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  • FIRST POST
    • Munchin
    • By Munchin 1st Feb 18, 4:00 PM
    • 2,383Posts
    • 7,377Thanks
    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.
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

Page 6
    • Munchin
    • By Munchin 15th Apr 18, 2:05 PM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Afternoon ,

    I'm almost back to normal after bug.. I went into work on Monday but only lasted a few hours as I realised that was a big mistake. I still feel a bit run down but nowhere near as bad as last week. I'm just waiting for F1 to start and that will be my Sunday sorted.

    Sister is home visiting so yesterday I met my sisters and their kids and went to a petting farm. It actually was a really good afternoon out for the family. My family are farmers as well but their focus is on beef and dairy so it's not the same as a petting farm and the kids loved it. This week I'm taking a few days leave to spend with sister before she goes back and we're thinking about the beach if the weather stays good and also we have a family do thing and we're heading out to dinner afterwards so it's all go this week. I have an appointment to get my nails done to look a bit smarter and feel a bit pampered.

    Next weekend I don't think I have many plans but the following weekend I'm away at a conference in Southern Ireland.

    Also this week I'm joining a new fitness class with sister in law. I really need that mojo back but it is decidedly lacking at the moment. Hoping that going with SIL will force me to attend.

    Plans for the rest of the day is to do very little
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Seasidegal58
    • By Seasidegal58 15th Apr 18, 9:10 PM
    • 2,133 Posts
    • 13,192 Thanks
    Seasidegal58
    Sorry to hear you've been so rough Munchin. This lurgy has been knocking everyone for six over the past couple of months. Take it easy for a bit and don't go gung ho on the exercising until you feel really A1.

    You sound like you've been having a lovely time with your family though.

    Have a good week!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 19/09/2018: £1168.59
    MONTHS TO RETIREMENT: 32!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Lilith1980
    • By Lilith1980 16th Apr 18, 6:26 AM
    • 1,878 Posts
    • 5,381 Thanks
    Lilith1980
    Glad you're feeling a bit better, Munchin. Hope you enjoy your days off
    My debt-free diary
    • Munchin
    • By Munchin 22nd Apr 18, 1:00 PM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Thanks Seaside & Lilith

    So sister and family have headed back across the water and it was sad to see them go but also it will be a lot calmer for a wee while.

    I had so much fun this week with my sister home. We went into our nearest big town and had a gorgeous lunch but thankfully there were no other spends. We went to the park and a family thing which was great and I think the good weather made everyone feel good. My friend was home this weekend so we went out and I have to admit I had such a terrible hangover yesterday . I did scrape myself together and met her for lunch yesterday in our local pub but I stuck to soft drinks. I have agreed to visit her in Sept in Scotland and we are going to a 10k race together. I've also said yes to visiting her next winter (she has a hotel in Sri Lanka) and I know it will cost for flights and paying for things to do but the accommodation will be cheap...well I have to at least show willing .

    My therapist said I have to say yes to more things so I think I've even impressed myself with the fun things I've been doing and planning. Of course money is still a problem but it's only the next year that will be costly as it's not every year you plan for big holidays.

    I went to my (first in 6 months) circuits class this week. I could barely move my legs yesterday and that was combined with the hangover from hell!!!. The instructor gave us a worksheet to do at home and I haven't touched it as the pain was too much. I know that it will get easier and I absolutely loved it so hopefully it will be better this week.

    Money front - scary spends this week - £340 on my new tyres and that was their basics range!!! I knew it was going to be expensive and I had the money saved up in my annual fund but will need to get that filled again.

    Not many plans today. I'm back to work tomorrow and then I have another long weekend as I'm away
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Seasidegal58
    • By Seasidegal58 22nd Apr 18, 3:19 PM
    • 2,133 Posts
    • 13,192 Thanks
    Seasidegal58
    You always seem to have a wonderful time when you're sister comes over. It's lovely to have such a close family.

    Sri Lanka sounds great - a work colleague returned from holiday there recently and raved about it.

    I'm seriously impressed you did a circuit class with a hangover though!

    Bah to the tyres but the good thing was you had the money readily available in your annual budget fund and no CC bill to pay!

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

    Next Scrimpy Goal - Ad Hoc Savings - 19/09/2018: £1168.59
    MONTHS TO RETIREMENT: 32!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Lilith1980
    • By Lilith1980 23rd Apr 18, 6:12 AM
    • 1,878 Posts
    • 5,381 Thanks
    Lilith1980
    Sounds like you had an awesome time! And how great that you have things to look forward to as well! Well done on the circuit class!
    My debt-free diary
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 23rd Apr 18, 9:34 PM
    • 4,869 Posts
    • 34,485 Thanks
    HairyHandofDartmoor
    You sound like you've got your budgets really well organised Munchin and you had a budgrt for the tyres even though they were so expensive.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Munchin
    • By Munchin 5th May 18, 12:32 PM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Hi again,

    I've been a bit MIA this week but I've been busy doing some fun things

    SS, HHD & Lilith & thank you for your nice comments and I kind of do feel good and in a positive frame of mind with the budgets.

    So last weekend I was away in Southern Ireland for a conference and must admit I was a bit tired on Mon when I got home. The rest of the week flew in and I've a list of jobs as long as your arm to get done.

    It took me a few days to get mojo back as returning to reality can be a bit strange..no longer being wined and dined .

    I've been out for a run and been to cousins house so at least I have 1 task done today (farm form completed) but the brain doesn't want to start the minutes which is why I'm happily skipping through MSE .

    I'm writing out today's tasks so that I can get them all done today -
    • fill in farming form for relative x 2
    • Type up 1 set of minutes and review another set.
    • Sort out bombsite that is our bedroom
    • tidy house
    • Dreaded ironing.
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Munchin
    • By Munchin 6th May 18, 8:47 AM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Morning,

    OH is still in bed sleeping and I'm just killing time until I get my Mum for mass.

    I didn't get all the things I needed to do yesterday done but I got the complicated bits out of the way so at least it should be all plain sailing today and tomorrow.


    I'm writing out today's tasks so that I can get them all done today -
    • fill in farming form for relative x 2 - 1 done & 1 to go
    • Type up 1 set of minutes and review another set - done
    • Sort out bombsite that is our bedroom - done
    • tidy house - done
    • Dreaded ironing - maybe tomorrow??
    Originally posted by Munchin
    I have created a 'Wish Farm' on YNAB which is where you save money towards non daily routine stuff but things you wish you could afford. I've separated my current wishes into Small, Medium & Large (stolen from YNAB tutorial). I have been thinking about getting a mini radio when running as my IPOD is ancient and it doesn't have a radio. I started researching and almost convinced myself to save up for about £150. I really thought about it and only needed a simple basic device and I found a device for £29 which does the job so now I just have to add a bit to that category and save towards it. It is a lesson on how quickly I can convince myself to splurge and not save .

    Today's plans involve the Garden Show Ireland and lots of sun
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Lilith1980
    • By Lilith1980 6th May 18, 4:58 PM
    • 1,878 Posts
    • 5,381 Thanks
    Lilith1980
    Hope you enjoy the sunshine Munchin!
    My debt-free diary
    • Munchin
    • By Munchin 7th May 18, 9:09 AM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Morning all,

    Thanks Lilith - hope you enjoy it as well - plenty of sunscreen .

    Garden show was good yesterday but the weather made the event.

    Today there is another country fare which we are thinking about heading to but we’ve been a few times so not sure if I want to go.

    So I have a few spendy months ahead -
    • Trip to see sis in England (flights & accommodation, pressie, car hire & food) x 3 = £500??
    • SIL 40th b’day - (pressie & dinner) - £100
    I have my summer holiday in Sept (which I want to book today), but I’ve already saved up for that. I could possibly have a wedding in November as well but will worry about that if it happens.

    I think I might have to raid the Emergency fund for the England trip. I do have a handle on budgets but I wish I could save more.

    ED front - told OH about extent of my ED yesterday as he fat shamed me at the garden event. I told him at home why his ‘funny’ digs & looks or squeezing of my sides as a sign ‘of affection’ upset me so much after repeatedly asking him not to comment on my eating or shape which he ignores. I’m a size 12/14 ...so why he feels he has to comment is beyond me. He still doesn’t get it but it’s only been a day & at least if he crosses the line again he can’t say he didn’t know or it was only a joke..sorry rant over.

    Life has improved so much with therapist and my dips are tiny now. OK time to tidy up and get some mojo for day ahead.
    • Munchin
    • By Munchin 19th May 18, 8:21 AM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Morning

    Oh dear - confession .. I have to admit my credit card balance has started to creep up and I need to reign the spending back in and pay it off. I can't complain as it's my own fault and most of the spends are for planned events (concerts, 2 short breaks away this year.....maybe some clothes). I'm still saying I'm debt free as my savings outweigh my debt but I don't want to touch them yet.

    OH is only working in family shop and getting paid very little so I'm picking up most of the spends. My salary is good but now realistically have to budget with the one income. I think it's one thing getting debt free but unless I change my habits I'm not going to stay that way. On the positive side I do have savings and I will just chip away at the credit card and get it back down to zero. I've hid the card and taken it out of all my accounts. I've also decided to track my spends on here to stop the frittering. I've have to get the balance right in just about everything.

    This week has been fun . I went to Balmoral show (agricultural show) with a friend and had a day of free samples (including wine) and make up being done. We had free entry and it cost me £4.20 on train and just under £10 the rest of the day.

    This weekend OH is working (but £50 is not a salary) and I have two family events (still have to buy a card and give nephews a gift but opting for £10 each).

    ED - therapist has mentioned again about what to do when therapy session comes to an end. I kind of want her to tell me the end date but it's a decision for me. This month it will cost me £250 as it's a 5 week month. I can't put a price on mental health but boy I could use that money. I feel really good in myself but a bit scared to go it alone. However, I have the option of check in sessions each month until I feel comfortable.

    So I'm back tracking my spendings and keeping myself accountable. Kind of feel happier that I've owned up to the credit card. I do know when I post on here more often I don't fritter so much.

    Update

    Money - 19 May 2018

    Groceries- £16.91 left
    Diesel - £0 left (tank full)
    Other spends - £85 left

    Surveys & Voucher (Additional income)

    Swagbucks - 528 SB (999SB = £5 paypal)
    Receipt Hog - 2271 coins (1500 coins = £5/ 2850 coins = £10/ 5300 coins = £20/12000 coins = £50)
    Topcashback -£5.43 payable / £17.16 pending
    Prolific - £12.02
    Travel expense (volunteering) - £xx pending

    - 19th - 25th May

    Sat 19th -
    Sun 20th -
    Mon 21st -
    Tues 22nd -
    Wed 23rd -
    Thurs 24th -
    Fri 25th -

    Credit card - £1102
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Munchin
    • By Munchin 20th May 18, 8:45 AM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Morning,

    Yesterday was such a glorious day. Went to a 1st Holy Communion and had a lovely relaxing time with family afterwards & got a bit sunburnt .

    I have another Communion today but not joining the fun after (which will save me some money).

    I also wanted to watch the Royal wedding but recorded it as I left the house at 10 so missed all the fun until later on. I love Royal weddings and she looked amazing.

    Spends - Popped to shops just to get a bottle of wine and a card and then put £10 into 2 cards.

    Week ahead - promised to have lunch with a friend tomorrow and an ex colleague on Tuesday and then the rest of the week is packed lunches and a free lunch .

    Sorry this is a bit of a depressing rant - We have another stupid team building away day thing this week but to be honest I don't like the place I'm in so I can see it far enough. I'm still coping with an aggressive bully and 3 staff who hate each other. I asked for an internal move and got told that the problem is that no one wants to work with that team. I knew I got moved to this post as I was new but had no say in the matter. For a while my confidence dipped and I thought I was useless but working with therapist I can see that it's not me but I'm in the wrong environment - no one should have to deal with the harassment that I get on a daily basis. The laugh is that so many colleagues say they can't believe how well I'm coping and they couldn't with that team but I don't think they realise how exhausted I am and that I'm not coping and if I didn't have my therapist I don't know how I would have coped this past year.

    The escape plan is finally starting to look achievable as the post I'm interested in (back in my old place and at my current grade) has been submitted to their Personnel for consideration on how they should fill the post. Things are never straightforward and Personnel could stop them advertising it and filling from existing promotion lists. As this is the only thing keeping me from going on sick leave I don't know what I will do if it isn't advertised. Obviously I would have to impress them at interview but at least I would have the opportunity.

    On the family front OH has finally admitted he might have a drink problem (not coping at all well with brother's death), he has an appointment with an addiction specialist this week so that could be the end of the alcohol but that is best for both of us.

    In myself I do feel really good and life is so much better so if I could sort out the work situation and get OH on the road to recover (& pay off the pesky credit card bill), life would be pretty good.

    Sorry for the woe is me part

    Weekly spends- 19th - 25th May

    Sat 19th - £28.29 (wine, card & £20 gifts)
    Sun 20th -
    Mon 21st -
    Tues 22nd -
    Wed 23rd -
    Thurs 24th -
    Fri 25th -
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Lilith1980
    • By Lilith1980 20th May 18, 1:01 PM
    • 1,878 Posts
    • 5,381 Thanks
    Lilith1980
    Sorry that work is so awful. Fingers crossed you can apply for the role and hopefully get it! I hope your OH gets the support he needs too. Admitting you have a problem is a huge step.
    My debt-free diary
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 20th May 18, 1:40 PM
    • 4,869 Posts
    • 34,485 Thanks
    HairyHandofDartmoor
    Sorry you have to work with such awful people, you're right it definitely isn't you it's them. Good luck with the new job, I hope you get a chance at it.

    I hope DH's meeting with the addiction specialist goes well. I know what it's like to lose a sibling and it's really hard.

    It's brilliant that you're in a good place though apart from the above .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Seasidegal58
    • By Seasidegal58 20th May 18, 8:34 PM
    • 2,133 Posts
    • 13,192 Thanks
    Seasidegal58
    Just caught up with you at last Munchin.

    Thank you for your kind comments on my diary though I think your work problems sound worse than mine. I do hope something comes you soon on the other position.

    So sorry to hear about your OH but as Lilith has said he has admitted to his problem which is a good thing. He's really lucky to have you as well as you are always so tremendously supportive of your family and friends.

    Have a good week Munchin.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 19/09/2018: £1168.59
    MONTHS TO RETIREMENT: 32!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Munchin
    • By Munchin 21st May 18, 7:12 PM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Thanks L, HHD & SS - I am relieved he's finally seeking help but heaven knows what is ahead of us but at least it is a start.

    Work - absolute pain in my a*** is on 2 weeks leave from Thurs. It will not fix that problem but will give me a break from dealing with his aggression.

    Money front - well I took a big delete button to my YNAB today. I have lots of categories and then when I fritter money I move money from 1 category to the other to cover the expense. I'm not supposed to be doing this for frittering .

    My YNAB now only has 4 categories -
    • Personal - which is the therapy sessions
    • Monthly - which funny enough are all the direct debits or expenses such as vitamins that go out each month.
    • Savings
    • Everything else

    My thinking behind this is that I have to be more careful with spends to stay within the amount in 'Everything' which covers groceries, diesel, nights out etc, I can't just drag money from another category (it makes sense in my head ).

    No harm in giving it a go and see if it works out any better for me. If I have money left over at end of the month in the Everything category then 1/2 will go to my spends and the other half to the credit card debt.

    I did have a spendy day as I was out for lunch with a friend and I paid this time but she will pay the next. I knew it was nephews birthday but I forgot it was my SIL big birthday this week as well and I haven't got her anything..... I will probably not see her until this weekend so I have a bit of leeway. I'm out for lunch tmw again but will try and pick cheapest thing on menu.

    Weekly spends- 19th - 25th May

    Budget left - £51.26

    Sat 19th - £28.29 (wine, card & £20 gifts)
    Sun 20th - NSD
    Mon 21st - £18.70 (lunch out & card)
    Tues 22nd - £2.99 (lunch) lunch with friend cancelled because of work so had to grab a sarnie
    Wed 23rd - £21.68 (lunch) - friends turn to pay but she forgot purse
    Thurs 24th - £14.15 (Sainsbury!!!8217;s trousers)- linen trousers in sale as old ones have - shrunk -in wash
    Fri 25th -
    Last edited by Munchin; 25-05-2018 at 6:52 AM. Reason: Can!!!8217;t count
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Munchin
    • By Munchin 22nd May 18, 6:53 AM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Morning,

    On train bright and early. I cant understand the trains WiFi as sometimes it lets me into MSE and other times I just get the circle of doom.

    I’ve been thinking about my spends for the week ahead and what I have to budget. Today could be an NSD or £30 if it’s my turn to pay for lunch (can’t remember). I also have to buy a birthday gift. Thurs should be an NSD. The weekend might be 1 takeaway and the rest will be raiding the cupboards. Next week starts with the bank holiday then a podiatry appointment followed by the dentist ... fun, fun, fun. I have the podiatry and dentist funded in monthly spends.

    I’m going to do some surveys now but don’t have the heart as I nearly always get screened out.
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

    • Munchin
    • By Munchin 25th May 18, 7:07 AM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Morning,

    On train into work & doing ok.

    I had a really productive therapy session on Wed and everything seems good.

    Spends have been a bit higher than planned but sometimes that’s the way it happens. I bought a pair of trousers from Sainsbury’s yesterday but I was going to get my usual ones from Next but the Sainsbury’s ones look the same and are cheaper. Funny how I’m happy to buy Primark clothes but turn my nose up at supermarkets. I didn’t think I was a retail snob but there you go... learn something new everyday .

    Went to a friends house for coffee yesterday and she has some health problems. After she told me her woes she said ‘OMG we are at that age when we are comparing our ailments’. I’m more optimistic than her and I reckon we have a good few years of comparing our silliness still in us. I also found out a friend has cancer in multiple places and it’s knocked me for 6. She is such a good person with a hubby and young son, as if cancer should discriminate on personality. Hopefully the treatment which starts next week will be successful.

    Last night I made myself an omelette with chirizo, peppers and tomatoes to have for breakfast but as usual I ended rushing out door with it stuffed in my lunchbox.. but it is calling to me . I’ve also got my lunch packed so at least I’m attempting to be more organised

    This weekend OH is working on Sat and then we are planning to go for a walk and a local fair on Sunday. Monday I’m not sure about yet but We will see.
    • Munchin
    • By Munchin 25th May 18, 3:59 PM
    • 2,383 Posts
    • 7,377 Thanks
    Munchin
    Afternoon,

    It's a gorgeous sunny day and it's a bit of a pain watching people sunning themselves on the steps of the city hall while I'm in work .

    I popped out today and got SIL her birthday present and with buying a gift bag I spent £25.98. I then popped into M&S and got their Dine in for £10 offer + other bits for £14.35 but I had our final gift voucher to use so only spent £4.35. I got a chicken so that will cover a few meals. I have £20.93 left in the budget and on one hand I'm really pleased I still have £20 left but on the other I should of hand at least 5 times that if I hadn't been frittering.

    This weekend the big spends will be -
    • flights for 5 people to England - (sister will owe me 1/2)
    • Deposit for our sunny holiday in Sept
    • Cost for accommodation in England.
    • £150 for lorry load of stones for yard.

    1 hour to go and then I can escape to my home

    Weekly spends- 19th - 25th May

    Budget left - £20.93

    Sat 19th - £28.29 (wine, card & £20 gifts)
    Sun 20th - NSD
    Mon 21st - £18.70 (lunch out & card)
    Tues 22nd - £2.99 (lunch) lunch with friend cancelled because of work so had to grab a sarnie
    Wed 23rd - £21.68 (lunch) - friends turn to pay but she forgot purse
    Thurs 24th - £14.15 (Sainsbury trousers)- linen trousers in sale as old ones have - shrunk -in wash
    Fri 25th - £25.98 SIL pressie + £4.35 M&S.
    Scrimpy Challenge 1 - Banish the CC £2520/£1965 (21% paid) (10 months to debt free....again)
    Scrimpy Challenge 2 - Emergency fund - £322/£5,000(6%)
    Scrimpy Challenge 3 - Dream Holiday - £500/£2500 (20%)
    Eat wise, drop a size - x/42

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