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

Munchin

Morning:D

Today is my first day back in work since last Wed. I didn't sleep very well as I was worried about sleeping in. Yesterday was quite productive on the money front - ok i didn't make any but I managed to cancel 2 direct debits that I didn't need.

I returned £33 of clothes to Next which I bought in my down phase and which I didn't really need or suit me.

I did pop to the shops but they were necessities (sort of). I went to my local grocery shop and spent £8.37 on necessities (salad, bread chicken etc) and then I spent £4.72 for my Uncle who is in a nursing home.

I visited him yesterday and he was at a hospital appointment so it was a bit of a wasted trip - I did leave him the chocolates:)

Time to get ready for work & then circuits tonight.

Munchin

Morning world:)

I should be heading into work but I'm procrastinating:o. I think I will hear about the results of my interview today which I know I blew but you never know. I don't want to be waiting at my desk for the dreaded phonecall while everyone is watching.

So on the money front I cancelled another standing order - I'm on a role. I think that because I felt I had a bit of extra spare money I could relax the hold on the purse strings but I really can't. I have a holiday in Turkey to save spending money for by Sept. I want to go to Italy in Oct with friends and my sister wants me to visit her in England at the end of Oct. I want to do something fabulous for my 40th as I will be ED free for over 2 years and debt free for the first time since I was about 18:o.

I really need to be budgeting. I've said before that when I'm debt free I want to visit more places. I should be debt free in Sept but the above needs to be bought and paid for before then.

Ok time to get dressed and hit the road.

Munchin

Hi all

Ok I fell off the radar a wee bit but back again. I've been a bit ill but on the mend again:). A bug was going round work the last few months and I've managed to avoid it for a while but it got me in the end.

Well I got the expected news on the promotion:( but then I got really good news. Although I wasn't high enough on the promotion list this time I'm next on the list so I should be on the move within the next 6 months:j. My hands were shaking when I read the letter. I really thought I had blown the interview and it will finally be a decent pay increase. However I have to settle myself as it could be Xmas before I hear.

I have had a massively spendy day but it was all necessities. I spent £125 on car tax and £126 on 2 new front tyres. I have £22.12 in my purse to do me until Wed when I get paid. I have to go to the dentist on Monday and go back to the tyre place as well as the alignment on my car feels a bit wrong.

So that is a quickish update and I've paid another £60 off my debts - slowly but surely:)

Munchin

Morning world:)

Still not feeling 100% but not as bad as I was. This is great for the budget and for weight loss as I can't be bothered going near the shops and I'm only eating because I have to rather than because I fancy food.

I did get round to having a massive clear out yesterday. I went through all my papers and tidied them up and binned loads of papers that were out of date and no longer needed. I tidied up my room and changed the beds in the house. I then sat down shattered

My sister is visiting today and is going to colour my hair. I bought the dye ages ago when it was discounted. I have no other plans except to read papers and hopefully I will be grand for work tomorrow.

Munchin

Oops forgot to put down my budgets for July (get paid on Wed) -

General (food & odds) - £200
Kid's swimming - £30
Hair & beauticians - £60
Diesel - £180
Presents - £50

Beauticians is high this month as it is my best friend's birthday and I want to get glammed up for it:). I have 2 birthdays to buy for as well.

Munchin

Morning world,

Back to work yesterday and my stomach was still feeling a bit tender but settled down last night. I went to dentist in the morning for a check up and clean and that cost me £19.96. The dentist were trying to get me to sign up to a dental plan with monthly payments but as I don't tend to need treatment I will ignore them.

I popped back to the garage & had my tyres realigned yesterday morning - so I was very productive before I even got to work. Last night I went to circuits and after that I met a friend and she gave me £30 for my old diet stuff which I was going to ebay eventually...:o. I told her I didn't want a penny but she insisted - so I'm £30 richer.

Today I'm hoping to go for a run after work. I don't plan on spending any money today but you know about my best laid plans.

It's time I hit the road. Have a good day everyone:)

Munchin

Hi all

It's pay day today and I've been to the bank this morning and will pop my money into the designated envelopes for the rest of the month.

I went to Tesco on the way into work as I was out of some necessities - deodorant and hair moouse being the most important (at least for those sitting beside me:rotfl:) and stocked up on groceries - £22.65 spent.

Plans for the month - July

Grocery budget: £22.65/£150
Odd budget: £xx/£50
Debt repayment: £ /£200
Savings:£ /£150
SFDs: 0/20

I think this is also a 5 weekend month which is usually very painful:o.

Munchin

Hi all

I had a few more spends this evening.

I bought coffee/biscuits/milk for work so will be claiming that all back. I spent £4 on nephews Karate lesson, £3 on treats for family £3.29 wine. I got £7 change from the shop and they included a £2 coin so that goes in the savings pot:).


Plans for the month - July

Grocery budget: £0/£100
Odd budget: £0/£40
SFDs: 0/20

I had a very sad evening. I went to the wake of a family friend and obviously I wasn't looking forward to it. However it was nice to see family even under those circumstances. I had a bit of a munchy time when I got home - emotional eater.

Anyway 2 days until the weekend.:)

Munchin

Morning world,

I stopped at Mr Ts this morning. I really must stop this and spent £9.95 but will round this up to £10. I know that I will probably be getting a take away tonight for myself and OH - so that will be more money gone.

However on a positive note - I have just put £50 into my Xmas savings and I have £300 in that pot now

Munchin

Hi all

I've joined NSKs July challenge. I really need to get motivated and I'm nearly there . My DFD is going to be 28 August 2013. I need to find £550 over July & August. My sister owes me £50 but I'm not going to count this as it may be a while before I see it.

I had a great weekend with OH but he is working today. He is on leave next weekend and we should be able to do something like go for a hike. I watched F1 today and it was fascinating waiting to see if anymore tyres were going to explode.

So with NSKs challenge - I need to have a declutter, achieve 20 SFDs & declare when my DFD will be.

I have plans out this month. I'm going to a friends birthday and need to buy her a pressie (something nice but cheap) and it is also my nephews birthday and again it will be something nice and cheap. Apart from these 2 spends I don't have any other extra plans.