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Learning to budget to make future adventures happen

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  • doingitanyway
    doingitanyway Posts: 9,962 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 19 April 2017 at 12:22PM
    Morning diary,


    I am a fellow migraine sufferer. Get better soon
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Evening all!

    Day 3 of detox and I'm feeling sooooo much better. I even look brighter! I think it was my coffee habit that gave me the migraine rather than eating as I don't eat lots of carp. Today I started to reintroduce things so tried some oat cakes at lunchtime and Didn't feel any negative effect. Going to have a goats cheese salad for dinner and see how that makes me feel. I KNOW I need to avoid wheat and I'm also going to food combine now as I thinks that's the main problem for me. Thanks for you best wishes and I definitely recommend a detox!!

    In other news husband found a contracting job online, applied for it and got a really positive response from the agency and he is going to meet them in London next week. I'm pleased for him because contracting work is so much more exciting than what he is doing and he would be really good at it. However it means either a commute to London (1.5hrs away from us in train) for most of the week so late nights home or staying away from home a few nights a week. It would also mean he would be paid daily which I don't quite know yet how that works and also things like sick pay etc I'm not sure how that works. But the pay is like double what he is on at the moment so that's what he's in for.

    Lots of food for thought. I like the stability of his current job but know he is bored and would like to do this while he is still young (ish - 36) to get lots of experience in his field.

    Hmmmmm don't fancy him away a lot though.

    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Morning all

    Feeling the side effects of my detox. Loads of ulcers on my tongue and my tonsils are swollen. Been going on for a good 4-5 days now. My tongue is swollen and I'm having to take ibuprofen every four hours to keep the swelling from scratching my teeth - very sore!!!

    Not a very happy crunchy. Holding out for Friday when we will become loan free!!!!

    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    I need to wean myself off the diet dizzy drinks but give up around day 2 because of the heachahes so well done for sticking to it xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    My dearest DFWs,

    It has happened! We are officially 'LOAN FREE!!!'

    If my emojis worked there would be loads right now! I can't tell you what a relief it is to be typing this.

    Back later for further update as DD has just woken up from her nap.

    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Woo hoo congratulations on being loan free xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    That is awesome news, congratulations!

    I'll look forward to seeing your signature update :)
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Congratulations Crunchy! You've been amazingly focused on this day and I'm so pleased for you that it's finally here :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Evening all!

    Currently on my 2nd glass of wine and feeling very merry!

    It hasn't properly sunk in yet that we are loan free but I'm sure it will over the next few weeks or so! Just been doing a bit of banking and its going to be tight for May. I've had to put some money way for swimming lessons for the autumn term as I'm hoping DD will get a place although DS will be the priority. We have got some lovely plans though - Legoland in a couple of weeks time and a local boat trip next weekend. I've told the husband that we are not spending any money this weekend - just petrol and maybe £10 for swimming on Monday if we get bored. We have loads of sorting out to do of the house and errands to run so its going to be that sort of weekend for us which is fine and lovely.

    This summer we are going to...

    Legoland £225
    Center Parcs - £750
    Cottage holiday - £650.Payment for these will need to come out of my money since it is now the adventure fund! Woohoo!!

    Other than 3 NSD's for this weekend I'm hoping for a minimal nursery bill for DD on Tuesday/Wednesday since we have paid for £366 of childcare vouchers this month and our bill will be circa £385. I'm hoping to get change from the £400 I have saved to pay for Legoland.

    Not getting complacent is the key. Paying off the loan means so much but we have to stick to the budget to make sure that future adventures happen.

    Happy Bank holiday weekend y'all!

    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • louby40
    louby40 Posts: 1,602 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done! What a great feeling! Enjoy your wine and weekend
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