Dreaming of a life after debt

Seasidegal58

Sorry to hear of your sleep problem Munchin. I'm afraid I can't give any useful advice as I'm one of those people who falls asleep as soon as their head hits the pillow! Perhaps start a thread on the "health and Beauty" forum for some advice?

SSG x

Munchin

Thanks SSG, believe it or not I’m a bit like you regarding sleeping. Out like a light & an earthquake probably wouldn’t wake me which is why it’s so frustrating at the moment. Hopefully after bake off I will be nice & relaxed and sleep 💤 .

PAD is teeny today - 97p but it’s a payment. I think I will just update PAD thread at end of month.

Friend bought lunch today but I spent 80p on croissant - tired equals stodge & then had to battle to not be sick. It will all be good tomorrow as I will have 8 hours sleep and wake up feeling amazing

Munchin

Evening

PAD today - £7.66 from Topcashback. I’m frustratingly close to a payout from Prolific but of course no surveys today.

I spoke to an elusive Welfare officer in work today & my case for consideration to be moved closer to home will be considered next Wed. Must admit I’m enjoying work now but I’ve got to think long term.

I spent £20.06 on groceries after therapy this evening. Have food diary to keep .. blah..

Munchin

Hi

PAD today - 64p which is just a rounding down of my bank account. Swagbucks done but no Prolific studies today.

Popped into M&S for something nice for tea & spent £12.25 but had a £10 voucher , so only cost me £2.25. They were giving out tasters of their chocolate truffles (dark & milk) so I just had to stand & sample both & purely for research purposes the dark chocolate truffle did it for me 😂.

Discovered today that my work does a discount card thing for various retailers including Mr Stresco & you get 6% off your shop. A bit more investigating is required.

Work colleague has also managed to get me into the work yoga class tmw morning. I’ve been on a waiting list for ages as it’s held in a large meeting room in work so places are limited. However tomorrow is a sampler & hopefully they will have space in future classes.

On train home now so first early escape since I went back to work after holiday.

Seasidegal58

The discount card sounds well worth investigating Munchin - especially for grocery shopping!

Munchin

Hi SS - it shows its good to talk with colleagues, it's tea time now so will investigate the discount.

I have applied for £5 from Swagbucks this morning which will go to my PAD account. I'm going to make a monthly PAD payment to my credit card in addition to my usual payment. I'm already up to £17 on the PAD front. I closed my First Direct Account last night as I don't really need it and I thought it would be easier for me to have all my salary in my Nationwide account. Spent ages waiting to speak to someone but they were lovely and friendly.

I attended a free yoga class this morning in work. They don't have any spaces yet for me to attend regularly but I should be able to attend the odd one when people drop out.

OH was so down last night so I made him a really nice dinner (I surprised myself), and had the fire on so that he wasn't coming home from the hospital to a cold, dark house. Still no improvement with his brother and it's one day at a time.

Plans tomorrow -

• yoga
• possible run with C25k peeps
• Vegan festival with sister (we're not Vegan but our friend is...not sure if I have to check I'm not wearing any leather etc)

Have fun.

Munchin

Morning,

Ok yoga is scrapped from my plans this morning as we are getting an earlier train up to Belfast but the pup 🐶 & I will go for a wee run in the forest instead.

Xmas confession - I bought my first Xmas pressie this morning :rudolf: it was the boots Yankee candle set which is down to £30 but I used £5 voucher & topcashback.

Spends front - going ok. As my therapist says ‘I have to find balance’ and not be so all or nothing. Could do with more money in the month . NSD yesterday but today I will have a few spends at the vegan festival & will pop into St. George’s market for a nosy. I also have to give my friend £45 for my hotel stay in Nov.

Wee small PAD today of 65p.

Munchin

Ok I’m wild early but this is the Xmas list :snow_laug

Christmas presents

Mum - asda gift voucher (£150 - pay £20 per month) + Yankee candles
OH - £50 (was told to limit pressies)
Sister 1 - £20
Sister 2 - £20
Uncle - £20 (jumper)
Work chocs - £10
Work Xmas dinner - Paying monthly
Nephew 1 - £30
Nephew 2 - £30
Niece 1 - £20
Nephew 3 - £20
Brothers families - £40
Cards & wrapping - £10
Odds - £50

&
Niece birthday - £10
Sister birthday - £20

Total - £350

Not counting Mum’s Asda voucher & Xmas dinners as I pay these monthly. I have £500 in Xmas fund which covers more than Xmas,now the issue is planning on what to get everyone ...

Hiddenidenity

Are the nieces and nephews small ones? Argos 3 for 2 maybe a good idea Saves a bit extra too. Also I use to always use boots 3 for 2 for family gifts, sometimes the star buy is good for the 'bigger' type gifts too

I hate buying gifts for anyone and now I usually do a giftcard (even if it isn't from a survey payout )

Seasidegal58

I’ve started on the Xmas pressies as well. Vegan Festival sounds interesting - do tell about it!