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    • MuffinTops
    • By MuffinTops 31st Dec 17, 7:11 PM
    • 2,119Posts
    • 6,416Thanks
    MuffinTops
    Financial Fasting and other goings on
    • #1
    • 31st Dec 17, 7:11 PM
    Financial Fasting and other goings on 31st Dec 17 at 7:11 PM
    Well good evening and happy last few hours of 2017!

    I'll give a quick update in that I'm fast approaching 47 years old, single, female and living alone. My financial situation is pretty good, but I have a habit of buying a lot of silly items that don't cost much as one item but quickly mount up to a large total at the end of each month. Having a diary has always been a good way for me to keep some control of my spending as it makes me feel accountable. It also makes me feel quite proud and strong when I manage to keep a good track on my spending habits.

    My life just seems better when I'm more frugal. I think I spend as a way to fill some gaps or to distract me. Due to the silly spending I also have a lot of accumulated clutter! So as well as not spending anything on non essentials, I'm also planning on going through my belongings and giving them away or selling them to boost the accounts.

    I'm an avid YNAB fan, but that fell through the cracks during the 3 months I wasn't earning any money last year. So now I'm about to update that and get it all ready to go. I also love Bullet Journaling and have that set up for this year which will help keep me organised.

    I'd like to sell my house and buy somewhere a bit nicer and in a more peaceful area, but I have things I need to do to my house before I can sell it for a decent value. It all just looks so tired at the moment and that's been reflected in the offers I've received on it. All that takes money as I'm no good at giving that extra little wow if I decorate myself. I want it done properly and looking like the beautiful home it should be.

    I've decided this year that I won't be buying anything non essential. I have SO much stuff, a lot of it I expect I've forgotten about so that will encourage me to use up what I have and stop me feeling like my life would be better if I just had those new boots or that great little gadget!!!

    So, I think that's enough from me for now! All that's left is that I need to have a specific amount of how much I want to save this year. I'll put it in my signature as a percentage rather than a figure, as I think it will look more fun!

    Happy New Year to anyone who wants to join me for this adventure.

    MT
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
Page 1
    • rockabillygirl
    • By rockabillygirl 31st Dec 17, 9:32 PM
    • 149 Posts
    • 775 Thanks
    rockabillygirl
    • #2
    • 31st Dec 17, 9:32 PM
    • #2
    • 31st Dec 17, 9:32 PM
    Happy New Year and good luck with the house sale.
    It will all be ok in the end - if it's not ok, then it's not the end!
    Saving for Xmas 2018 #27. :
    Sealed pot challenge #32
    Mortgage paid off.
    • Tinkerbelle2000
    • By Tinkerbelle2000 31st Dec 17, 11:11 PM
    • 573 Posts
    • 2,038 Thanks
    Tinkerbelle2000
    • #3
    • 31st Dec 17, 11:11 PM
    • #3
    • 31st Dec 17, 11:11 PM
    Hey lovely. I found you and I!!!8217;ll be supporting you along the way as always.

    Roll on New Year.

    Tink xx
    As of 1st January 2018:-
    DEBT 1-38.96 DEBT 2-45.00/141.10 DEBT 3-0/297.00DEBT 4 - 5.00/644.12
    DEBT 5-0/700.00 DEBT 6-5.00/720.02 DEBT 7-100/1479.65 DEBT 8-53.20/1576.80
    DEBT 9-0/1622.49 DEBT 10-0/2300.00 DEBT 11-118.57/2722.44 DEBT 12-0/4349.39
    EMERGENCY FUND - 10/1000
    • another casualty
    • By another casualty 2nd Jan 18, 4:03 PM
    • 3,535 Posts
    • 5,457 Thanks
    another casualty
    • #4
    • 2nd Jan 18, 4:03 PM
    • #4
    • 2nd Jan 18, 4:03 PM
    Happy new diary muffin
    Interesting times ahead. It'll all come together eventually.
    • alan_d
    • By alan_d 2nd Jan 18, 4:22 PM
    • 35 Posts
    • 23 Thanks
    alan_d
    • #5
    • 2nd Jan 18, 4:22 PM
    • #5
    • 2nd Jan 18, 4:22 PM
    It all just looks so tired at the moment and that's been reflected in the offers I've received on it. All that takes money as I'm no good at giving that extra little wow if I decorate myself. I want it done properly and looking like the beautiful home it should be.
    Originally posted by MuffinTops
    Having been through this scenario recently renovating a 'tired' flat with new kitchen & bathroom, new paint everywhere and carpets in most rooms, I don't feel it's worth the effort. The best offer we received wasn't enough to cover the costs involved and the months taken compared to just selling it as it was.
    We should have just sold it 6 months ago in it's tired state at a lower price.
    • RosaBernicia
    • By RosaBernicia 4th Jan 18, 7:38 PM
    • 3,498 Posts
    • 9,346 Thanks
    RosaBernicia
    • #6
    • 4th Jan 18, 7:38 PM
    • #6
    • 4th Jan 18, 7:38 PM
    Happy new diary MT

    Lovely to have you back


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • I-Want-To-Move
    • By I-Want-To-Move 5th Jan 18, 9:45 PM
    • 74 Posts
    • 27 Thanks
    I-Want-To-Move
    • #7
    • 5th Jan 18, 9:45 PM
    • #7
    • 5th Jan 18, 9:45 PM
    I'd love to follow your journey. I've set myself a goal of not buying any non-essential items for the whole of 2018 and as a fritterer I think its going to harder than I expect.
    • nsl101
    • By nsl101 5th Jan 18, 10:08 PM
    • 36 Posts
    • 43 Thanks
    nsl101
    • #8
    • 5th Jan 18, 10:08 PM
    • #8
    • 5th Jan 18, 10:08 PM
    Hey, right there with you on the spending on clutter to keep me happy when I'm on my own and down in the dumps... I'm doing the same decluttering and trying to raise some cash at the same time...

    My Goal atm is to clear my unsecured debt in 2 years... which is eeek, but one of the methods is to keep track of finances and not to buy clutter... so id like to follow your journey too as it may help keep me on track...
    Fresh start & LBM #2: 21/12/2017 : DFD: 02.02.2024
    Debt at 21/12/2017: 46,506.94 | FD Loan: 334.04/35,700.00 | O% finance: 143.85/31918.00
    1% challenge: 0%
    • MuffinTops
    • By MuffinTops 7th Feb 18, 7:58 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    • #9
    • 7th Feb 18, 7:58 AM
    • #9
    • 7th Feb 18, 7:58 AM
    Sorry I've not been checking in for a while. Lots going on, but more about that shortly.

    I-Want-To-Move and nsl101, thanks for popping in and joining me on the journey. How are you both doing with your finance declutters?

    Hello Rosa. It's lovely to be back. I'll be checking in on your diary shortly for your updates.

    Well, it's Wednesday and in tradition I think we need some cheery dancing:



    So, I've been a bit AWOL as I'm trying to get myself really organised. I've had a trip to Cambodia too (all booked and paid for last year and spends were already budgeted for last year). That trip was very eye opening and pretty inspiring and I feel like it's pushed me forward a few months on the mindset. Seeing people living with so little and being so happy was a jolt to my perspective.

    So YNAB is all up to date and looking ok. My next plan is to get things sold again. I find that when I'm not keeping an eye on what I have, the amount of rubbish I consume starts to creep up again. I need to find a more permanent solution, but in the meantime eBay will be used a lot!

    Work is pretty again blah too, so it would be good to pull in the purse strings to help me create a bigger security blanket for whatever the future holds.

    So, just a quick recap and I'll be back regularly now to keep myself in check and on track.

    Right, on to check other diaries now...

    MT xx
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • EssexHebridean
    • By EssexHebridean 7th Feb 18, 11:17 AM
    • 8,716 Posts
    • 45,977 Thanks
    EssexHebridean
    That sounds like an amazing trip!

    I'm making this month one where I try to refocus on the small stuff - the bit things like utilities etc are mostly fairly under control but yes, I've certainly slipped on the frittering side - I'm well aware of it. I'm aiming to use February to break habits and remind myself that "wants" and "Needs" are different things. One thing I've realised is that the increase in frittering for me has been in direct relation to getting the ability to use contactless payments on my phone - I suspect largely because it's just so easy to use and that in turn means I pay by card when I ought to pay with cash. I'm hoping a month of stopping to think, and focusing far more on using cash will help to re-set my frugal mindset!

    With you on accumulation of "stuff" too - decluttering features on my to-do list!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • kangoora
    • By kangoora 7th Feb 18, 10:12 PM
    • 565 Posts
    • 384 Thanks
    kangoora

    So, I've been a bit AWOL as I'm trying to get myself really organised. I've had a trip to Cambodia too (all booked and paid for last year and spends were already budgeted for last year). That trip was very eye opening and pretty inspiring and I feel like it's pushed me forward a few months on the mindset. Seeing people living with so little and being so happy was a jolt to my perspective.
    Originally posted by MuffinTops
    I did some work in Manila in the Philipines quite a few years ago. As part of that we installed a trial radio telephone in one of the local telephone companies engineers 'apartment'.

    It was one room on the 4th floor of a small block, communal kitchen on the ground floor for all the block occupants and a shared toilet and bathroom on each floor. The 'apartment' (room) was maybe 12 foot square (2 of them living in it) and furniture consisted of a mattress on the floor, 2 (hard) chairs, a small table and a big wardrobe. We had lunch provided by a family who were taking their turn in the kitchen during our visit and everyone, even though dirt poor by western standards, did seem cheerful.

    It was quite an eye-opener
    • MuffinTops
    • By MuffinTops 12th Feb 18, 8:06 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    It makes you think, doesn't it kangoora. It put some things in perspective for me and I feel I've come away with a couple of good lessons.
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • MuffinTops
    • By MuffinTops 12th Feb 18, 8:10 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    A fairly quiet weekend for me. I bought a mattress in the boxing day sales as mine was causing me pain in my hips and lower back. It was a huge palaver getting it in the house and up the stairs, but on Saturday I finally put it on my bed. Took over an hour of sweat and grunting, but I managed to get the new mattress on and the old mattress and topper off and out of my bedroom. It's rock hard this new mattress but I'm definitely feeling that it's better for my back and hips.

    I met a friend for lunch and it was her turn to pay, so no money spent there. Then yesterday I had a quiet day at home doing various bits of research online and pottering about with housework etc.

    My only let down was that I didn't update my bullet journal for this week! I can't do that tonight as I'm training a new radio presenter, but should be able to sort that tomorrow.

    I also need to book the council to come and collect my 2 mattresses (and 1 other item yet to be decided) as they're in the spare room and getting in the way.

    I hope everyone had a lovely weekend.

    MTxx
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • EssexHebridean
    • By EssexHebridean 12th Feb 18, 11:03 AM
    • 8,716 Posts
    • 45,977 Thanks
    EssexHebridean
    I'm struggling a bit with my bullet journal at the moment - when I keep on top of it I know it works for me, but it's the ongoing maintenance to get it to that stage that's not quite firing for me at the moment. I wonder whether I need to have a set routine that I always spend Monday lunchtime dealing with it as that gets it sorted right at the start of the week.

    Good call by the sound of it on the new mattress too - we replaced our bed base and mattress last year and it makes such a difference doesn't it!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • MuffinTops
    • By MuffinTops 12th Feb 18, 12:26 PM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    From the information I've seen from other bullet journal people is that they do set aside specific time to update their planners. Some do it each night as they update their day logs, to set up for the next day and weekly planners, like myself, set aside an hour or two one evening in the week to get their following week set up. So I'm still trying to work around that. Having a holiday seems to reboot all of my organised plans and I need to get them back up to scratch again. The complete tiredness of jetlag doesn't help!

    It really does make a massive difference having a fresh new mattress.
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • MuffinTops
    • By MuffinTops 13th Feb 18, 8:46 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    I had the best night's sleep I think I've had in years last night! It seemed to take me a while to get used to the harder mattress, but I've woken up feeling no aches or strains (and dog tired as I was in a deep sleep when my alarm went off).

    I'm also thinking that I often go from one extreme (spending as much as I can) to the other (not buying anything at all). So I just alternate between the two. To break that cycle I'm going to try to go for more mindful spending. Looking around my house, there are many things that are a bit bedraggled. My bed covers, my towels, things like that. So, I'm going to let up on the fasting and just be more aware that I only buy things I genuinely need. As it would be very rare that I need to buy something the moment I see I need it, I'll also shop around for some good deals.

    Other than that, the mindless spending seems to be under control a lot more now. I also need to look at food wastage as I'm getting worse at buying prices of food rather than what I actually want. So that always works out to be a false economy.

    Right, I'm off for a little nap. They tend to frown on such behaviour at work, but they also tell me it's all about priorities, and my priority is to not be tired!

    MTxx
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • EssexHebridean
    • By EssexHebridean 13th Feb 18, 11:48 AM
    • 8,716 Posts
    • 45,977 Thanks
    EssexHebridean
    Happy napping!

    I wonder if in your world the spending thing is a bit like the theory of why diets don't work. The theory as I recall it is: If you diet, you're either on a diet (in which case the body is thinking "ooh poor me!" and feeling deprived) or you're "off the diet" - cue "Yahoo! I can eat ALL the food!" thoughts - feast or famine, but never a sensible mid-road path. The theory goes that when we ditch that feast or famine route we re-learn to listen to our bodies, listen to when we're actually full up, and eat the stuff that we want, that satisfies us rather than poor substitutes that we're eating because we're "being good" and that don't satisfy us so we end up eating more of. Seems to me that your mindful spending idea could well work, particularly if it's used in conjunction with 's money mantra?

    On the food thing why not write a list of meals you love and then work out how they can be made in as budget-friendly a way as possible?
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • another casualty
    • By another casualty 13th Feb 18, 5:45 PM
    • 3,535 Posts
    • 5,457 Thanks
    another casualty
    Wow! That Cambodian trip sounds very unusual and different . Cool break . Good idea getting a new mattress . I made that one of my priorities when I moved home last year . Got topper and mattress protectors in homesense . Seems like you have more or less caught up on the jet lag
    • MuffinTops
    • By MuffinTops 15th Feb 18, 7:50 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    EH I think you're so right. I'm like that with most aspects of my life. I often tell people I don't have a very wide grey area, so maybe I need to adopt this in all aspects of my life. Thank you.
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • MuffinTops
    • By MuffinTops 15th Feb 18, 7:52 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    Hello AC. Cambodia was one of my most unusual holidays. It was nice to have my eyes opened so widely.

    Doesn't it make a difference with the new mattress. It's been great reading your diary after a break too because you sound so different, in such a great way.

    I have caught up on the jet lag, thank goodness. That's not a nice feeling.
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
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