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

Munchin

Hi all

I had a wonder round Next yesterday to see what items I would like for my new job if I got a VIP invite to the sale but I didn't get one so that saves me spending any money.

I've been plotting and planning this morning & I have a new savings plan - once I pay of my kitchen in Dec. My car has 130,000 miles on it and with my new job it is going to go up a lot more (no bus or train service at all - downside to living in country:)) so I'm thinking long term and I need savings to buy a new car. I was looking at loans last night just to see what the interest would be (absolutely no plans to take out a loan) and I reckon that over the next 2 years I could save up enough to buy myself a car and have some money left over & not have to pay any fees. I know it is only July but I love a plan and the way this year is going it will be over in no time.

Check in daily: 13/31
SFD 9/15
Groceries £105.41/£110
Odd 20.95/£65
Petrol 40.01/£120
Exercise 3/25
Illegal items (clothes/beauty/shoes): 0/0

Greying_Pilgrim

Hey Munchin just popping in to say Hi!

Wow! Good idea re saving for the car. Think of the interest you'll save

Great to see you full of positivity

Greying

in_need_of_direction

Hi munchkin, are you aware that the progressive is offering 2.75% on a regular saver isa? You can save a set amount per month from £50 to around £1200. One condition is that you need to be resident in NI.

Munchin

Morning all

Back to work today ....sigh.....

Greying & INOD - thanks for popping by and I hope my positivity lasts . I didn't know about about the Progressive and generally most deals affect the rest of the UK and exclude NI so it is nice to see a deal for us. I will have a read when I come home from work (or during work as I don't expect to be busy today:)).

I started using YNAB and I've noticed how much I fritter on food. Part of it is just laziness but another part is a reaction to any food planning - post ED hangover when meal plan equals diet equals freak out!!!. I need to get a handle on that and start doing weekly meal plans that I'm not 100% tied to but helps use up food and save money.

I also need to do some exercise, yesterday I pottered in the garden but I didn't really work up an appetite. Holidays in about 9 weeks so I need to do something.

Have a good day everyone:D

Munchin

Morning all

I've been up since 6am when I didn't need to wake up until 7 - oh well back to normal. I used my time to raid the holiday clothes drawer and most things fit:). The things that don't fit never really did and I was planning on slimming into them at some point so I am going to ebay them.

I managed to avoid shops yesterday but I need to stop for petrol today as I'm driving on fumes.

I'm also returning 2 parcels today which I hope are accepted as today is the 30 day return deadline. I'm hoping that as they are going back by connect + then the tracking starts as soon as they are handed into the shop.

I'm on leave tomorrow and going to the beach with my family. It is supposed to be a wet miserable day..typical ..which probably means more money spent in doors. Hopefully the sun will pop its wee head out for a bit and keep the costs down.

Roll on 5pm.

Munchin

Hi all

Ok today was seriously spendy and it isn't even 10am .

First of all, yesterday was so much fun. I went to the beach with mum, sis and nephews & just had a great day with minimal arguing:). We spent time at the amusements - I cannot cope with the noise and then went for lunch which was £30 for 5 people. We finished off the day with an icecream on the beach - it wasn't wet but it would be classed as bracing - the boys didn't seem to notice or mind.

I also think I got caught speeding:(. I was doing 68mph when I was overtaking someone when I saw the speed van. I thought I was fine as it was a dual carriageway but now OH says that I was on a piece of road that is part dual carriage way and part overtaking road and part ordinary road. I think I was on the overtaking part which would have been 60 grrrrrrrr. I've never been caught speeding as I'm quite a sedate person honestly.. I will know in the next 2 weeks.

So lets move on to the spends....I blame NEXT I'm starting my new job next month and need smart clothes. I wasn't going to go to the Next sale as my size is always sold out and most of it is junk. I decided when I woke up early to go anyway and for once it was a great sale and the stuff I had earmarked earlier was all there and in my size. I spent £195 but I'm returning £46 so I've spent £149 and then I have £20 of Next vouchers = £129. I have a new suit, trousers, 3 tops, 1 cardigan & a rain coat. The only thing I need now is shoes and maybe a black cardigan which I can get from Primark.

I also did my grocery shopping when I was out but it was a bit half hearted as I was coming straight from Next.

Check in daily: 16/31
SFD 11/15
Groceries £127.41/£110
Odd 40.95/£65
Petrol 90/£120
Exercise 4/25
Illegal items (clothes/beauty/shoes): £129

Seasidegal58

Hi Munchin. I've read your diary through today and how entertaining and inspiring it is! You are such a lovely auntie and I think you've done so well in trying to conquer your ED. Makes me and my on-off attempts to lose weight and get fit quite useless! So I shall take inspiration from you going forward!

Also loved the winter to-do list you posted back in 2012 I think it was. Shall pinch that for this winter.

I've added your diary to my subscribed list. It's gradually building up as I go along. And I really enjoyed reading yours today. And will pop in from time to time if you don't mind!

dawnybabes

Must be something in the water as I've also read through your dairy today.

You're going great guns :-)

Munchin

Morning Seasidegal & Dawnybabes - thank you for your lovely comments and reading. I always feel like I'm 1 step forward & then 2 steps back with my life/diary but I suppose we are all like that .

Seasidegal - I need to dig out that winter list soon as I know that it is still July but we seem to be hurtling through the year.

I'm returning my Next raincoat as OH said he's going to buy me a "proper" raincoat. He's really into quality clothing & outer layers - I don't think we're heading up Everest anytime soon but if the opportunity ever came up we'd be ready:rotfl:.

Yesterday was a clean the house from top to bottom day:). Once I had that done I spent time sitting out in the sunshine with a book. Ok the sun was here for about 5 mins but I made the most of it. I don't have a lot of plans today - OH is working so I get to pootle a bit and see my sister.

Budget - £97.89

Munchin

Hi all

Plans for today were to basically do very little however I'm not so good at that. I'm home now and I have a list of jobs so writing them here to make sure I do them -

• polish & hoover living room
• clean out bathroom:(
• hoover hall
• ironing
• tidy up my room
• cut front of hedge.

The hedge was cut with a tractor yesterday but there is always the bits it can't get to. Ok that will keep me out of trouble for a few hours:D