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
    • crunch_time
    • By crunch_time 16th Jun 18, 12:12 PM
    • 1,162Posts
    • 3,460Thanks
    crunch_time
    Crunchy's Final Debt Free Diary!
    • #1
    • 16th Jun 18, 12:12 PM
    Crunchy's Final Debt Free Diary! 16th Jun 18 at 12:12 PM
    Hello everyone!

    Yesterday I celebrated 4 years of keeping a diary on here!

    So much has changed in that time. We have moved house twice, welcomed our daughter into the family and paid down a whole lot of debt and also racked up a whole lot more.

    Last year we managed to pay off around 12k of a loan in about 5-6 months and a year ago we had only 2800 left to go. We then decided to move and at the same time I quit a job I hated to do a course and I'm now about to set up a business doing something that I love.

    Moving house and living off one income has meant that we are now around 13k in debt again. I no longer feel guilty about it I just want to pay it off as soon as possible in a sustainable way that has little impact on our current living standards (we are quite frugal but could def improve).

    I'm calling this the final diary as I really mean it. This is my 5 diary I think in 4 years and we want to get our lifestyle nailed once and for all so we don't have to do this again and can move onto tackling our HUGE mortgage!

    I look forward to this challenge and hope that you will join me!

    Crunchy x
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
Page 2
    • crunch_time
    • By crunch_time 29th Jun 18, 10:57 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Morning all

    Pay day is finally here! 20 extra for some reason! More towards the EF.

    Three out of four credit cards have been paid - min amounts. Just need to pay the 4th one, take the cash out for the pots and then save the excess into a savings account.

    Food shop done 71.
    Toiletries, cleaning products and pet food done 58
    Diesel bought - 50 - aiming for this to last the week. It really should do.

    We have a quiet weekend planned of weeding, car washing, BBQ, paddling pool etc.

    Next thing I am working on - frugal meals!

    Crunchy xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 29th Jun 18, 2:10 PM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    I'm just stopping by to say I have updated my signature into a more simple one. EF is currently at 44 and we have paid off 220 of the debt so far!! Debt currently stands at 12,896 so we are not in the 'teens' anymore which is a great start!

    This month my main focuses are sticking within the food budget and weaning the husband off his credit card.

    Crunchy
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 2nd Jul 18, 9:14 PM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Evening!

    Tax rebate has come through so the EF line of signature has been updated! I will have to dip into it as forgot to budget for a wedding present (50). Husband also had an impromptu trip to London for work which involved catching up with a friend over drinks so we may need to chip into it again by the end of the month.

    I have paid the nursery bill which was as budgeted - 45. We won't have to pay anything in August as she wont be there but we will have to pay 100 a month roughly from September. We qualify for the 30 hours but the government doesn't pay the nursery enough money to cover its costs so they charge an extra 1 an hour she is there. We have decided to set up childcare vouchers from September. Our annual bill will be 1014 for the academic year but makes sense to claim as husband is a higher rate tax payer.

    I'm coming to the end of my course in the next few weeks so will be ready to hustle come the end of this month. Absolutely LOADS to do this month then!

    Still doing our best to breathe in this month but might have to dip into the EF - but at least it is there and we can top it properly next month with husbands pay rise.

    Crunch xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 3rd Jul 18, 10:08 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Morning

    I have rung up the children's swimming provider today and got the low down on how the direct debit works. First payment won't go out until 20th August so the money I have put aside for this month can be swished into the emergency fund! Hurrah! So it now stands at 554!

    However, My sunglasses have broken so I need to buy another pair today, Nothing fancy but setting a budget of 20 so this will go down later. I also might not have enough money in the haircuts pot this month. Will look at this later - may have to make a withdrawal from the EF for this.

    Crunchy x
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 13th Jul 18, 10:50 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Wow - ten days since my last update! Sorry!

    We've been very busy.

    - Stuck to budget for new sunglasses - 20
    - Hair up for the wedding we went to at weekend was - 35 - more than I expected but it did look pretty

    Both theses have come out of emergency fund.

    - DD for breakdown insurance has come out of my account - 35! Must be an automatic review. I'm sure I can get it cheaper so shall investigate. Money will come out of emergency fund.
    - Husband got a parking ticket the other day - bit bleary-eyed from wedding and just forgot. Annoyed. Another emergency fund thing! But I can't find where the paperwork is at the moment.
    - we have just enough food money to last the month so long as we are sensible. Same with fuel but may have to dip into it for some spending money but aiming to keep the next few weekends frugal now the wedding is over with.

    Payday is two weeks today! I will be launching my business in the next two weeks so its about to get verrrrrrry busy over here.

    Crunchy xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 23rd Jul 18, 10:25 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Gosh

    Another ten days since my last update! Lots to update on.

    Payday on Friday so looking forward to that. It looks like we will have 200 in the emergency fund but no more credit card debt! We have dipped into the emergency fund when we have needed it so all in all this is good progress and we are slowly turning around the tanker back onto the straight and narrow.

    I have 200 spending money to entertain the kids these summer holidays for 5 weeks and then we go on holiday for a week. We wrote a list of things we would love to do with a variety of cost options from free to visiting the local zoo - 50!! So it's going to be about pacing ourselves and I will get them involved with the budgeting. I'm planning on taking out the 200 and putting it in a jar and help them divvy it up according to activity. I also have 200 fuel money which I am hoping I will have change from.

    According to my budget, we will have about 200 left over from the monthly outgoings to top up the emergency fund which will make it 400 ish which is great! But we also have a terminally ill cat that I will need to pay 15% of remaining treatment costs for which currently stand at 600 ish. Poor boy.

    I'm not feeling great about the amount of interest we are paying on credit cards - 80 to 100 month so need to come up with a plan to reduce this if possible. Husband was rejected for a credit card a few months ago and I can't access anything right now since I am unemployed/ self-employed.

    So much to do and sort out. Must go!

    Crunch x
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • Linz4383
    • By Linz4383 24th Jul 18, 3:11 PM
    • 6 Posts
    • 47 Thanks
    Linz4383
    Subscribed !!!55357;!!!56833;!!!55357;!!!56833;
    • crunch_time
    • By crunch_time 27th Jul 18, 7:45 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Morning all!

    Payday today - not sure how much it is exactly as some is expenses.

    I've reduced the overdraft from 1100 to 1000 and topped up the emergency fund so it stands at 575 (but some will be for vets bills) but other than that feeling flat.

    I thought I had done really well with sticking to budgets and we had the emergency fund to dip into for things unaccounted for but then I notice the husband has racked up more debt on his credit card. It really frustrates me and I don't really know what to do about it. He has had to buy some equipment for an event he is participating in but I don't know what else. Will have to look at his statement.

    In other news I've launched my business but got no clients yet. Must keep on trucking.

    Right - off for a shower and then to do a reccy of toiletries and cleaning products ready for a big shop today.

    Crunchy xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 29th Jul 18, 12:11 PM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Had a little chat with the husband. Told him his buy now pay for it later ways have got to stop and his attitude of we earn enough money does not justify buying stuff on credit cards.

    I told him now we have a small amount of emergency fund, we use this if we need to buy anything that doesn't come out of our food/fuel/spending money budget and he absolutely is not allowed to buy anything on his credit card unless it is discussed with me first i.e. so i can make sure I pay it off/check that we really need it.

    This is my own doing really. I just want him to be happy and feel guilty that he supports me financially by being the main breadwinner at the moment.

    I've been looking at costs for our summer bucket list. I thought 200 was quite generous and would enable us to do loads but visiting two attractions in our county with just me as a paying adult would cost 55 per each attraction visit!!!! Don't worry, we have lots of free stuff on our list too but what!! I feel differently this summer compared with how I did the previous two summers of being a mum of two. I feel I can entertain them more in the house and not have to go out a lot for sanity reasons. We have decided to do a big family art project - making a desert island for the Playmobil with paper mache, paint, and paper. I've longed to do art projects for a while now and finally feel now DD is nearly 4 that we can all benefit from them!

    Going back to the husband chat, we also discussed that we feel we don't have to keep up with everyone anymore. Not so much keeping up with the Jones in a financial sense I mean constantly doing stuff with friends and family that costs money. There was a time when I would have made plans with someone every weekend as a way to show up in the world and life felt chaotic at times and that we rarely had time just to be ourselves. Now we may go a few months without seeing individual friends and I feel its nicer as you have more to chat about and you don't feel awful if its only been two weeks and you have literally just worked/slept/raised children in that time. I'm saying this as one of the first people in a lot of our friendship groups to have children. Waaaay before kids I had a friend who was single whilst I was happily couple up with husband, who would insist on seeing me a couple of times a week and ask me what I had been up to. I felt inadequate at saying er working? and watching telly? You do not do the same? I realise this was more about me but it built a foundation of insecurity about being the massive introvert that I am and probably meant that I said yes more than I should of in the past because of a fear of letting people down.

    I have a quote now in my study right in front of my desk that says 'You aren't missing out on anything when you're busy getting your life together and working towards your dreams and goals.'

    I'm not missing out on pleasing other people. It's time to please myself. And not do anything I dont want to if it means spending money I dont want to.

    Finally, at the age of 36 I feel I know what this means and can implement it. Friendships are harder when you get older! Anyone else find this?

    Crunchy xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • enthusiasticsaver
    • By enthusiasticsaver 29th Jul 18, 12:26 PM
    • 7,280 Posts
    • 15,964 Thanks
    enthusiasticsaver
    I think you get more selective over friends as you get older. I no longer feel guilty at not making the effort to keep up with people I find mentally draining. I also resist those who brag about their foreign overseas holidays, new cars etc and only mix with people I feel enrich my life. It has inevitably reduced my social circle but we see more of the kind of people I love. Kind, interesting, thoughtful friends are the type of people I like to surround myself with and endeavour to be myself.


    Tough chat with the husband but you are right that the BNPL or credit card mentality that a lot of people have will throw your finances out. I took my husbands credit card away years ago and he has only recently got it back LOL. He understood and I think he just did not really twig how worried I was that our expenses were creeping up because he was buying without thinking if we really could afford it. He had a mentality well he earned good money so why could he not spend it on hobbies etc? I broke down our outgoings and laid it on the line that was it fair I had to scratch around to pay for childrens shoes, food, fuel etc while he was buying hobby equipment? Did he really think that was more important than basics? In the end we came to an agreement that personal accounts for hobby money, clothes, haircuts and general personal entertainment (not joint) was the way to go and a allowance went into each. I always have plenty in mine but he still struggles with his so he has started selling stuff to raise cash. In the past he could not be bothered to do that so I think this is a double win. He has to stay in budget as there is no overdraft on his personal account and he now knows there are fees if he goes overdrawn. I don't monitor his spending so don't nag him about it and leave it to him to take care of and our house is gradually being decluttered from stuff he no longer uses. Afer a few years of doing this he is now a lot better so has now been given a rewards credit card on my account with the instruction it is only for supermarket and fuel spends which is paid off in full each month.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • crunch_time
    • By crunch_time 1st Aug 18, 8:41 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    I think you get more selective over friends as you get older. I no longer feel guilty at not making the effort to keep up with people I find mentally draining. I also resist those who brag about their foreign overseas holidays, new cars etc and only mix with people I feel enrich my life. It has inevitably reduced my social circle but we see more of the kind of people I love. Kind, interesting, thoughtful friends are the type of people I like to surround myself with and endeavour to be myself.


    Tough chat with the husband but you are right that the BNPL or credit card mentality that a lot of people have will throw your finances out. I took my husbands credit card away years ago and he has only recently got it back LOL. He understood and I think he just did not really twig how worried I was that our expenses were creeping up because he was buying without thinking if we really could afford it. He had a mentality well he earned good money so why could he not spend it on hobbies etc? I broke down our outgoings and laid it on the line that was it fair I had to scratch around to pay for childrens shoes, food, fuel etc while he was buying hobby equipment? Did he really think that was more important than basics? In the end we came to an agreement that personal accounts for hobby money, clothes, haircuts and general personal entertainment (not joint) was the way to go and a allowance went into each. I always have plenty in mine but he still struggles with his so he has started selling stuff to raise cash. In the past he could not be bothered to do that so I think this is a double win. He has to stay in budget as there is no overdraft on his personal account and he now knows there are fees if he goes overdrawn. I don't monitor his spending so don't nag him about it and leave it to him to take care of and our house is gradually being decluttered from stuff he no longer uses. Afer a few years of doing this he is now a lot better so has now been given a rewards credit card on my account with the instruction it is only for supermarket and fuel spends which is paid off in full each month.
    Originally posted by enthusiasticsaver
    Sounds like a good plan! A lot of the time what he buys we do actually need but they are of small value and soon add up. And I don't think he quite grasps the concept of pacing ourselves. I do think his attitude is - we do alright and a lot of people are in debt so it doesn't really matter. There is no point getting stressed about it! It's hard.
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 1st Aug 18, 9:01 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Morning all

    Its the first of the month so I have ticked off the bills that have come out.

    I've been doing a lot of spreadsheet staring recently. Trying to figure out a plan of action regarding the credit cards. And the morning I applied for a 0% balance transfer credit card for the husband with a 0.6% fee. It's been accepted and they have given him a credit limit of 10k!!! Madness. But we might take advantage of this. One of our 0% deals come to an end in March so including this we currently owe 8854 that is accruing interest and costing 100 a month in interest

    With fees this will be around 8900 so if we pay 250 a month off it will take 35 months to pay off. This seems so much bigger than what we are already paying though although it really is not.

    Bottom line is I need to earn some money and soon to help sort us out again.

    We had a no spend day yesterday. Our plan for today is to weed the front garden and make playdough. But it won't be another NSD as having haircut later and then will aim to do some work this evening. No sniff of any clients yet but I've only approached 2 potentials. I shall be signing up for supply though and aim for two days a week. That should get this debt shifted and I will work hard to organise client work around it.

    Crunchy xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • Homegrown0
    • By Homegrown0 1st Aug 18, 11:28 AM
    • 239 Posts
    • 1,081 Thanks
    Homegrown0
    Sounds like a good plan! A lot of the time what he buys we do actually need but they are of small value and soon add up. And I don't think he quite grasps the concept of pacing ourselves. I do think his attitude is - we do alright and a lot of people are in debt so it doesn't really matter. There is no point getting stressed about it! It's hard.
    Originally posted by crunch_time
    This is exactly the attitude of my husband... he's generally not a big spender but because we earn well, and he doesn't take a lot to do with the finances, i think he just thinks all is ok! But when I'm trying to get the costs down so that we can overpay and get rid of cards, it's frustrating! He works really hard (as do i, of course) so I always think he deserves it but iI need to get myself out of that attitude until we're in a position to have more treat money.
    • crunch_time
    • By crunch_time 8th Aug 18, 7:59 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    This is exactly the attitude of my husband... he's generally not a big spender but because we earn well, and he doesn't take a lot to do with the finances, i think he just thinks all is ok! But when I'm trying to get the costs down so that we can overpay and get rid of cards, it's frustrating! He works really hard (as do i, of course) so I always think he deserves it but iI need to get myself out of that attitude until we're in a position to have more treat money.
    Originally posted by Homegrown0
    Absolutely feel the same - its a constant battle.
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • crunch_time
    • By crunch_time 8th Aug 18, 8:33 AM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Morning all

    I sadly had to have my beloved cat put down yesterday. It's so weird without him. Still waiting for the final bill from vets/insurers but at last estimate, it was around 180.

    I've also done two rather large food shops from Morrisons and Sainsburys this month including pet food and toiletries meaning I am over my monthly budget already. It doesn't help that its a 5 week month which I hadn't considered when I budgeted unfortunately so the emergency fund is going to well and will truly be eaten into this month.

    We went to the zoo the other day for the ear watering cost of 56 for just me and the two kiddies! A huge chunk of my 200 budget for summer holiday activities with 4 weeks left to go until payday. Eek!

    I've been working out what autumn clothing is needed including new uniform and again I'm horrified at the cost and amount. DD is nearly 4 and outgrown most of her clothes from last year. Its just relentless isn't it. I bought DS a coat when he was in reception which should have lasted him another winter but the stitching has come undone making it not very waterproof and I don't think I can repair it. Cross. Frustrated. I'm going to need to replace my own wellies and DD's wellies as they both have holes in. I'm going to do some research for the best ones to buy.

    In credit card news both of husbands credit cards have been balance transferred onto the new Virgin card for 32 months. I just need to sort out adding the 2060 of his which is currently 0% but runs out in March. Husband will then have about 5500 on credit card at 0% and the 1000 overdraft. I did want to transfer some of my debt onto it too but I'm reluctant as husband will need to apply for a loan to pay from our car in the new year which is coming to the end of its PCP and will be 12k but will reduce the monthly payments to 275 from 350. I'm planning to use the extra 75 to chuck at the 0% and get that cleared after the loan is sorted out.

    The 5500 credit card will take 28 ish months to clear then.

    Although I would love to be debt free sooner and have that badge of honour it is more realistic to say we will be debt free in 3 ish years. We need all our spare cash now to live our lives, create savings and pension plans and do the bits to the house that we need to do.

    My HSBC card offered me a balance transfer so I transferred 1000 off the sains card for 18 months. So we are now only paying interest on around 2500 of debt and this is the first one to be tackled by me actually earning some money. Ha ha!

    I have so many things to do to actually achieve this but not much time due to summer holidays and hardly getting any peace and quiet.

    So lots of plodding along at the moment. Hopefully a no spend day today and isn't it nice that it's a bit cooler!!

    Crunch xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • helsbell
    • By helsbell 8th Aug 18, 1:18 PM
    • 204 Posts
    • 1,128 Thanks
    helsbell
    Sorry to hear about your cat. Hope you're ok xx
    SPC 11, No. 062 DFD November 2020
    Aug 2017 B'card 5006.83 BoS 1086.59 MBNA 0 Total: 6093.42
    Aug 2018 B'Card 995.06 BoS 863.43 MBNA 3,644.98 Total: 5503.47
    9.68% paid off
    • crunch_time
    • By crunch_time 9th Aug 18, 4:10 PM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Sorry to hear about your cat. Hope you're ok xx
    Originally posted by helsbell
    Thank you for your kind words. I balled my eyes out on the day but Stratton to feel better but there is a huge cat shaped hole in my life x
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • Linz4383
    • By Linz4383 13th Aug 18, 9:43 AM
    • 6 Posts
    • 47 Thanks
    Linz4383
    Subscribed x
    • crunch_time
    • By crunch_time 8th Sep 18, 2:46 PM
    • 1,162 Posts
    • 3,460 Thanks
    crunch_time
    Hello everyone,

    Its been soooo long since I last updated my diary. I'm planning to get back on it now so we can start getting some order in our finances.

    We have managed to survive the school holidays without too much overspending and also been on holiday. Now its back to school on Monday and I.AM.SO.READY.FOR.IT.

    A few things to update you on...

    - I've paid off the 1000 overdraft with my savings leaving around 1800 left (of savings that is)
    - I have a huge vets bill of 876 to pay by February. Long story short - I thought I was insured but I was not and it's my vault. Felt absolutely awful. Husband said that the cat was worth it and I agree so have agreed with the vets to pay the bill by the end of February.
    - Husband has a 0% credit card currently standing at 5492 for 32 months!!!! The min payment is about 50 a month.
    - One of my CC's is 0% for about 2 years and stands at 3130.
    - The other one has 2060 at 0% and about 2500 paying interest. The min payment is about 100 and the amount of interest of that is about 30 so I have managed to reduce the interest we are paying from 100 a month to 30 a month was is great!
    - We plan to keep a float/buffer/slush fund of 100 and then save 100 a month into my savings account which will become our emergency fund.
    - We also plan to go abroad next year for the first time in 7 years because life is too short to wait around until the debt has been paid off and the house is decorated. I've stopped beating myself up about it now.
    - I've launched my business but am yet to have any paying clients! Ha ha! It's hard to do anything during the school holidays so I'm ready to hustle come Monday.
    - I've also registered for supply teaching to bring in some money towards our holiday.

    There are lots of big things coming up. Three out of the 4 of our birthdays for starters and then, of course, Christmas and we are hosting this year. We also want to finish off painting the kitchen and start on the sitting room.

    The aim is to not get into any more debt and slowly watch it go down. I'm planning to balance token payments of the vet bill with Christmas and birthday spending and save what I can towards it to smash it in the new year. if we don't manage that for some reason, the husband's credit card is always available and then our attention will turn to pay that off instead.

    So here goes. I promise to update more regularly from now on! And actually comment on other people's diaries.

    Grand debt total currently stands at 14,058

    Crunchy xx
    Sains 0% 2060/2060
    Sains 17% 3119/3119
    Virgin 0% 6678/6600
    HSBC 0% 2950/2950
    HSBC 17% 600
    Total = 15,407 / 15,330 Taking the sustainable scenic route.
    • Thistlewhistle
    • By Thistlewhistle 8th Sep 18, 3:38 PM
    • 1,084 Posts
    • 7,427 Thanks
    Thistlewhistle
    Hi Crunchy,


    Great to see you back with us again.

    I've been lurking for a bit and just started my own diary so I've subscribed to yours for some inspiration.


    Happy Saturday


    Thistle
    Mortgage at end 05/2007: 90200
    Mortgage at end 08/2018: 71646 paid 18354 (20.5%)
    MFD: Original:05/2042
    Car Finance: 8225 : 6392 (22.2% paid off)
    CC Debt (0% until 06/2020): 5640 : 4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
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

938Posts Today

6,944Users online

Martin's Twitter