Muchin's diary of recover; becoming debt free and being happy

Munchin

Hi all

I so need to get my butt into gear this morning. I have to marshall at a cross country today and I need to be away in 20 mins. I haven't even got to the shower yet:o

I've had an ok ish week. I've just had a lot of carp thrown at me but Mon is the start of a new week and I'll just have to be more positive.

I managed to make it to the gym twice this week (yeah me:D), I'm trying to build up the strength in my knee and it's slowly getting there. I've decided to have a pot for gym membership as at the minute its £2.50 each time and then after 12 weeks its £19 a month direct debit.

Monday is pay day :T so will have to do a calculation on how much I can put into each of my money pots. I've got to put money aside for car insurance but after this month I can put more towards car loan. I could just put this money into savings and contine to pay off the loan each month but I really really want to be debt free by the end of the year.

Other plans this week ....mmmmmmm... not much yet but it's only the start of the week. Away to control a crowd of kiddies and their parents.

Munchin

Morning all

Sitting in my own house drinking coffee and planning for the day ahead. I was at OHs last night but went to mass this morning and usually I would go back to his. However I thought sod it, my house is brighter, warmer and I can get my bits and bobs done in peace. OH will probably only be getting out of bed now. It's really hard because I want to talk to him about how I feel - generally fed up but I have a masters in bottling my feelings up so instead I'm avoiding him:o

So have done the calculations for this month and it's still doable but tight. I have 4 birthdays:eek: coming up and no matter how much I whittle it down it's still going to cost me £40 out of my budget.

I'm going to put £40 in my swimming/gym pot but shouldn't need that much and then everything else has to come out of £150 for the month. Yikes it's going to be close.

I also have to pay my car insurance and I'm only guessing what that will be however next month I should know what my new rates are and I also won't have to find money for insurance. As I'm a civil servant I have to contribute more to my pension from April which I think will be an extra £30 going out a month. It's all money:(

I've done my ironing this morning and I just need to get my workwear, gym bag and lunch ready for tomorrow morning. I'm out for lunch with girlies and am going to take a half day:T

Munchin

Hi all

Where on earth does the time go to? Well things are good on the Munchin front - next Mon (12th) will be 6 months ED free:T which is great as I never thought it would happen. After Mon the next aim is a year free and then eventually I wont have to think how long it's been and it will just be a normal part of life:D.

I'm having stomach/bowel (too much info:)) probs at the minute and I'm not sure if its linked to messing with my body previously or it's something new. I look pregnant and I'm not. Hopefully it will pass.

I'm trying to be good and drink more water but it's not easy. If only I could substitute water for wine then it would be so much more enjoyable:D

I was a tad spendy today. I've got a function thing tomorrow night and I have a dress that I wore at Xmas but had to buy tights today which were £3.99 which isn't bad but I ended up in Primark and spent £10 on work shirts. Not bad but I was trying to be good:o.

I took nephews to the Muppets at the weekend and I thought it was pretty bad and even the kids weren't that fussed with it - v disappointed.

I'm stilling going to the gym and I even made it swimming this morning and felt all virtuous because of it. One elderly guy was so helpful as I'm not the fastest swimmer and he was giving me sound advice.

Plans this week involve getting a free meal tomorrow and keeping my fingers crossed that we don't win any prizes so that I don't have to go up on stage and collect them. I'm Friday and have no plans apart from sleep.

I need to go buy my sis in law a birthday pressie and visit her and that is my weekend mapped out. I also volunteered to look after nephew no 1 most of the weekend so I really should have taken Monday of to recovery.

Ok enough ramblings and I'm away to check out other diaries.

Happy budgeting everyone.

Munchin

Hi all

Yeah it's the weekend :j

I went to our club function last night and it was lovely, we didn't win any prizes:D. We thought we were nominated in 1 category but we were in 4 which was a great compliment.

Food was delicious and craic was great.

I was at the gym this morning and then popped round to OHs to get a head start on the weekly clean up and then I pootled round the shops with Mum.

I bought lunch at £8.40 and spent £8.99 on sis in laws birthday pressie. I know I haven't been good updating my diary on here recently but spends are still being tracked in my trusty notebook.

I got a letter from my car insurance company about paying for breakdown cover which I don't need as my brother is a mechanic so now I am just waiting for the insurance quote. I might have to hide behind a cushion when I open that one:D

I've booked 2 nights away to a nice hotel in April for myself an OH. It's his birthday so looking forward to it.

Ok it's friday night and time to put on a bit of make up and hit the road

Have a lovely weekend everyone

Munchin

Hi all

Today has been a carp day:(

I have been wanting to talk to OH for a long time about how we've drifted and don't seem to be going anywhere. I have broached the subject but not got anywhere.

Today I finally decided that no matter what happened I had to speak to him. Anyway I blurted out my feelings this morning and I tried to be dignified and eloquent but ended up crying and gibbering:o

All OH said was that he needed a smoke and then he ignored me so I went home. I thought that it was best if I left the ball in his court but I couldn't stand the silence so I rang him but he didn't answer.

I know I've done the right thing and he either rings and says he loves me or he'll ring and say it's over but I wish he would just ring. If we are finished then I'll be devastated but we can't go on as we are.

Thanks for listening and shares in Kleenex have just shot up:o

Munchin

Men!!! well if you know me I can't stand an atmosphere so I rang OH on Sunday night but he didn't answer the phone. I new he wouldn't answer but had to try.

Last night I texted him just to say that I loved him but could he understand my point of view. Anyhow he came back with saying he was ok but he was annoyed that I had ruined his last sunday off before his shift moves to Sundays and he had enough pressures in his life. However he couldn't be without me.

So my emotional outburst ruined his day. You have to laugh or you would cry.

Munchin

Hi all

Well no word from the OH. In his text he said that as he had a lot of work on he didn't want me to come round this weekend but that I shouldn't take that as a snub. I've not heard from him since and I am NOT texting him again. I know that after this shift (Tues)we have to talk but he has made it all very awkward with not speaking to me. I've gone from being tearful and upset to very peeved off indeed:mad:. My girly friends have been great and I'm not to contact him at all.

Today has been a spendy day:o. I went shopping for my Mum's combined mothers day and b'day present. My best friend has just had twins and 2 of my nieces have birthdays next weekend.:eek:

So I bought Mum shoes in M&S which were £35 but I had £30 in vouchers. 2 baby outfits in M&S = £36. Niece number 1 was £21 in Next and I'm giving niece number 2 money £10. As I'd spent quite a bit I thought sod it, life is carp and so I bought my self some trousers at £35 but they will be worn. So that's a spend of £107:eek:

So I'm sitting here typing with a glass of wine beside me and my Mum in the corner. Hopefully this isn't my future:D

Tomorrow I'm helping out at an event and that should be good craic. My sis and her sons are cooking my Mum a dinner for Mothers day which means I also get fed and watered.

Have a good day everyone

Munchin

Morning all

Well it's 10.30 and I've already been to the gym - polish my halo please:D

I have the day off as it's a bank holiday here and I'm going into my bedroom soon and fighting my way into the wardrobe for another clear out. Well I'm concentrating on shoe collection. I never throw away shoes and to be honest a lot have seen better days. I'm also going to see what I actually have:o You know what happens - they get fired into the back of the wardrobe and then are forgotten.

I saw an advert for a local triathlon team which looked interesting but my knee is dodgy so can't run, I'm not a great swimmer and I don't have a bike. I easily get swept up in these notions and then have to talk myself out of it.

I've also spent this morning checking out car insurance quotes and I know that I have enough saved up to pay it off in full if it is around £400 but that leaves me with nothing to spare so I think I will pay it off monthly and build up some savings for next year.

I just wish my insurance company would send me the quote and then I can get the shock over with.

So today's plans -

• sort out bedroom;
• organise shoes;
• pick up nephew no 2 from school;
• visit cousin with baby present.

Sitting here is not getting much done so I'm better make a move

Munchin

Morning all

I managed to get all my tasks done on Monday and my shoes are now sitting on a nice shoe rack which makes me think I need more shoes to fill the empty gaps:rotfl:. I was quite ruthless as some were done but I held on to them 'just in case' so they got binned.

I'm sitting here typing this in OHs house. We really haven't spoken for 2 weeks and then I rang him on Thurs night as I can't stand silences and it was all very stilted. I came here last night and the house was sparkling, dinner was ready and although we haven't totally talked about my outburst the other week we have discussed buying another property together as a joint investment. Today I'm going to sit him down and have the TALK. I won't pin him to the wall and ask for a diamond but set out what I want and see if we're thinking along the same lines.

I'm soooo skint this week and I can't wait to pay day to get my budgets sorted. This weekend was very spendy as I had so many birthdays. I think I'm going to my nieces today for a birthday party but I'm not too fussed. I'm heading out with the girls tonight which should be great fun. I need to make sure I mix non alcoholic & alcoholic drinks as I'm too old for hangovers.

Tomorrow I have no plans except cleaning the house, buying the sunday papers and generally just vegging.

Hope everyone has a great day.

Munchin

Oh dear, where did my promise go about alternating drinks?? . It wasn't so bad after a couple of aspirins. I had a fantastic night but a bit less wine next time.

Today was uneventful. OH is working so I tidied the house. Bought the papers and then sat out in the sun drinking my tea.

I was checking out my budget today (roll on pay day) and I've set up 2 standing orders to my saving accounts - 1 is to pay off my car loan early and the other 1 is to get money together so that when life throws me unexpected things i will have some money to cover them.

I got my car insurance quote yesterday - £526:eek::eek: however I've already got a quote from the Post office for £444 which is still bad but not as bad:)

I also checked previous rates statements and they usually send out the rates bill the first week in April. I just want to know what the damage is and budget.

I need to get my stuff together for tomorrow but until then I'm going to google some holidays.