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  • FIRST POST
    • hugglemonster
    • By hugglemonster 3rd Dec 17, 2:27 PM
    • 351Posts
    • 1,617Thanks
    hugglemonster
    Hugglemonster's homemade happiness diary
    • #1
    • 3rd Dec 17, 2:27 PM
    Hugglemonster's homemade happiness diary 3rd Dec 17 at 2:27 PM
    A new diary for a renewed enthusiasm for clearing the debt, reducing the mortgage and getting my home finished instead of the shambles it's in.

    I have a few bits of debt left after a nice lump sum from my in-laws cleared the main overdraft these are:
    * Hally overdraft currently £1012.19 - need to pay this off first due to the daily fees plus I still seem to pay £30 monthly fee! Need to check that out.
    * MBNA credit card currently £2083.42
    * Car finance last balance on statement in August this year was £9400.36 so 3 other payments since then will have left a balance of £8825.44.
    * Hubby's computer stuff £293.10 - I could save the full balance and pay off.

    I'm aiming to pay off the overdraft, the credit card and hubby's computer stuff at least in 2018, plus I also want to get my ds bedroom finished and my bedroom decorated too.

    On Tuesday I will get CB payment so this will be the last money that is need for dh to go on his trip next week, I also need to use any money between now and Xmas for presents so main focus on debt busting won't be until after the festive season. I will have a budget for each person I need to buy for plus I will be making some items to reduce costs.

    Some good changes for the new year:
    * My repayments to HMRC for overpaid child tax credit ends in January, so an extra £10 a month back in the budget.
    * DS after school club sent home a letter to say their charges are going up from £9 a day to £10.50, after chatting to dh and dd we will pick him up from school between ourselves therefore saving £144 a month based on current fees. I will do a letter for him to take tomorrow to say we are stopping his place and then there will only be 3 weeks left to pay. This will be lots back in the budget!
    * I'm still waiting to hear if I've got an extra day fund through work, this will be lovely!

    So my mission is to ensure that I use ynab properly and stick to budgets plus reduce food expenditure, continue doing surveys and use vouchers/money earned for birthdays and treats, reduce/re-use/recycle, and seek out the best offers/money back/discounts on all purchases.

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
Page 1
    • hugglemonster
    • By hugglemonster 3rd Dec 17, 2:45 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    • #2
    • 3rd Dec 17, 2:45 PM
    • #2
    • 3rd Dec 17, 2:45 PM
    My MSE things completed today:

    * Washed the dishes instead of using dishwasher, I currently have a free big bag of dishwasher tablets to test but will use for big loads only.
    * Hung laundry on airer instead of using tumble dryer.
    * Cashed out a £15 voucher on a survey site and completed some other surveys.
    * Expenses form completed to be sent tomorrow with my monthly report, £250 owed.

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • beanielou
    • By beanielou 3rd Dec 17, 4:52 PM
    • 50,499 Posts
    • 192,940 Thanks
    beanielou
    • #3
    • 3rd Dec 17, 4:52 PM
    • #3
    • 3rd Dec 17, 4:52 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • hugglemonster
    • By hugglemonster 4th Dec 17, 2:52 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    • #4
    • 4th Dec 17, 2:52 PM
    • #4
    • 4th Dec 17, 2:52 PM
    Afternoon all, just popping in between work as out tonight promoting a new group ready for the new year. Last night the kids and I went to the local cinema, very MSE as dd had a voucher for her birthday so that covered the fee and we just got a drink and one bag of popcorn, I have emailed the cinema with a complaint though as during the film trailers before the main film there was a lot of really bad swearing and I mean bad including the M....F... word, I would have left it but as the film was a 12a I would have thought that any trailers would be appropriate to the audience that would attend. Anyway I'm not expecting much from it but I've suggested that they look at this when showing other films.

    Not much going on today and tomorrow as working but then I'm off for a few days as I'm doing a fundraising run/walk from Friday to Sunday covering about 80+ miles so a bit busy!

    My MSE things of the day:
    * Washing on airer
    * Dishes washed by hand
    * Claimed £5 paypal from shopping receipts app
    * Refund from tshirts that dd wanted and didn't check size, £2 coin added to Xmas 2018 piggybank currently £28 in there
    * Tea from freezer this evening

    If I get time before I go out I'll do some surveys and need to update ynab, plus I still need to do a report for work so I'd best do that first otherwise I won't get my expenses.

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Drawingaline
    • By Drawingaline 4th Dec 17, 8:47 PM
    • 331 Posts
    • 1,193 Thanks
    Drawingaline
    • #5
    • 4th Dec 17, 8:47 PM
    • #5
    • 4th Dec 17, 8:47 PM
    Good luck I am also a ynab user
    • hugglemonster
    • By hugglemonster 6th Dec 17, 1:06 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    • #6
    • 6th Dec 17, 1:06 PM
    • #6
    • 6th Dec 17, 1:06 PM
    Good afternoon, a busy day doing errands in town I'm so lucky that I live right across the street from the high street so can walk everywhere. I had to nip home half way through as the bank wasn't open until 10am and I'd finished everything else.

    Mum popped round yesterday as my Grandad had left money for me and my siblings following his passing and gave us a cheque for £1000! I've paid this into the bank today and will leave it to help towards Xmas and also leave a buffer. I have also taken out money for DH trip and got his Euros. As this is now paid for and Xmas will be OK I can start paying bits off the overdraft, I sent the £5 from shopping app over and when expenses come in I will pay that too.

    DH has been good, he was going to buy some bits for the home and clothes for his trip but after ordering he changed his mind and cancelled so a few refunds to come back. Plus he realised that he had enough clothes and only brought one shirt. Very impressed with him

    My MSE things:
    * Used B**ts points to pay for a concealer, I don't shop there much so wasn't sure if I had enough so that was a bonus. This is the only makeup I wear.
    * Updated YNAB - need to have frugal month food wise, I'll be doing lots of batch cooking over the festive season as Jan/Feb will be busy.
    * Surveys completed and requested another small payout.

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • redofromstart
    • By redofromstart 6th Dec 17, 1:24 PM
    • 1,105 Posts
    • 6,755 Thanks
    redofromstart
    • #7
    • 6th Dec 17, 1:24 PM
    • #7
    • 6th Dec 17, 1:24 PM
    Happy new diary, and good luck with your plans.
    • pennywisepoundstupid
    • By pennywisepoundstupid 7th Dec 17, 11:10 AM
    • 4,632 Posts
    • 15,380 Thanks
    pennywisepoundstupid
    • #8
    • 7th Dec 17, 11:10 AM
    • #8
    • 7th Dec 17, 11:10 AM
    Yeah, found you, happy new diary. You have made a great start onwards and upwards. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • hugglemonster
    • By hugglemonster 7th Dec 17, 11:41 AM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    • #9
    • 7th Dec 17, 11:41 AM
    • #9
    • 7th Dec 17, 11:41 AM
    Morning all, I've been packing for my 3 day adventure it's meant to be extremely cold with a high chance of snow so bit be a bit of a trek but I've packed good kit.

    I received a cheque from an elderly relative for Xmas so I've paid that into the bank and transferred it to the overdraft, another £10 paid off plus after looking at the account and interest added I've paid off another £52.95 to bring it to £950. These daily charges are awful, hopefully my expenses won't take long to come through so I can put a nice lump in there and keep chipping away.

    My MSE things:
    * Cut up old t-shirts to make dish clothes (not my tip!)
    * Food from stores, not shopping until Monday now as DH will be away, I'll be away and kids staying at my parents house.
    * Surveys to be completed

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Purplemumof2
    • By Purplemumof2 7th Dec 17, 2:19 PM
    • 5,804 Posts
    • 21,543 Thanks
    Purplemumof2
    Hi Huggle,

    Happy new shiny diary

    xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • hugglemonster
    • By hugglemonster 14th Dec 17, 10:53 AM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Morning all, just checking in after some very busy days, I completed my charity run and think it's finally caught up with me as feeling really run down today with a sore throat, earache and headache. Can't stop though lots to do still!

    Working later on this afternoon and then when I pick up ds from after school club that will be his last one as I can pick him up each day until end of term. I still need to pay the final bill of £108 but that's fine then January will be super saving month.

    I've been to get Xmas presents today, amazing how much difference there is in prices for the same things - love Home Bargains for this. I went to have a look in B**ts but I just find it is so overpriced £4 for one bath bomb is ridiculous! I've also order some vouchers through dh work scheme as we can get up to 10% off the value.

    Still waiting for expenses to be paid and need to catch up on surveys, looking forward to when kids finish school next week some we can make some treats to add to the presents.

    H x
    Last edited by hugglemonster; 14-12-2017 at 11:04 AM.
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • pennywisepoundstupid
    • By pennywisepoundstupid 14th Dec 17, 11:09 AM
    • 4,632 Posts
    • 15,380 Thanks
    pennywisepoundstupid
    Sorry to hear your not feeling great, hope you feel better soon. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • ladymay
    • By ladymay 14th Dec 17, 11:27 AM
    • 853 Posts
    • 3,713 Thanks
    ladymay
    Best of luck on the new leg of the journey! Sorry to hear you're feeling under the weather...
    Moved back to the UK 05/01/18
    New Job and New Business
    2018 Aim - Save £10k
    • hugglemonster
    • By hugglemonster 26th Dec 17, 4:08 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Hi all, hope all had a good Xmas. Ours was lovely and relaxed but ds has been poorly with a cold, upset stomach and vomited at 0600 this morning - seems a bit better but as we are due to travel to the south of the country tomorrow we will see how he is in the morning.

    Everything is OKish, had to take car in for new brakes and discs last week so unexpected £220 out of the bank, I am just about to update the budget for 2018 as a few changes and I really must allocate some funds for car repairs and home expenses just to have some money put away and not have to worry about finding extra. I know these are very basic MSE tips!

    My MSE things:
    *Had loads of veg left and since we're away from tomorrow I have par-boiled, bagged and frozen them plus some herbs.
    * Surveys done.
    * Washing on airer to dry.
    * Budget to be updated.
    * Cut up some more t-shirts for dishcloths
    * We have lots of biscuits, cake and treats to last until the end of time! No buying anything

    Hope everyone is having a good break, H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • pennywisepoundstupid
    • By pennywisepoundstupid 26th Dec 17, 5:48 PM
    • 4,632 Posts
    • 15,380 Thanks
    pennywisepoundstupid
    Merry Christmas, pleased you had alovely day.

    Hope your DS feels better soon and you have a safe journey.xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • hugglemonster
    • By hugglemonster 29th Dec 17, 3:45 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Home from an eventful time at dh parents house, on Wednesday when we were setting off the car wouldn't start so had to use the defib to start it again, thankfully it's OK but we will have to get a new battery as last year when it happened the mechanic said that it would need changing soon enough, so will put some money aside for that. DS was better whilst we were there but DH has a cold, my niece had Chicken Pox and we left this morning due to bad weather moving in. So glad to be home!

    Anyway we came back with a few prezzies including a couple of vouchers and M-i-L had saved Mr T's vouchers so we have £50 to spend there which will pay for a weekly shop. One of the vouchers is for WHsmiths so going to use that to buy a diary and whiteboard for the kitchen to plan meals, activities and who's going to pick up ds from school when they're back to school on the 9th.

    Since being home I've caught up on a few surveys and need to update ynab, I also need to submit my monthly report and expenses to work and remind them that I haven't been paid for last month! Both dh and I are off so going to do a few odd jobs around the home, I need to attack the overdraft and get that gone once and for all and then save to get the next stage of ds bedroom done. I think ds' room needs another decluttering so will do that too.

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • hugglemonster
    • By hugglemonster 30th Dec 17, 3:24 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Oh my goodness me, I have just given myself a shock - I looked on the reports bit of ynab for our groceries spends for 2017 and it's over £11,000 this does include kids school dinners but this is outrageous! I knew we had always overspent in this area but seeing the full results has made me and dh cringe. So a mutual pact has been made to get this sorted.

    I have just been out to the local DIY shop to buy some seeds, have got salads (mild & spicy), broad beans and will pop to the next town tomorrow to get some 1st early potato seeds to start chitting and some herb seeds. As I don't work full time anymore there is absolutely no reason why I and the family won't have time to look after the garden and grow as much as possible.

    Dh got paid today and child benefit went in early so I have updated ynab and sent a payment over to the overdraft and this is now £860.

    My MSE things:
    * Surveys completed, nothing ready to pay out yet
    * Laundry hung up, not using tumble drier
    * Washed dishes, not using dishwasher
    * Meals planned from freezer until Monday as need to defrost the freezer.
    * Decided not to buy a whiteboard for the kitchen as have a memo board an d lots of notebooks to use up so will write everything down.

    Having a very low key new years, not bothered about staying up and just looking forward to a new year of hard work at home to hopefully reap some good rewards.

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • pennywisepoundstupid
    • By pennywisepoundstupid 30th Dec 17, 3:59 PM
    • 4,632 Posts
    • 15,380 Thanks
    pennywisepoundstupid
    to the £11,000 on groceries and school lunches, can you meal plan and write shopping list every week,try going down a brand or cutting things out such as alcohol during the week. Could children go onto packed lunches now you are working less or only have school dinners once a week such as chip Friday.
    My DS has school dinners once a week as he has 2 clubs one after the other after school and doesn't get in until 7.30pm, but I have decided that i'm going to try and use any prepaid CC I get from surveys to top up his account.

    Love your enthusiasm about growing your own veggies, I can manage salad leaves and strawberries, anything else I seem to kill.

    Enjoy the rest of the weekend xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • hugglemonster
    • By hugglemonster 30th Dec 17, 7:41 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Oh I know, we seemed to have stopped meal planning and I don't know why just drifting from day to day, it's got to stop and yes cut down on alcohol and although I will get non branded things I have to remind dh so try not to take him shopping with me! I was really strict with dh and told him that we were not going to Mr T today to buy food because he fancied cooking but stick to the menu. Also dd asked if she and her friends could make cakes and also buy some chocolate - I am dumbfounded as to why since we have so many treats from Xmas to use up so again the answer was no.

    Packed lunches not an option for dd and ds does prefer the dinners plus he gets a good meal so only needs a light meal in the evening and need to ensure this is the case when he goes back to school.

    I can grow veggies but seem to be useless with plants! Looking forward to planting tomorrow and also planning what get be started in February.

    A nice quite evening looking at a recipes from Jack Monroe!

    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • hugglemonster
    • By hugglemonster 31st Dec 17, 4:21 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Busy today, went over to next town with dd to use some vouchers I managed to get a diary and a book for dh birthday in Whsmiths, used part of Boots voucher to buy some toiletries - use cheaper own brands at 75p a bottle and own brand deodorant so still plenty on the card. I don;t usually get them from Boots but surprised at the price today. DD brought a watch with her voucher and a second hand game with some xmas money. I also decided that I should do more acts of kindness in 2018 outside of my volunteer coaching at sports club, so I brought a young homeless lad a cup of tea and a sandwich and left a car park ticket on the machine for someone else to use as still a couple of hours on there. Nice to help out others!

    We also got seed potatoes, herbs, a mushroom growing kit, strawberries to grow and these are all the windowsill waiting for Mother Nature to wave her magic wand.

    Lunch was beef stew and veg out of the freezer and some rice, and I currently have Foccacia dough rising for Posh Beans on Toast for tea (kids baked beans, dh and I have broad beans with spring onions). Freezer is nearly empty now, a few things to use up tomorrow and then I can defrost and meal plan for the rest of the week.

    DH is on board with having a frugal year, we have agreed for our anniversary in January that we won't have the planned stay and meal in a hotel but cook at home instead, I'll ask my parents to have the kids so we can go for a long run together and have a peaceful evening to watch a film.

    My MSE things:
    * Using vouchers to pay for most of shopping
    * Updated ynab
    * Laundry hung up on airer
    * Washed dishes
    * Meals at home from stores
    * One survey completed - nothing else around!

    Hope everyone has a lovely evening and Happy new Year, H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
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