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  • FIRST POST
    • Munchin
    • By Munchin 1st Feb 18, 4:00 PM
    • 2,281Posts
    • 7,013Thanks
    Munchin
    Debt free Munchin!! Now to stay that way.....
    • #1
    • 1st Feb 18, 4:00 PM
    Debt free Munchin!! Now to stay that way..... 1st Feb 18 at 4:00 PM
    Hi all,

    After a few bumps along the road I finally became debt free on 29 January 2018 .

    I paid off about £26,000 in my last 3 diaries over the course of 10 years. I started my first diary to clear 1 lot of debt and then once it was gone...I took on more debt . So the purpose of this new diary is to start afresh with no debt (just love saying that) and to put down my savings goals and plans for the year ahead. I will do an SOA in the next post.

    A little bit about myself I live in N Ireland with my OH and my fur-baby (dog).

    During the coming year I want to focus on my savings and the main things are –

    - An Emergency fund for a rainy day – hopefully £2000 by Dec and the second goal will be £10,000 and the final goal is £30,000.

    - Holiday 2018 – we’re planning on going away for a week in Sept so will aim for £600.

    - Finally a dream trip to the Maldives in 2019 – approx. £3000.

    As I said in last diary 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 budgets funded.
    Debt Free 29 January 2018

    Scrimpy Challenge 1 -Emergency fund - £2252/£10,000(22%)
    Scrimpy Challenge 2 - Holiday 2018/2019 - £900/£3600.
    Scrimpy Challenge 3 - Car - £0/£8000
Page 4
    • Seasidegal58
    • By Seasidegal58 1st Mar 18, 2:58 PM
    • 1,912 Posts
    • 11,753 Thanks
    Seasidegal58
    Hi Munchin - just catching up with your diary. You’ve a bit of a spendy month ahead but I’m sure you’ll manage to keep your costs down - you usually do!

    Good idea on testing out the gym first to se if you’ll use it regularly. I know quite a few people who have joined a gym then don’t go and find they’re locked in an expensive contract.

    to the football in this weather!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • Munchin
    • By Munchin 2nd Mar 18, 8:19 AM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Thanks Seaside, will do my best not to fritter.

    So this morning was so cold standing at the train station and I have a large mug of coffee in front of me to keep my hands warm.

    My relative tried to offer me money for taking them to hospital but I refused as he has done so much for me and my family. He snuck £10 in an envelope and put it under my door when I was working yesterday. I think it's a pride thing so I will happily accept it.

    So my therapist has a new task for me this week...do something that is fun or I get enjoyment from. I was saying that this last wee while I've just get up super early, gone to work, come home, got ready for work, gone to bed and repeat. Having fun with nephew and being silly with him in the cold was the first time in ages I've felt silly or had fun which is a bit sad but shows how easy it is to get stuck in a rut. Last night I played Blockbusters with my mum and nephews. You wouldn't think it would be that hard to deliberately incorporate enjoyment in your day but it kind of is for me. I said to OH that this weekend we are going out for dinner/lunch (any spare change we have goes into a piggy pot for this purpose and there is £36 in it) or for a walk on the beach. I think, depending on the opening times, I will go for a swim tomorrow as I've not done that since our last holiday in Sept.

    Ooops bit of a long ramble but as there probably isn't going to be many staff in today I think I have time to check the diaries
    Debt Free 29 January 2018

    Scrimpy Challenge 1 -Emergency fund - £2252/£10,000(22%)
    Scrimpy Challenge 2 - Holiday 2018/2019 - £900/£3600.
    Scrimpy Challenge 3 - Car - £0/£8000
    • Lilith1980
    • By Lilith1980 3rd Mar 18, 1:23 PM
    • 1,790 Posts
    • 5,072 Thanks
    Lilith1980
    I find it hard to "have fun" too, which sounds really odd but I'm normally a serious person, focusing on work and getting things done that need doing. I don't find it easy to be "silly", unlike my husband who's a big kid. Perhaps we balance each other out in that way, but I'd like to let go a little sometimes.

    I hope you enjoy your meal out
    My debt-free diary
    • Munchin
    • By Munchin 3rd Mar 18, 3:36 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Hi Lilith, glad to see I'm not the only one who struggles to have fun. It's not that I'm not happy it's just I need more laughs and fun things to look forward to.

    OH is working today so this morning's fun was a lovely run in the forest with pup and a really light snow shower which was just beautiful.

    No spends today so far. I typed up a set of volunteer minutes and these are almost the last ones before I step down from this club..cannot wait to be done with it

    Hopefully OH & I will do our beach walk tomorrow and I'm busy looking at groupon deals to see what pampering there is out there. As I'm on a bit of an economy drive this month then all fun has to be quite frugal.
    • Seasidegal58
    • By Seasidegal58 3rd Mar 18, 8:59 PM
    • 1,912 Posts
    • 11,753 Thanks
    Seasidegal58
    Hope you enjoy your beach walk tomorrow. The groupon pampering sound a good, frugal idea - perhaps get some of your girlfriends along as well and have a giggle?
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • Munchin
    • By Munchin 11th Mar 18, 3:02 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Update

    Money - 11 March 2018

    Groceries & odds - £120/£21.50 left
    Diesel - £90/£25 left

    Surveys & Voucher (Additional income)

    Swagbucks - 528 SB (999SB = £5 paypal)
    Receipt Hog - 1690 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)
    Topcashback -£0 payable / £3.68 pending
    Prolific - £9.52
    Travel expense (volunteering) - £24.20 pending

    Weekly Spends

    Sun - 11th - NSD
    Mon 12th - ££
    Tues 13th -
    Wed 14th -
    Thurs 15th -
    Fri 16th -
    Sat 17th -
    Last edited by Munchin; 13-03-2018 at 5:43 AM.
    • Munchin
    • By Munchin 11th Mar 18, 3:16 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Afternoon all,

    Wow another mad week over and done with in the blink of an eye and I have my clothes ironed and lunch ready in fridge for the start of another mad week. Good news is that I finish early on Friday coming and then we have a bank holiday on the Monday .

    I don't have tons of MSE news. I have a few spends separate to my frugal budget which is now at £25...eek!! I have booked 2 events for OH & I in August & October, so that we have things to look forward to. I've been keeping an eye out in Groupon but no pampering sessions near me yet.

    It's been tough with OH this week. His sis in law rang to ask his advice on selling some pieces of the farm (OH brother passed away 5 months ago). It's really knocked him for 6 but he has to accept that things wont be the same and his SIL has to make these decisions.

    I saw my Mum this morning and she made me coffee and a bacon sarnie. I asked her if it wasn't supposed to be the other way round and I should be treating her . Mums are the best.

    I got quotes from the travel agents for our Maldives trip and at the moment it is only provisional but the travel agent assures us that June/July should have discounts and could be a good time to book.

    I had to catch up on some volunteer minutes and some work this morning so now I'm just watching the Great British Bake off with a cup of tea
    Debt Free 29 January 2018

    Scrimpy Challenge 1 -Emergency fund - £2252/£10,000(22%)
    Scrimpy Challenge 2 - Holiday 2018/2019 - £900/£3600.
    Scrimpy Challenge 3 - Car - £0/£8000
    • Lilith1980
    • By Lilith1980 12th Mar 18, 6:26 AM
    • 1,790 Posts
    • 5,072 Thanks
    Lilith1980
    It's nice to book things in advance so we have them to look forward to. Glad you enjoy time around your mum's too

    Fingers crossed you get some bargains for the Maldives - what an amazing experience that will be!
    My debt-free diary
    • Munchin
    • By Munchin 13th Mar 18, 6:58 AM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Hi Lilith, it’s always nice to have something positive to look forward to .

    Yesterday was a bit of a trial but not for me. My friend has had a grievance taken against her which I know from experience is totally unfounded. Yesterday was her opportunity to give account to the ‘independent’ investigating body and she asked me to be her support person. I spoke to my Union rep and she advised it could take hours which I hadn’t expected. It took us 4 hours and then we were only half way through and we have to go back. It is so annoying that this person who took the case has a history of taking cases but that doesn’t count. My friend has loads of evidence and witnesses to support her but it is still a horrible experience. It was exhausting as we both had to be so careful with our words.

    I spent some money on coffees for the pair of us before the ordeal. The positive is that my friend was always about taking the high ground but now she’s bringing all the evidence including nasty vindictive emails to the next meeting.

    I then had to work late to catch up on my own work but at least I’m finally starting to get to the top of the mountain.

    I’m sitting on the train in my running gear as I plan a short run before I start my working day.. can’t back out as I’m already dressed. Will spend the next 30 mins on train catching up on Swagbucks.

    • Seasidegal58
    • By Seasidegal58 13th Mar 18, 10:23 PM
    • 1,912 Posts
    • 11,753 Thanks
    Seasidegal58
    How awful for your friend Munchin. I do hope matters are resolved - and in her favour!

    Envy your energy in running before work!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • Munchin
    • By Munchin 17th Mar 18, 3:44 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Afternoon all,

    Happy St Patrick's day . I have had such a productive day and I'm full of beans. I managed a run this morning in the forest with pup and it was cool but still ok for the dog. As we ran round it started snowing...I'm thinking there is an entirely different climate in the forest .

    I had a list of things to do and I've just finished them. I did a grocery shop this morning and then popped into volunteer thing to sign of some papers I've not had a chance because of work. I then reviewed a set of minutes for another volunteer thing. I tidied my house and changed the beds. I also went through the shoe boxes on top of the wardrobe and have a few things to ebay as I can't walk in high heels any more. I also found 2 pairs of sandals I had forgotten about . I popped over to my Mums and then my Aunts for tea and a chat with my cousins. It is shaping up to be a lovely day so far.

    Yesterday I went to a retirement thing for a friend and it was lovely to see old friends but a had a wee bit of anxiety as well which I coped with. I've been invited to a party next weekend which I'm going to go to but need a pressie and to find something to wear. I have a pub quiz the week after for my cousin to raise funds for the Children's hospital. I also have 3 birthdays next weekend . Lots of things coming up which will cost a bit but worth every penny.

    I got my car insurance renewal in the post and it's £50 dearer than last year. It drives me mad that they rely on people just renewing. I will do another quote and ring them on Tuesday and see what they can offer.

    Plans tomorrow - a dander on the beach and a nice meal out is on the cards and then Monday is a bank holiday so it will probably involve painting the spare room but I'd rather just enjoy the day.
    • Munchin
    • By Munchin 17th Mar 18, 3:47 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Update

    Money - 18 March 2018

    Groceries & odds - £120/£21.50 left
    Diesel - £90/£0 left

    Surveys & Voucher (Additional income)

    Swagbucks - 528 SB (999SB = £5 paypal)
    Receipt Hog - 1802 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)
    Topcashback -£1.50 payable / £3.68 pending
    Prolific - £12.02
    Travel expense (volunteering) - £24.20 pending

    Weekly Spends

    Sat 17th - £19.80 grocery
    Sun 18th -
    Mon 19th -
    Tues 20th -
    Wed 21st -
    Thurs 22nd -
    Fri 23rd
    Sat 24th -

    Last edited by Munchin; 18-03-2018 at 3:16 PM.
    Debt Free 29 January 2018

    Scrimpy Challenge 1 -Emergency fund - £2252/£10,000(22%)
    Scrimpy Challenge 2 - Holiday 2018/2019 - £900/£3600.
    Scrimpy Challenge 3 - Car - £0/£8000
    • Seasidegal58
    • By Seasidegal58 17th Mar 18, 4:26 PM
    • 1,912 Posts
    • 11,753 Thanks
    Seasidegal58
    Afternoon all,

    Happy St Patrick's day . I have had such a productive day and I'm full of beans. I managed a run this morning in the forest with pup and it was cool but still ok for the dog. As we ran round it started snowing...I'm thinking there is an entirely different climate in the forest .

    I had a list of things to do and I've just finished them. I did a grocery shop this morning and then popped into volunteer thing to sign of some papers I've not had a chance because of work. I then reviewed a set of minutes for another volunteer thing. I tidied my house and changed the beds. I also went through the shoe boxes on top of the wardrobe and have a few things to ebay as I can't walk in high heels any more. I also found 2 pairs of sandals I had forgotten about . I popped over to my Mums and then my Aunts for tea and a chat with my cousins. It is shaping up to be a lovely day so far.

    Yesterday I went to a retirement thing for a friend and it was lovely to see old friends but a had a wee bit of anxiety as well which I coped with. I've been invited to a party next weekend which I'm going to go to but need a pressie and to find something to wear. I have a pub quiz the week after for my cousin to raise funds for the Children's hospital. I also have 3 birthdays next weekend . Lots of things coming up which will cost a bit but worth every penny.

    I got my car insurance renewal in the post and it's £50 dearer than last year. It drives me mad that they rely on people just renewing. I will do another quote and ring them on Tuesday and see what they can offer.

    Plans tomorrow - a dander on the beach and a nice meal out is on the cards and then Monday is a bank holiday so it will probably involve painting the spare room but I'd rather just enjoy the day.
    Originally posted by Munchin
    Happy St Patrick's Day to you too Munchin!

    Your run with pup sounded fun. Perhaps your forest is part of Narnia!

    Commiserations on no more high heel wearing! I've been afflicted with that for a few years now!

    Oh and you'll find your insurer will immediately match your cheapest quote or not better when you go back to them! They are all a nightmare!

    Enjoy the rest of your "green" day!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • Munchin
    • By Munchin 17th Mar 18, 4:57 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Thanks Seaside ,

    There is a sign up in the forest saying that they are filming there next week and they had lights up today and were beavering away so now I have visions of Narnia in my head or Game of Thrones
    • Seasidegal58
    • By Seasidegal58 17th Mar 18, 5:44 PM
    • 1,912 Posts
    • 11,753 Thanks
    Seasidegal58
    Oh wow - could it be Game of Thrones! Do they not film the series in your area?
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • Munchin
    • By Munchin 17th Mar 18, 6:34 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    They do indeed. There is a massive castle in the grounds of an old estate about 1/4 of a mile from me and the last few weeks they have been filming through the night as the huge lights are shining when I look out the window. My colleague walked into 'Jon Snow' in Boots when his character was supposed to have died in the previous series so that was a bit of a give away
    • Lilith1980
    • By Lilith1980 18th Mar 18, 6:42 AM
    • 1,790 Posts
    • 5,072 Thanks
    Lilith1980
    Sounds like you've had a lovely time Munchin! Car insurance renewal is always such a faff. I'm definitely going to make more effort this year when I renew and get comparison quotes and see if my current insurer can match them.
    My debt-free diary
    • Munchin
    • By Munchin 18th Mar 18, 1:34 PM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Afternoon ,

    Looking back over my savings plans and thanks to reading SSG diary I need to seriously consider putting more towards my pension. First of all I need to get my Emergency fund, car fund, and holiday funds all topped up. I think if I can make extra contributions towards my pension then I should run that in tandem with my other savings goals. I think my therapy sessions are coming to an end so that will be £200 extra to the pension.

    Savings pots update 18.03.18

    1) Emergency fund -
    Goal 1 - £2000 done
    Goal 2- £10,000/£2,172

    2) Holiday 2018; £600/£300
    3) Maldives in 2019; approx. £3000/£0.
    4) Car £8000/£0
    5) Ad Hoc retirement savings - £0
    Last edited by Munchin; 18-03-2018 at 1:51 PM.
    Debt Free 29 January 2018

    Scrimpy Challenge 1 -Emergency fund - £2252/£10,000(22%)
    Scrimpy Challenge 2 - Holiday 2018/2019 - £900/£3600.
    Scrimpy Challenge 3 - Car - £0/£8000
    • Seasidegal58
    • By Seasidegal58 18th Mar 18, 10:55 PM
    • 1,912 Posts
    • 11,753 Thanks
    Seasidegal58
    Good call on using the therapist funds towards your pension - that's a nice little sum to start you off with. I have made a few comments in reply to your post on my diary.

    Does OH have a workplace pension too?
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • Munchin
    • By Munchin 19th Mar 18, 8:31 AM
    • 2,281 Posts
    • 7,013 Thanks
    Munchin
    Morning all,

    Absolutely beautiful bright morning to wake up to on a Bank Holiday. OH is having car problems so he is going to look at that first and then we are either heading out for lunch or dinner today.

    SSG - commented over on your blog but will have a nosy round the pension pages and guide to get a feel of what I need to save.

    Money front - kind of living for pay day this month but once March & April birthdays are out of the way then things should get back to normal.

    No major plans today - relaxation planned. I think I will take pup out for a run later but he seems quite content curled up in a ball beside me.
    Debt Free 29 January 2018

    Scrimpy Challenge 1 -Emergency fund - £2252/£10,000(22%)
    Scrimpy Challenge 2 - Holiday 2018/2019 - £900/£3600.
    Scrimpy Challenge 3 - Car - £0/£8000
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