Munchin's Marvellous Debt Busting Diary

Munchin · 2 October 2018 at 7:59AM

Morning :wave:

I've decided to start a new diary as the old one was about trying to stay debt free when I had finally cleared my debt in January this year. Over the course of 3 diaries I have paid off £26,000 (approx) debt but unfortunately I'm back in debt...again

. I know there probably doesn't seem to be any positives to debt but the difference now is that I have things to show for it. I've roughly calculated that I have (or will have) £6,300 worth of debt which is due to my credit card debt and I am in the process of getting a new bathroom in my Mum's house. I know the debt wont be more than the above figure but it will be close to it. I will update my signature with the total amount once I see the bathroom people on Saturday to confirm.

In my last diary I wanted to focus on my savings and I still want to do that but realistically they will be curtailed as I want to be debt free by the end of 2019. I do have a savings policy maturing in 2019 which will be just over £3000 but I would like to keep that to really boost my savings pot. For those that know me ..I am such a fritterer...oh shiny bauble ...must buy BUT no more!!!!!

This diary is going to be my attempt at a spending fast and to change the bad habits that keep dragging me back into debt.

I still have the following aims for 18/19 -

Debt free by end of [STRIKE]2019[/STRIKE] 2020
An Emergency fund for a rainy day - target £6,000.
A dream trip ...I had hoped for the Maldives but it is now looking like Sri Lanka as I have friends there.

As I said in previous diaries in the months ahead my diary will continue to be about penny pinching….probably giving off to myself about frittering and mainly about getting my debt cleared.

In the words of so many MSE'rs please pull up a chair, bring the Jaffa cakes and offer helpful advice (tell me off please

).

Homegrown0 · 2 October 2018 at 9:18AM

Hey! Just stopping by with some support on your new journey

Your holiday sounds fantastic!! Great goal to work towards!

HairyHandofDartmoor · 2 October 2018 at 12:53PM

I've subscribed Munchin.

Munchin · 2 October 2018 at 9:40PM

Hi HG & HHD

So I had a funny strange start to the day. I was putting on my make up and my nose just started to bleed. I've never had a proper nosebleed in my life. Typically it happened when I only had 5 mins to spare. Cleaned up and out the door with seconds to spare but my sinus feels sore.

So no frittering today but I did spend £15 on vets fees ….I thought I got off very lightly last week when I took the pup to the vets. Thank goodness he got a clean bill of health and it was money well spent. I paid £30 for diesel and £1.39 for washing up liquid. I knew that liquid was all I needed so that's all I got....go me

.

I was at yoga tonight so tired and ready for bed now (5.30 comes very early in the morning). I will have to pay out £40 next week for the next block (6 weeks) but so worth it for mental health.

Weekly spends - w/c 30th Sept

Sun 30th - NSD
Mon 01st - NSD (1)
Tues 02nd -£30 diesel, £1.39 washing liquid & £15 vet.
Wed 03rd -
Thurs 04th -
Fri 05th -
Sat 06th -

Total - £46.39.

beanielou · 2 October 2018 at 10:12PM

Happy shiny new diary

Lilith1980 · 3 October 2018 at 5:50AM

Hey, found you and subbed

Munchin · 3 October 2018 at 5:44PM

Hi Lilith - glad you found me

.

Today I finally got back into doing surveys and managed to do 1 Prolific survey - 65p

. I'm still not a fan of Swagbucks but needs must.

I had an NSD today but I'm out to dinner with ex colleagues tomorrow night which is a 6 monthly thing and will probably cost about £20.

Weekly spends - w/c 30th Sept

Sun 30th - NSD
Mon 01st - NSD (1)
Tues 02nd -£30 diesel, £1.39 washing liquid & £15 vet.
Wed 03rd - NSD (2)
Thurs 04th -
Fri 05th -
Sat 06th -

Total - £46.39.

GlendaSugarbean · 3 October 2018 at 5:50PM

Happy new diary!

Munchin · 5 October 2018 at 7:41AM

Surveys @ 05 Oct

Swagbucks - 361 SB (800 SB = £5 paypal)
Receipt Hog - 275 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)
Topcashback - £0.10 payable
Prolific - £3.23

Budgets- w/c Sun 30th Sept 18

Grocery/Food - £80pm/£22.24 spent
Eating Out - £30/£22 spent
Fuel -£80pm/£30 spent
Household -£20/£14.99 spent

Weekly spends - w/c 30th Sept

Sun 30th - NSD
Mon 01st - NSD (1)
Tues 02nd -£30 diesel, £1.39 washing liquid & £15 vet.
Wed 03rd - NSD (2)
Thurs 04th - £22 dinner out & £11 M&S groceries
Fri 05th - NSD (3)
Sat 06th - £9.10 groceries

Total - £88.49.

Munchin · 5 October 2018 at 8:02AM

Morning

Last night I was out for dinner with my ex work colleagues and it was such a good night with lots of chat and it was kind of a cathartic experience. I was able to relate some of the work issues I have currently and I knew this small group totally understood. I don't normally go for desert as I never have any room but I had a gorgeous chocolate brownie which came with, custard, chocolate sauce, ice cream and cream ......hung for a sheep as a lamb:D.

OH & I are going to see Joanna Lumley tomorrow night as part of her tour. In my previous diary I was attending therapy for eating disorder issues although I have been in recovery for about 8 years but I do have the odd wobble now and again. The reason I'm mention this is that the therapist asked where the 'fun' was in my life....funny you don't notice when you start to insulate yourself and not venture out SO the upshot is that I meet friends more ...I book wee nights out with OH. Tomorrow night is Joanna Lumley and next week is LUSH in the SSE arena

. LUSH classical is dance music performed by an orchestra, should be fun. I try and say yes more when my instinctive reaction is to pull the duvet over my head...though sometimes that is the necessary and enjoyable action.

Tomorrow Mum, my sister and I are heading to see the bathroom people to finalise the tile choices etc for the bathroom and work out the final cost. They would like 50% up front and the rest once the job is done which seems reasonable. I used to live in London many moons ago and the one thing I appreciate about being home ( N Ireland) is that I know the reputation of the local tradesmen and I don't worry so much about being ripped off or shoddy work.

Sister (in England) texted last night to let me know she will be home with wains for Halloween. Hopefully the bathroom gods will be smiling on me tomorrow and the work at Mums could be done before she comes to visit.

Plans tomorrow - volunteer, bathroom & tidy.

Money front - £2.74 earned on Prolific this morning and 1 of the surveys was about consumerism and spending habits.. right up my street.

Munchin · 6 October 2018 at 12:50PM

Morning

Volunteer thing done and bathroom ordered....go me

. Deposit of £2,000 paid and the rest will be paid at the end of the job. The bathroom gods were only semi smiling as no mission of getting bathroom before Halloween but we should have it by Xmas

I went to my volunteer thing and it was over a lot sooner than I had thought and then popped into Asda.

I have an interview for a job on Monday which I found out about yesterday so need to spend part of today preparing for an interview. I'm not sure if it is what I want but at least it will get me away from my current work situation which is quite stressful, no harm in trying.

I have an ironing mountain to tackle today but I'm doing a great job of procrastinating.

I'm out tonight but hopefully OH will pay for parking and will drive as I bought the tickets. Tomorrow we will hopefully be heading to the beach for a nice dander.

Munchin's Marvellous Debt Busting Diary

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