler alert.

    I've been doing the usual floating round in Diaryland and found a new one today from Shelbi and she sounded so much like me. I go at debt all guns blazing and I say I'm committing to spending fast and then a month later or even less the wheels fall off and the debt creeps up a wee bit . I need more discipline in my debt slaying as well as motivation and I need to just keep plugging at it. I'm doing well in that I've paid off 70% of my car loan in just over a year and although I want it gone by Feb 18 I think realistically it will be April/May 18. My credit card debt has gone up to £1460 and my target to clear it will be May 18. I have a policy maturing in January 18 of about £2000 and I was going to throw that at my debt but I think I will just keep it in savings as there is no interest in either of my debts.

    Today I have removed my bank card from my Amazon account to give me time to really think if I need to do the purchase rather than hitting the 'iclick' button.

    Spending fasts don't work for me as a bit like dieting I rebel at the thought of restriction .

    OH is at the hospital with his brother and I don't think brother will be getting out of hospital soon. Doctors haven't given out results but it's not good.

    I saw the therapist on Wed and she talked about diet plans and it made me really anxious, thankfully it passed and I'm more prepared for my session with her on Wed.

    Plans this week - Work, lunch out with friends on Tuesday, 2 x C25k runs and other than that a bit of a boring week. On the good news front ....2 of my staff are back from leave and the pressure will hopefully start to lift of me.

    I saw 2 Xmas ads this morning and got an email from M&S about pre-ordering their Xmas food ...bit too early for me & Xmas but I do love it .

    Hope everyone has a good week.
    PAYDBX 2017 - #12Pd £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
    • Munchin
    • By Munchin 8th Oct 17, 3:51 PM
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    Munchin
    Oh dear Vettel is out ....that is going to make the next few races a bit boring if we already know Lewis has won the championship.

    Ok lets put the debts down on paper again and focus on not increasing them...

    Debts

    Nationwide credit card - total today £1,460.90.This is 0% until November 2019. I am aiming to pay this off long before that!

    Personal (Car) Loan - It's £2,956.44 today and I've cleared 70% but 30% to go.

    Credit

    Prolific - £16.22
    Swag bucks - 532

    Today I have:

    Checked online banking
    PADs - looking to see if the PAD thread still exists.
    Swagbucks - get mojo back.
    Prolific - check each morning on train on way into work.
    Last edited by Munchin; 09-10-2017 at 9:43 PM.
    • Hiddenidenity
    • By Hiddenidenity 8th Oct 17, 3:52 PM
    • 4,230 Posts
    • 26,459 Thanks
    Hiddenidenity
    You're doing well!

    As for TV guy spoiling F1 result I'd be raging!

    I'm just watching now don't spoil it for me

    I love Lewis he's my fave
    • AdventureWanted
    • By AdventureWanted 8th Oct 17, 4:21 PM
    • 162 Posts
    • 579 Thanks
    AdventureWanted
    Hi,
    Just delurking to say I think you’re doing a brilliant job. The PAD thread is still running. I absolutely love making my PADs. In fact I’m amazed at how much extra I’ve managed to pay off by making small daily payments. Keep up the good work.
    LBM Aug 2017. DFD - May 2021 / Dec 2021
    CC1 - £982.50 / £5,185 1/8/17. CC2 - £7,020.00 / £13,470 1/8/17. CC3 - £10.940.00 / £11,400 1/8/17
    CC4 - £12,740.00 / £13,000 20/11/17

    1% challenge - 80%. PAD challenge - £2,570.27 (since 13/9/17)
    • Munchin
    • By Munchin 8th Oct 17, 4:52 PM
    • 2,116 Posts
    • 6,265 Thanks
    Munchin
    Hi Hidden & Adventure

    Thanks for the heads up on the PAD thread .

    Hidden - I was a mad Schumacher fan & although I always want to see Hamilton win, no one lives up to him...yet .
    • Nicnak
    • By Nicnak 8th Oct 17, 5:39 PM
    • 544 Posts
    • 2,685 Thanks
    Nicnak
    I was thinking of removing my cards from accounts too.

    As luck would have it, I thought I'd lost it and ended up ordering a new one before finding it. It's helped me think about purchases too.

    I'm feeling like it's always one step forward, two steps back too.
    We'll get there. I keep thinking it's a marathon and not a sprint. Some days I feel frustrated by lack of progress though.
    September 6th 2017 start Updated 25th NOV 17
    Credit Card £430 now: £1181 Tesco Loan £7500 = £6700 Car loan £17,500 = £9,875 Total = £25,330 £17,756 EMF #252
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
    • coastalchick
    • By coastalchick 8th Oct 17, 6:03 PM
    • 220 Posts
    • 349 Thanks
    coastalchick
    Avon Skin So Soft is excellent for mozzies. I get eaten alive (I am also pale, freckly and don't tan) and react really badly to them (think legs swelling up like the Aunt in Harry Potter). Used that in France in June and not a single bite. Used it in Sicily just now and only 2 bites in 2 weeks (normally I am covered). Apparently the army use it in the desert or something.
    • Munchin
    • By Munchin 8th Oct 17, 9:10 PM
    • 2,116 Posts
    • 6,265 Thanks
    Munchin
    Hi Nicnak/CoastalC

    Thanks for your support. it can be a struggle but we will get there & itís helps having others in the same boat with same issues.. I get frustrated as I want debt gone yesterday & then I add to it .

    CC - visions of you as HPs aunt , will have to get the Avon stuff for next holiday. Iím the same skin tone as you & my legs still have mozzie scars on them. Would love to visit Sicily or anywhere warm at minute.

    Breakfast, lunch & running gear packed for tomorrow... go me
    • Munchin
    • By Munchin 9th Oct 17, 7:11 AM
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    • 6,265 Thanks
    Munchin
    Morning

    I’ve been awake from 3.46am ...don’t know why & I couldn’t get back to sleep but didn’t get out of bed, need

    I’m on train & using the opportunity to do Prolific surveys (£2 this morning ) & am just waiting for Swagbucks to waken up.

    It felt good to have everything organised last night rather than running round like a mad thing in the morning & rushing to the train.

    Stopping into Mr T to get some ham should hopefully be only spend today. Also joining PAD thread this morning & will make first PAD to CC of £2 (thank you Prolific).

    Grocery - - £56.80

    PAYDBX 2017 - #12Pd £4285/£12,000 65% paid (Car - £2265 & CC £2020) . Slowly but surely. Debt Free Date - March 2018
    NST No. 21 for December / NSD - 5/15 / EF #13:£150/£20,000(.75%)

    Speaking my truth from a place of love and kindness.
    • Seasidegal58
    • By Seasidegal58 9th Oct 17, 10:58 AM
    • 1,173 Posts
    • 6,596 Thanks
    Seasidegal58
    Fingers crossed for your OH's brother Munchin.

    Removing your card details from Amazon sounds a good idea. One Click is leathal!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Munchin
    • By Munchin 9th Oct 17, 8:27 PM
    • 2,116 Posts
    • 6,265 Thanks
    Munchin
    Thanks Seaside, weíre hoping he improves but know heís on borrowed time.

    I-click is evil. I canít even mention the carp Iíve bought without even thinking .

    Grocery -£53.52
    • Munchin
    • By Munchin 9th Oct 17, 9:45 PM
    • 2,116 Posts
    • 6,265 Thanks
    Munchin
    Credit

    Prolific - £19.22
    Swag bucks - 768
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