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  • FIRST POST
    • Munchin
    • By Munchin 25th Jun 17, 1:09 PM
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    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 6
    • Munchin
    • By Munchin 10th Oct 17, 7:10 AM
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    Munchin
    Morning

    My sleeping or lack of is getting worse rather than better, 3.5 hours last night & 5.5 hrs the night before. Will exist on today.

    On happier news my friend invited me to her big birthday 🍰 party which involves a night away in Derry. Of course I agreed & have juggled Novemberís budget to cover it (hotel + pressie + dinner & drinks out = expensive but fun). I have plenty to wear .... I hope.

    Iím out for lunch today again & hopefully that will be me done with catching up with people

    No prolific surveys this morning but there is still a chance later today, if not I will round down to nearest £ the money in my bank account.

    Really not feeling great at moment ...how do people cope with hardly any sleep.....
    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 10th Oct 17, 11:54 AM
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    Seasidegal58
    Sorry to hear of your sleep problem Munchin. I'm afraid I can't give any useful advice as I'm one of those people who falls asleep as soon as their head hits the pillow! Perhaps start a thread on the "health and Beauty" forum for some advice?

    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 10th Oct 17, 8:04 PM
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    Munchin
    Thanks SSG, believe it or not Iím a bit like you regarding sleeping. Out like a light & an earthquake probably wouldnít wake me which is why itís so frustrating at the moment. Hopefully after bake off I will be nice & relaxed and sleep 💤 .

    PAD is teeny today - 97p but itís a payment. I think I will just update PAD thread at end of month.

    Friend bought lunch today but I spent 80p on croissant - tired equals stodge & then had to battle to not be sick. It will all be good tomorrow as I will have 8 hours sleep and wake up feeling amazing
    • Munchin
    • By Munchin 11th Oct 17, 8:48 PM
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    Munchin
    Evening

    PAD today - £7.66 from Topcashback. Iím frustratingly close to a payout from Prolific but of course no surveys today.

    I spoke to an elusive Welfare officer in work today & my case for consideration to be moved closer to home will be considered next Wed. Must admit Iím enjoying work now but Iíve got to think long term.

    I spent £20.06 on groceries after therapy this evening. Have food diary to keep .. blah..
    • Munchin
    • By Munchin 12th Oct 17, 6:18 PM
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    Munchin
    Hi

    PAD today - 64p which is just a rounding down of my bank account. Swagbucks done but no Prolific studies today.

    Popped into M&S for something nice for tea & spent £12.25 but had a £10 voucher , so only cost me £2.25. They were giving out tasters of their chocolate truffles (dark & milk) so I just had to stand & sample both & purely for research purposes the dark chocolate truffle did it for me 😂.

    Discovered today that my work does a discount card thing for various retailers including Mr Stresco & you get 6% off your shop. A bit more investigating is required.

    Work colleague has also managed to get me into the work yoga class tmw morning. Iíve been on a waiting list for ages as itís held in a large meeting room in work so places are limited. However tomorrow is a sampler & hopefully they will have space in future classes.

    On train home now so first early escape since I went back to work after holiday.

    • Seasidegal58
    • By Seasidegal58 12th Oct 17, 9:59 PM
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    Seasidegal58
    The discount card sounds well worth investigating Munchin - especially for grocery shopping!
    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 13th Oct 17, 10:46 AM
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    Munchin
    Hi SS - it shows its good to talk with colleagues, it's tea time now so will investigate the discount.

    I have applied for £5 from Swagbucks this morning which will go to my PAD account. I'm going to make a monthly PAD payment to my credit card in addition to my usual payment. I'm already up to £17 on the PAD front. I closed my First Direct Account last night as I don't really need it and I thought it would be easier for me to have all my salary in my Nationwide account. Spent ages waiting to speak to someone but they were lovely and friendly.

    I attended a free yoga class this morning in work. They don't have any spaces yet for me to attend regularly but I should be able to attend the odd one when people drop out.

    OH was so down last night so I made him a really nice dinner (I surprised myself), and had the fire on so that he wasn't coming home from the hospital to a cold, dark house. Still no improvement with his brother and it's one day at a time.

    Plans tomorrow -
    • yoga
    • possible run with C25k peeps
    • Vegan festival with sister (we're not Vegan but our friend is...not sure if I have to check I'm not wearing any leather etc)
    Have fun.
    • Munchin
    • By Munchin 14th Oct 17, 8:35 AM
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    Munchin
    Morning,

    Ok yoga is scrapped from my plans this morning as we are getting an earlier train up to Belfast but the pup 🐶 & I will go for a wee run in the forest instead.

    Xmas confession - I bought my first Xmas pressie this morning it was the boots Yankee candle set which is down to £30 but I used £5 voucher & topcashback.

    Spends front - going ok. As my therapist says ĎI have to find balanceí and not be so all or nothing. Could do with more money in the month . NSD yesterday but today I will have a few spends at the vegan festival & will pop into St. Georgeís market for a nosy. I also have to give my friend £45 for my hotel stay in Nov.

    Wee small PAD today of 65p.

    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 14th Oct 17, 8:45 AM
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    Munchin
    Ok I’m wild early but this is the Xmas list

    Christmas presents

    Mum - asda gift voucher (£150 - pay £20 per month) + Yankee candles
    OH - £50 (was told to limit pressies)
    Sister 1 - £20
    Sister 2 - £20
    Uncle - £20 (jumper)
    Work chocs - £10
    Work Xmas dinner - Paying monthly
    Nephew 1 - £30
    Nephew 2 - £30
    Niece 1 - £20
    Nephew 3 - £20
    Brothers families - £40
    Cards & wrapping - £10
    Odds - £50

    &
    Niece birthday - £10
    Sister birthday - £20

    Total - £350

    Not counting Mum’s Asda voucher & Xmas dinners as I pay these monthly. I have £500 in Xmas fund which covers more than Xmas,now the issue is planning on what to get everyone ...
    Last edited by Munchin; 30-10-2017 at 7:00 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.
    • Hiddenidenity
    • By Hiddenidenity 14th Oct 17, 12:04 PM
    • 4,230 Posts
    • 26,461 Thanks
    Hiddenidenity
    Are the nieces and nephews small ones? Argos 3 for 2 maybe a good idea Saves a bit extra too. Also I use to always use boots 3 for 2 for family gifts, sometimes the star buy is good for the 'bigger' type gifts too

    I hate buying gifts for anyone and now I usually do a giftcard (even if it isn't from a survey payout )
    • Seasidegal58
    • By Seasidegal58 14th Oct 17, 5:13 PM
    • 1,191 Posts
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    Seasidegal58
    Iíve started on the Xmas pressies as well. Vegan Festival sounds interesting - do tell about it!
    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 14th Oct 17, 7:04 PM
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    • 6,268 Thanks
    Munchin
    Hi Hidden & Seaside

    Thanks for the tips Hidden - 3 of them are under 10 & 1 is only a baby but 1 is a terrible teenager. Will have a nosy at Argos & Boots this evening. I can never decide what to get people & just give sisters money.

    SS - the festival was good. Iím not a vegan but a friend is. The atmosphere was good & we had curry which was lovely but the vegan cake was a bit blah but it was still cake . There was a cookery demonstration & other talks and presentations. Then we headed to a pub & had wine... itís made of grapes so we were still on the vegan agenda .

    I went for a run this morning in our local forest with pup, we often see deers in the distance before they hurry away. Well this morning this amazing stag was just sitting in the trees about 20 feet from the path. It didnít budge and thankfully pup had the sense not to go near it. Really amazing start to the morning.

    Money front - spent £16 at festival and pub which I thought was pretty good & then I gave my friend money for our hotel stay in November. Donít mind paying money for nice things & not frittering.

    • Seasidegal58
    • By Seasidegal58 15th Oct 17, 6:19 PM
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    Seasidegal58

    Money front - spent £16 at festival and pub which I thought was pretty good & then I gave my friend money for our hotel stay in November. Donít mind paying money for nice things & not frittering.

    Originally posted by Munchin
    Vegan festival sounded fun. Totally agree with you on spending on the nice things and not frittering!
    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 16th Oct 17, 6:03 AM
    • 2,116 Posts
    • 6,268 Thanks
    Munchin
    Morning

    OH got a phonecall at 5.30 this morning to come to the hospital as is brother is deteriorating rapidly. I kept myself busy yesterday by tidying the house so I'm not sure what to do while I'm waiting for news...... No point in going back to bed so I'm back in faithful diaryland .

    Yesterday was a tidy day and stocking up on essentials such as washing powder and dishwasher tablets...at least the house is sparkling. Being a sterotypical Catholic girl I lit candles in the chapel ...standing joke that no matter what exam/crisis you have a candle will help

    Sister texted yesterday from England to ask if were ready for the storm. I asked if she had seen the meme on facebook which shows a hurricane over America and one over Ireland and the US states "US prepares by stocking up on canned goods, battoning down the hatches, taking to their cellars and praying'. Ireland's preparations, 'Bring in the Washing' . There has been an announcement that all schools are closed today - I can see my nieces/nephews doing cartwheels when they wake up to that news.
    • Cumbria lass
    • By Cumbria lass 16th Oct 17, 6:17 AM
    • 908 Posts
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    Cumbria lass
    Oh Munchin sorry to hear about your brother in law .Hope the weather doesn't turn out so bad for you. I am in north west uk and we have weather warning out as well.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Munchin
    • By Munchin 16th Oct 17, 6:29 AM
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    Munchin
    Thanks Cumbria, I think we are all stunned with his illness as he did have cancer but it's not the cancer that has got him .

    Keep safe as well...I think it could be a day in with tea and watching out at it. At least I know where the candles are.
    • Seasidegal58
    • By Seasidegal58 16th Oct 17, 8:23 PM
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    Seasidegal58
    Iím so sorry to hear the news of OHís brother. Such a sad, difficult time.

    Yes - good idea to stay in today Munchin. Weíve had strange eerie dark clouds this afternoon courtesy of the Spain/Portugal forest fires smoke and Ophelia fanning it this way.
    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 18th Oct 17, 8:04 AM
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    Munchin
    Morning

    OH brother passed away Monday morning and the funeral is today. OH was able to be with him at the end but I don't think it will sink in for a long time that he is really gone.

    Hurricane Ophelia came and went and left a mini trail of destruction in her path. I was in work yesterday morning and got the first train going to Belfast. It had loads of NI rail workers on my carriage who were there to clear the line just in case but we very slowly pootled into Belfast. Some of my colleagues didn't make it in but they sent in pics of trees lying across drives/yards and there was no way they were getting out. Thankfully apart from branches and leaves we got away without any issues.

    PADDING - has taken a wee step to the side but once today is over then things will return to normal.
    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 19th Oct 17, 10:03 PM
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    Seasidegal58
    Iím so very sorry for your OHís loss Munchin but it must have been comforting for his brother that OH was there with him at the end. I do hope that the funeral went as well as can be expected in the circumstances.

    What a sad time and with all this weather havoc you have been experiencing as well. I hope you will be posting again soon.

    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 20th Oct 17, 10:27 AM
    • 2,116 Posts
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    Munchin
    Hi Seaside - thank you for your kind message. Bereavement is a bit pants to be honest.

    Have been doing a wee pootle round the diaries while I'm waiting for OH to wake up. I have no money and spent extra these past few days as no one felt like cooking & I had to purchase a black dress which I hadn't really thought about as I had hoped up until Sat that a miracle would happen. Anyway that isn't important and I have money in my savings which I can tap into if need be. I have settled on May 2018 as my Debt free date and will continue to PAD towards that. Seriously would love to bring it forward but while I'm paying for therapy I really don't have much extra to spare.

    Once I'm debt & therapy free I will have an extra £650 in my bank to fritter to put towards a wee bit of fun & savings.

    Xmas - Sister just texted to say her and family will be home for a weekend before Xmas and it will be brilliant to see them. I'm thinking the date clashes with something else but my brain isn't joining the dots yet.

    No plans today - OH has things to do down at his brother's place and I will let him get on with it. I might use the opportunity to take pup for a run. He loves the forest but he hates the shower he has to have afterwards as he is usually muck to the ears. I have him in for the groomers tomorrow so that will be a wee expense but he needs a trim as he can't really see out of his fur/hair at moment . His hair doesn't seem to grow anywhere except over his face!!.

    Ok time to take on the world

    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.
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