Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Munchin
    • By Munchin 20th May 19, 1:07 PM
    • 2,620Posts
    • 8,533Thanks
    Munchin
    Munchin's moseying out of debt diary....again
    • #1
    • 20th May 19, 1:07 PM
    Munchin's moseying out of debt diary....again 20th May 19 at 1:07 PM
    Afternoon

    I've decided to start a new diary because I just wanted a clean slate and I aim to be debt free by December 2020 if not before.

    A little bit about myself - I'm single after the end of a very long term relationship but I'm a happier person now. I kept custody of the furbaby (dog) and now live at home with my Mum (at my age ).

    I am such a fritterer...oh shiny bauble ...must buy. I know that each time I get debt free my habits don’t change. I hope they will but I’m quite impulsive and I know I have a good enough salary to cover the frittering but I don’t want to owe anyone any money from now on ‘neither a borrower nor lender be’.

    I would so like this to be my final diary of climbing out of the debt pit and to change the bad habits that keep dragging me back into debt.

    I have the following goals for 19/20 -
    • Debt free by end of 2020.
    • An Emergency fund for a rainy day - target £6,000.
    • A dream trip - Sri Lanka as I have friends there.
    • Start savings towards a 'new to me' car.
    • Start savings towards rewiring house.
    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.

    Debts @ 20th May 2019

    Bathroom loan - total £4,255. I pay £240 to this per month and have 17 months to go, so it should be gone by Dec 2020 (if not before.) At least I have something to show for it.

    Credit card - £1472.50. The CC is 0% and I have no real excuse for it creeping up again. We are having a family holiday in August and I paid a bit extra on the card towards flights and hotel for my Mum & sister's kids. I'm going to pay £150 pm which gives me 10 months to clear (March 2020) but fairly confident it will be cleared sooner.

    Very - £324 - new bed - (pay nothing for 6 months.)

    Total - £6,051.50.

    Can't wait until I'm debt free again.
    DEBT: 1) Loan - £3,999; 2) Credit card - 1322; 3) Very - £274.

    Savings - EF -£200 / Xmas - £xx / Holiday £1,800

    Weight loss= -24lb lost = 30lb to go/54lb start (target 9st 7lb)
Page 1
    • Munchin
    • By Munchin 20th May 19, 1:09 PM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    • #2
    • 20th May 19, 1:09 PM
    • #2
    • 20th May 19, 1:09 PM
    May budget ….very squeaky

    Groceries - £30/£1.09
    Dining out/fun - £40/£
    Everything else - £26/£
    Diesel - £40/£

    Weekly spends - w/c 19th May

    Mon - £1.09 milk
    Tues - NSD
    Wed - NSD
    Thurs - £4 Tesco groceries & £35 diesel
    Fri - NSD
    Sat - £23 Asda groceries

    Total - £63.09
    Last edited by Munchin; 25-05-2019 at 2:36 PM.
    DEBT: 1) Loan - £3,999; 2) Credit card - 1322; 3) Very - £274.

    Savings - EF -£200 / Xmas - £xx / Holiday £1,800

    Weight loss= -24lb lost = 30lb to go/54lb start (target 9st 7lb)
    • SSDD23
    • By SSDD23 20th May 19, 2:09 PM
    • 1,080 Posts
    • 3,287 Thanks
    SSDD23
    • #3
    • 20th May 19, 2:09 PM
    • #3
    • 20th May 19, 2:09 PM
    Good luck I'd been toying with a spending log and this has tipped me over into being convinced xx
    Debt Target #01 - £0/£228
    • Munchin
    • By Munchin 20th May 19, 6:05 PM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    • #4
    • 20th May 19, 6:05 PM
    • #4
    • 20th May 19, 6:05 PM
    Thanks SSDD - just found your diary

    So I thought an NSD was in the bag today but got text message to pick up milk on way home. It might be Wed before I can catch an NSD.

    Knee really playing up today and I have signed up to a 5k race on Friday, hopefully everything will settle down before then.
    • Lilith1980
    • By Lilith1980 21st May 19, 4:15 AM
    • 2,044 Posts
    • 5,969 Thanks
    Lilith1980
    • #5
    • 21st May 19, 4:15 AM
    • #5
    • 21st May 19, 4:15 AM
    Happy new diary
    My debt-free diary
    • Choccygirl123
    • By Choccygirl123 21st May 19, 8:43 AM
    • 690 Posts
    • 2,090 Thanks
    Choccygirl123
    • #6
    • 21st May 19, 8:43 AM
    • #6
    • 21st May 19, 8:43 AM
    Happy shiny new diary! I love 'em especially when DFD only a few months away! Good luck, I'm sure you'll smash it x
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - £69.45 / £500
    • Munchin
    • By Munchin 21st May 19, 9:38 AM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    • #7
    • 21st May 19, 9:38 AM
    • #7
    • 21st May 19, 9:38 AM
    Thanks Choccygirl - I have a fair few months to wait but I will get there .

    I was looking at how I made money before and I'm going back to the surveys...sometimes they really annoy me as I get sifted out quite a few times and now it is coming into summer the Prolific surveys will dry up for a bit.

    Surveys or extra money measures

    Swagbuck - 361SB
    Prolific - £5.29
    Topcashback - £11.12
    Pick my postcode (free).

    I'm sure there are a lot more sites that I can visit but will check round the boards for ideas later.

    • Munchin
    • By Munchin 22nd May 19, 9:56 AM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    • #8
    • 22nd May 19, 9:56 AM
    • #8
    • 22nd May 19, 9:56 AM
    Morning,

    Yesterday finished with me taking nephew to his gaelic training and just enjoying the bit of sunshine between the clouds. It didn't cost any money and it gave Mum a break as she normally drives him to practice.

    I managed to also work closer to home and popped in to see my old colleagues. I had hoped to finish at 3 yesterday but the training course ran on to 4.30...it was so boring and the speaker was incredibly monotonous - how do people like that get training roles????

    Money front - I managed 2 Prolific surveys and have earned £1.63 (if it pays out). Swagbucks hasn't changed and continues to throw me out of surveys on a regular basis. On the positive side I think I'm on for an NSD today. Tomorrow I have a meeting in the city centre and will have to pay for carparking which I can claim back. Hopefully 3 NSDs in a row.

    Volunteering tonight and expect it to be a very late night. Slowly creeping towards the bank holiday weekend
    • Munchin
    • By Munchin 22nd May 19, 10:02 AM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    • #9
    • 22nd May 19, 10:02 AM
    • #9
    • 22nd May 19, 10:02 AM
    This post is just me tinkering with possible debt clearance dates -

    Debts @ 22nd May 2019

    Bathroom loan - £4,255 - DFD - Dec 2020
    Credit card - £1472.50 - DFD - March 2020
    Very - £324 - DFD - Oct 2019

    Total - £6,051.50.
    • Munchin
    • By Munchin 25th May 19, 2:52 PM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    Hi all,

    Mini update as I haven’t really done much today, I ventured out once and that was enough . I went to volunteer thing and then spent £23 on groceries.

    Money front - I managed 3 NSDs this week but it it hasn’t been easy. I did complete 3 Prolific surveys but still hate Swagbucks.

    Pup got his stitches out yesterday and is a totally different dog ...no longer restricted by the cone of shame so we are heading to the forest tomorrow.
    • Munchin
    • By Munchin 25th May 19, 2:55 PM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    May budget ….very squeaky

    Groceries - £40/£39.19 spent
    Dining out/fun - £30/£11.80 spent
    Everything else - £0/£
    Diesel - £40/£65 spent

    Weekly spends - w/c 26th May

    Sun - NSD
    Mon - £11.10 Lidl
    Tues - £30 diesel, 59p milk & £1.80 lunch
    Wed - £10 lunch
    Thurs - NSD
    Fri -
    Sat -

    Total - £53.49
    Last edited by Munchin; 31-05-2019 at 7:39 AM.
    • Seasidegal58
    • By Seasidegal58 26th May 19, 12:03 PM
    • 2,933 Posts
    • 18,644 Thanks
    Seasidegal58
    Found you! Happy new diary!

    Your debt busting plans appear eminently doable and I have subscribed and will be cheering you on as you approach the finish line!

    Hope your knee has improved - take it easy Munchin and enjoy the rest of your weekend.
    x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    MONTHS TO RETIREMENT: 23
    My diary: “Paid off the £31,000! BUT- still scrimping!”
    • Lilith1980
    • By Lilith1980 27th May 19, 6:47 AM
    • 2,044 Posts
    • 5,969 Thanks
    Lilith1980
    Glad pup is okay and survived the cone of shame
    My debt-free diary
    • Munchin
    • By Munchin 28th May 19, 8:36 AM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    Hi SSG & Lilith - Glad you found me .

    So rejiggled the budgets this morning as I needed diesel so moved the money out of the 'Everything else' category. I am owed 2 days travel so hopefully that will help once the money is paid.

    Yesterday I returned sandals I shouldn't have bought (before the lightbulb of the new diary) and then went to Lidl and got groceries. I made a really nice cauliflower and potato soup yesterday and have plenty for the next few days. Of course when I got into work I realised I'm meeting colleagues for lunch today and tomorrow as 2 friends are going on maternity leave. Hopefully Mum will get the benefit of the soup but she might be plenty sick of it soon.

    There is some sort of eagle on the loose near my local town and they are warning pet owners to keep small pets inside...just in case. Kind of a random thing to be watching for when the pampered pooch is outside doing his business .

    I have very little left in the money pots - thank goodness for pay day tomorrow.
    • Groceries - £0.81 - not worth talking about
    • Dining Out - £30 (2 lunches out this week)
    • Everything else - £0 (moved the money from this to cover diesel)
    • Diesel - £0

    Eating front - intermittent fasting is going well and I'm not that hungry in the mornings anymore. Losing about 1lb a week which I'm semi happy with as I stayed the same for so long. Happy news - I'm wearing a pair of navy trousers today that I haven't worn since last year and they fit (stopped wearing them as they were too tight but thank goodness I didn't bin them). Hopefully with 2 lunches out this week I should still be ok calorie wise. So easy to put this weight on but so hard to lose.
    DEBT: 1) Loan - £3,999; 2) Credit card - 1322; 3) Very - £274.

    Savings - EF -£200 / Xmas - £xx / Holiday £1,800

    Weight loss= -24lb lost = 30lb to go/54lb start (target 9st 7lb)
    • Munchin
    • By Munchin 30th May 19, 8:06 AM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    Morning,

    I'm out today at a team 'get together'...sigh... I think most people don't want to attend but it is mandatory. The only perk is that this afternoon they are doing a session on mindfulness which I am looking forward to. I'm hoping it will help my scatty and impulsive nature .

    I've done the 2 lunches out this week and the cost was pretty good - Tues I met 2 friends at their work canteen and spent £1.80 and then yesterday a large group of us went out to a restaurant and it still only cost £10 for my meal, contribution to the leaver & tip.

    I'm going to Glasgow in June and got an email from Flybe changing my flight over - I nearly had kittens as we are only going for 1 night and really can't afford any flight changes. Thankfully it is only changed by 45 mins so it not affecting the trip.

    Planned spends this weekend - Sister coloured my hair last night (free) and has got rid of the grey hairs but I am booked in for a haircut on Sat (£10 + £2 tip). I also have my usual 6 weekly appointment at the beauticians on Sat (£25) and then a night out with my volunteer thing (budgeting £30 but should be less). I am also going with sis and nephews to a bbq on Sat and it's another charity thing so probably a £10 donation. Quite spendy weekend but it should quieten down for the next few weekends until I go to Glasgow.

    I think if I manage to do less frittering in June I will be happy.
    DEBT: 1) Loan - £3,999; 2) Credit card - 1322; 3) Very - £274.

    Savings - EF -£200 / Xmas - £xx / Holiday £1,800

    Weight loss= -24lb lost = 30lb to go/54lb start (target 9st 7lb)
    • SSDD23
    • By SSDD23 30th May 19, 8:36 AM
    • 1,080 Posts
    • 3,287 Thanks
    SSDD23
    Sounds like you have lots of lovely plans
    Debt Target #01 - £0/£228
    • Munchin
    • By Munchin 31st May 19, 7:39 AM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    Hi SSDD23 - I do indeed and I'm looking forward to it all .

    Money front - yesterday was an NSD and hopefully the pennies will stay in the purse a bit longer in June. I promised nephew a pizza tonight (usually buy pizza first Friday after pay day) but I'm hoping to just get the Asda pizzas rather than the take out expensive ones.

    Yesterday was a good day. I was dreading the team building thing but it was actually good and we spent an hour doing mindfulness - the guy who ran the session gave of some creepy vibes but as it was only an introduction I went with it.

    I weighed myself this morning (I weigh randomly over the week and take the average but Friday is my official day) and I'm down to 11 stone 9 3/4 lb - I now feel like I will be under 11 stone by my holiday in August. I started at 13st 5lb on 29 Dec so quite chuffed. Obviously want it all gone by yesterday but this is the first time I have continued to lose weight without freaking out and bingeing and piling it all back on again. It's a great feeling fitting back into clothes - very MSE . Once holiday in August is done and dusted then the target will lose the rest of the weight by my 'not booked yet but still hopeful' holiday in November .

    I guess I better get on and get some work done. Hope everyone has a speedy Friday.

    DEBT: 1) Loan - £3,999; 2) Credit card - 1322; 3) Very - £274.

    Savings - EF -£200 / Xmas - £xx / Holiday £1,800

    Weight loss= -24lb lost = 30lb to go/54lb start (target 9st 7lb)
    • Munchin
    • By Munchin 31st May 19, 7:45 AM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    Debt Update @ 31 May 19

    Bathroom loan - start 22nd May £4,255 - now £3,999
    Credit card - £1472.50 - now £1,322
    Very - £324 - now £274

    Total - £6,051.50/£5,595 (8% paid)
    • Munchin
    • By Munchin 2nd Jun 19, 2:48 PM
    • 2,620 Posts
    • 8,533 Thanks
    Munchin
    Hi all,

    Just in from 4 hours standing in the cold at the football pitch. I’m not sure if my face is red from the sun or windchill . One good thing is that it blew away the remnants of my hangover.

    I had fun last night and even though I didn’t drink a lot I had the dooms even before I went to bed - ‘what did I say, what did do’ . I know it’s obviously alcohol but I have never had it start the same night. I think it’s also because I think a lot about how others perceive me and my ex therapist told me that I would feel better if l lived my life by my own opinions and standards of myself.... not just when the dooms strike.

    Money front - spendy day yesterday but all accounted for. Yesterday was my dads anniversary and Mum & I went to his grave with flowers. The pot that sits inside his grave was missing so I ordered a new one for £3.95. Unexpected spend but necessary. I think someone removed it for flowers and it was just misplaced.

    Happily reading now
    DEBT: 1) Loan - £3,999; 2) Credit card - 1322; 3) Very - £274.

    Savings - EF -£200 / Xmas - £xx / Holiday £1,800

    Weight loss= -24lb lost = 30lb to go/54lb start (target 9st 7lb)
    • Lilith1980
    • By Lilith1980 3rd Jun 19, 5:32 AM
    • 2,044 Posts
    • 5,969 Thanks
    Lilith1980
    That's great news about the weight loss, Munchin. What an achievement
    My debt-free diary
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,095Posts Today

8,027Users online

Martin's Twitter