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  • FIRST POST
    • Anoneemoose
    • By Anoneemoose 5th Sep 18, 4:34 PM
    • 2,024Posts
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    Anoneemoose
    My 'I Need A Diary' Diary!!
    • #1
    • 5th Sep 18, 4:34 PM
    My 'I Need A Diary' Diary!! 5th Sep 18 at 4:34 PM
    Good afternoon to anyone who might read this!

    I've been wanting to do a diary for ages but always put it off in favour of reading other people's!

    My aim for the diary is to control my willy nilly spends while bored - - and ultimately pay off our revolving credit card balance. We're lucky that it's not much compared with some, but obviously it would be better to get rid of it. Then I want to concentrate on building an emergency fund or possibly aim for both at the same time.

    About me..there's me, Mr Anon, and 2 small Anons (12 and nearly 9) who live at home and then there's a bigger Anon who's just finished uni and moved in with his gf. Mr Anon works. I don't as I have ME and Fibromyalgia and had to give it up. Hence my boredom and subsequent spends.

    One of the things I've been concentrating on since last pay day is cutting grocery and food spends because we tended to waste a lot I'm ashamed to say. In my defence, a lot of the times that was because of my illness symptoms, so we are experimenting with different methods of shopping and cooking.

    That'll do for now but I shall post again later with some figures and specific aims.

    Anon
Page 1
    • Anoneemoose
    • By Anoneemoose 5th Sep 18, 6:55 PM
    • 2,024 Posts
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    Anoneemoose
    • #2
    • 5th Sep 18, 6:55 PM
    • #2
    • 5th Sep 18, 6:55 PM
    So, our total debt at present is £7350.64. All on 0%...most of it until December 2020. Some is Argos BNPL, some of which is due in Nov and we’ll have it to pay off. I should maybe do a signature but I’ll have to learn how lol!

    I’ll be honest and say that we’ll be spending some money in the next couple of months, including borrowing £1000 from DH’s parents. This is because we’re decorating both the hall, stairs and landing and our bedroom. And my in laws really don’t mind lending us it and say we can pay back however and whenever without any expectation. Obviously we wouldn’t not pay it back or even leave it too long but it’s good to have the option. We’re lucky they’re reasonably well off and are happy to do this. And we don’t mind as it’s towards the house.

    We use YNAB and as part of this have allocated budgets for things. We are lucky we generally have a surplus (on paper anyway), but realistically we’ve been going over our budgets and then pay the overspend back with next month’s surplus. And then of course we rinse and repeat the cycle most months.

    So my first mini goal is to aim to stay on budget at least. Then I will look at reducing the budgets if possible. One thing we’ve done previously is set ‘wishful thinking’ budgets which we have inevitably gone over which then led to ‘we’ve already gone over, what the heck’ spends.

    Today’s postives are that I made homemade pizza for the rest of their teas and also a fridge bottom quiche for me, which I had for lunch. That used up a wrinkly pepper, some floppy spring onions and a few mushrooms.

    I will be spending around £7 this evening as I am catching up with my friend and getting a takeaway..I usually just get chips, cheese and salad.

    I also have to go to T3sco and get some baking supplies. I’m making my sister’s engagement cake for Saturday. I have already allocated the funds for this in YNAB under gifts as I am making it as a present to them.

    Plan for tomorrow is that the kids will have McD’s (budgeted) and DH and I will have salmon and potatoes. I will also be baking the cakes and getting prepped. I shall be popping to Home Bargains to pick up cling film, foil and baking paper.

    Anon
    Last edited by Anoneemoose; 05-09-2018 at 6:58 PM.
    • another casualty
    • By another casualty 5th Sep 18, 7:06 PM
    • 3,685 Posts
    • 5,752 Thanks
    another casualty
    • #3
    • 5th Sep 18, 7:06 PM
    • #3
    • 5th Sep 18, 7:06 PM
    Howdy !
    Nice diary . I never really bothered with diaries . For obvious reasons , I'm on diary no.3
    Wishing you all the best .
    • Anoneemoose
    • By Anoneemoose 5th Sep 18, 7:38 PM
    • 2,024 Posts
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    Anoneemoose
    • #4
    • 5th Sep 18, 7:38 PM
    • #4
    • 5th Sep 18, 7:38 PM
    Ha, I may end up that way! Thank you for your good wishes.

    I'm hoping that doing the diary will serve the purpose of relieving boredom too..if I'm posting here, I canít be spending too. I hope anyway!
    • 117pauline
    • By 117pauline 5th Sep 18, 8:02 PM
    • 684 Posts
    • 7,501 Thanks
    117pauline
    • #5
    • 5th Sep 18, 8:02 PM
    • #5
    • 5th Sep 18, 8:02 PM
    Hi there

    I too have fibromyalgia along with a host of other maladies.

    My main suggestion is to cook in advance if at all possible. I tend to make tomorrow's meal as I finish off today's if you know what I mean.

    Come up with arange of meals that you all enjoy then come up with a meal plan. When you feel well, try to double up some meals so you have something in reserve for those difficult days. However I am definitely not suggesting that you do loads all at once as that will only end in tears!

    I use ad breaks as a way of getting even a little done.

    But it sounds as though you have an aspirational rather than a true SOA. I recommend a spending diary where you record every little spend. If you can, add in your mood, time of day etc so you can identify your weak moments.

    Come up with an attempt at your SOA and make some allowance for treats etc.

    Good luck
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • beanielou
    • By beanielou 5th Sep 18, 10:23 PM
    • 58,063 Posts
    • 239,115 Thanks
    beanielou
    • #6
    • 5th Sep 18, 10:23 PM
    • #6
    • 5th Sep 18, 10:23 PM
    Happy shiny new diary

    Another one who does wee bits & bobs in the add breaks
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Anoneemoose
    • By Anoneemoose 5th Sep 18, 10:54 PM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    • #7
    • 5th Sep 18, 10:54 PM
    • #7
    • 5th Sep 18, 10:54 PM
    Hi there

    I too have fibromyalgia along with a host of other maladies.

    My main suggestion is to cook in advance if at all possible. I tend to make tomorrow's meal as I finish off today's if you know what I mean.

    Come up with arange of meals that you all enjoy then come up with a meal plan. When you feel well, try to double up some meals so you have something in reserve for those difficult days. However I am definitely not suggesting that you do loads all at once as that will only end in tears!

    I use ad breaks as a way of getting even a little done.

    But it sounds as though you have an aspirational rather than a true SOA. I recommend a spending diary where you record every little spend. If you can, add in your mood, time of day etc so you can identify your weak moments.

    Come up with an attempt at your SOA and make some allowance for treats etc.

    Good luck
    Pauline
    Originally posted by 117pauline
    I’m hoping my first time at multi quoting works!! Thank you for the tips. It’s much appreciated. I’m sorry to hear you’re a sufferer too.

    I can’t batch cook and freeze sadly because one of my ME symptoms is a hypersensitive sense of smell and nausea and I actually cannot stand the smell of cold (defrosted) food...it makes me retch and puts me off eating. That being said, I have been using my oven’s slow cook function regularly as I can pretty much chuck things in on a morning. Sometimes Mr Anon will peel and chop and I just put it all together and switch on. And the good thing is it’s not risky if I’m having a really bad day because it can be left.

    We do record all transactions on YNAB so that’s a spending diary, however it doesn’t track if for example we take cash out for a takeaway, what we do with the leftover change. Most of the time though, it will be DH’s lunches. He usually gets a sandwich for a £1 from work.

    I have done an SOA, although I’m not sure it’s still saved, but I’ll have a look. I daren’t post it on here because it contains a lot of extravagance! Mainly things like I get my nails done every other week..and I know this is an unnecessary luxury but it serves the purpose of getting me out of the house and having a cuppa and a chat with the girl who does them. She’s a friend of a friend. I don’t have many friends left now, I lost a lot when I got ill and left work. It’s upsetting but it is what it is and I can’t dwell too much otherwise it uses precious energy.


    Happy shiny new diary

    Another one who does wee bits & bobs in the add breaks
    Originally posted by beanielou
    Thank you for popping in! I do try and do things in short bursts too. I went through a phase of trying to get everything done first thing but then I’d be broken afterwards. I’m getting better at pacing but it’s not always easy or even possible when you have littlish people!

    Well, tonight’s a first for me. I went to T3sco and only came out with I needed. I picked up a gorgeous skirt but then put it back!! Normally I would wander round and pick up things that ‘might come in handy’.

    I’m going to aim for some NSDs, however, when I refer to them, I will mean any unecessary spend days. As this is where my problem lies. Anything that’s budgeted for (like petrol for example) will be classed as necessary because we can’t do without it.

    I had a lovely catch up with my friend. I spent £7.39. Also, T3sco have stopped doing their basic brand of chocolate which I normally use in ganache, so I will have to use Aldi’s which is good, but not always available or quite as reliable. It will however save me money as it’s only 30p per bar instead of 55p so that’s a bonus.
    Last edited by Anoneemoose; 05-09-2018 at 11:15 PM.
    • Anoneemoose
    • By Anoneemoose 6th Sep 18, 4:32 PM
    • 2,024 Posts
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    Anoneemoose
    • #8
    • 6th Sep 18, 4:32 PM
    • #8
    • 6th Sep 18, 4:32 PM
    Todayís been good. No spends apart from the budgeted McDís for the littler Anons. I havenít yet been out for my baking supplies, so will probably pop to Home B@rgains later. And A1di is on the way. That will be a test..not picking up things I Ďneedí in those two shops!! Mini challenge for me.

    I baked the bottom cake of my bottom tier today (itís going to be a double height bottom tier with a normal sized but smaller diameter top tier) - with a little help from DH..I need supervision with oven and things. Itís a good job he knows my recipes!

    Iím feeling rather wiped out today so have been resting other than the cake.

    I stupidly forgot to get the salmon out of the freezer so will have to think of something else to have to eat. I think I have stuff in for pasta bake of some sort so we will probably do that. Normally this would be the kind of situation where takeaway would be resorted to, but Iíve come to the conclusion Iím not actually that keen on takeaways.
    • Anoneemoose
    • By Anoneemoose 10th Sep 18, 9:28 PM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    • #9
    • 10th Sep 18, 9:28 PM
    • #9
    • 10th Sep 18, 9:28 PM
    Wow! What a busy weekend. I spent a lot of time finishing my sisterís cake. Then it was the party on Saturday evening. We didnít spend a massive amount on drinks etc as my MIL came too and insisted on paying for lots!! I donít drink at all so I did the driving. It was a very late night and I have been paying for it since. I pretty much did nothing at all yesterday and today. Iím suffering with lots of pain and other symptoms, but it was actually worth it to have a normal night out for once. Mr Anon had a few shandies! He doesnít drink often so it was nice for him to let his hair down.

    Budget wise, I spent a few pounds in H0me Bargains today, on actual needs. Soap, teaspoons (because they seem to end up with the odd socks), cling film (because I didnít get it the other night and wasnít paying £4 in Sainsbugs for 10m when itís £1.29 for a 60m refill in HB).

    Iíve been sticking to my groceries budget and weíve been cooking. I do prefer it to takeaway.

    My aim for the short term is to stick to our budgets as they are and up to now thatís going well. We have a meal out on Saturday night, for our nephewís 21st. It shouldnít be massively expensive though. Weíre just having mains and cake (which yours truly will be making).

    I uploaded a couple of receipts to Shoppix and am very nearly at a £20 payout! Will probably get either an Amazon voucher or PayPal. I read about some other similar apps so will have a look at those.
    • Anoneemoose
    • By Anoneemoose 13th Sep 18, 11:37 AM
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    Anoneemoose
    Hi diary!

    So, I added up our debt and it's a bit more than we thought. I said 'about £7000', but as you can (hopefully) see from my signature, it's actually nearer £8000. Things are a bit upside down still with the house but once we get organised, I am going to try and find things to sell. I never seem to have much luck with selling things as I either don't make anything or things don't sell. I will maybe have a look on the eBay forums and see if I can pick up some tips.

    Having said that, I have already sold my Nutribullet -- and hopefully a piece of caking equipment. I'm thinking of streamlining all of my cake stuff, so hopefully that will get me some pennies. What I make from those will go straight to paying off one of the cards.

    CC 2 in my signature is an Argos card, BNPL, due in November, so £586 will be getting paid off that then. I will allocate funds in the next couple of months.


    I have had a few NSDs (non essential or not budgeted for). My groceries budget is still coming in under, with plans for the whole of next week, so fingers crossed that will stay that way.

    All positive at the minute - I just need the house sorting!
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • *slavetothevibe*
    • By *slavetothevibe* 13th Sep 18, 12:04 PM
    • 8 Posts
    • 24 Thanks
    *slavetothevibe*
    great new diary! i look foward to reading xx
    • Anoneemoose
    • By Anoneemoose 21st Sep 18, 10:20 PM
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    • 2,429 Thanks
    Anoneemoose
    Dear Diary, I’m sorry I’ve neglected you!

    Nothing much to report as I’ve had lots going on with the house. Sadly, it’s been more costly, but I shouldn’t really be surprised..our house has always been awkward!

    On a positive note, I’ve stayed under budget on a few things this month, so that’s good. And by that I mean the things I would normally go over, like groceries and ‘fun money’. I bought some metal water bottles in the summer so my daughter has been taking that to school with filtered water in. They keep it really cold so she’s been enjoying it. That actually saved us around £14 on the little bottles of water she used to get with her lunch. And it’s less plastic waste which is always good! All of our other budgets have been about right, give or take a couple of £s.

    I have just got my first £20 voucher from Shoppix so got an Amazon one as I regularly get a couple of things from there. And I think I’ve got some cake stuff that will sell, so that’s hopeful.

    I’m trying to jiggle stuff about for the house stuff so we can pay back what we borrowed. Just working things out.

    Another thing is that my Mr Anon’s pay date is changing from the 25th to the last working day of the month, which means in November we’ll have to stretch an extra week or so. I might pick up an extra freezer or store cupboard item with each food shop between now and then. Even if it means having a week of ‘shove in the oven’ dinners.

    I won’t leave it as long next time..
    Last edited by Anoneemoose; 21-09-2018 at 11:14 PM.
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • Anoneemoose
    • By Anoneemoose 25th Sep 18, 7:48 PM
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    • 2,429 Thanks
    Anoneemoose
    Well, itís payday here. All budgets and funds sorted in YNAB. I love a fresh new month!

    My aim again for this month is to stick to our budgets again and then once we get into the habit of doing that properly, maybe up until Christmas, I will look at reducing each one.

    Iíve managed to sell a couple of pieces cake equipment, so thatís a total of £70, £32.64 of which is already in the bank. I will use this to pay one of the credit cards.

    I also noticed that Halifax is doing a round it up type thing, where when you use your debit card, it rounds your spend up to the nearest £1 and then transfers it to a savings account. Iím not sure whether thatís the sort of thing that would work though. Maybe weíll give it a try.

    Went to Home B@rgains and only bought what I needed. Yippee!

    On the downside slightly, weíve had a payday takeaway from KFC, which was a treat. And out of our fun money budget. It was rather helpful too, to be fair. My daughter (and I) were up half the night as she wasnít very well. Iíve been struggling pain wise for a week or so, so it was good not to have to worry about cooking. Must get something sorted for tomorrow though.
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • Anoneemoose
    • By Anoneemoose 9th Nov 18, 12:16 PM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    Well, I have been missing in action for quite a while...oops! I was determined not to let that happen, so here I am back again. In fairness, I have had a lot going on. We finished our bedroom (including self assembling Ikea wardrobes for Mr. Anon ). Mr Anon had also severely sprained his ankle at this time so it took some doing. We've also got DD suffering from some kind of mystery leg pain. We've been to the docs with no progress or idea of what it could be so my next step is to take he to a podiatrist, in case it is foot/gait related.


    Back to the finances. I got to the point where I felt like I was landed with the burden of sorting everything out and allocating what we were spending our money on, when Mr Anon was just oblivious to it all (even though he has access to all of our information). So, we had a heart to heart and he is on board. We have been working together over the last few weeks to make sure we stick to our budgets and it has been so much easier to achieve while we're singing from the same hymn sheet, so to speak.


    We added up all the debt after borrowing some off his parents to finish the bedroom, and I've updated my signature to reflect this. It's a bit embarrassing but it is what it is and that will be the last time it will be that high.


    My aims for the time being are to keep within budgets and post regularly to help keep me motivated. I've sold some things and also cashed out £40 from Onepoll, so that's all helping. We're still going to have takeaway once a week, but we've allocated for that. Last week, instead of takeaway, we went to the seaside for fish and chips and a £1 on the 2p machines and we had such fun!


    I've spent on some laundry liquid and some wraps, strawberries and mince pies today, and we may have a our takeaway later so there'll be that, but otherwise, that should be it.
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • Anoneemoose
    • By Anoneemoose 10th Nov 18, 7:22 PM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    Well, I couldnít sleep for ages last night..no particular reason, just one of those nights. And then woke up early even though I could have laid in! Typical!

    Today has been an NSD, apart from milk, which technically wonít get used until tomorrow, but my Sains delivery wonít come until after itís needed for my morning coffee .

    Iíve also made some fudge, using an out of date tin of evaporated milk and leftover bits of caster/icing sugar.

    Weíve also decided to have my in laws over for a buffet type tea tomorrow. Itís their anniversary and they normally have us over every Sunday, so we thought weíd give them a break.

    Aiming for an NSD then too, apart from grocery shopping, which will include a few extras for the party, but weíre trying to do it quite cheaply, using what we already have in.
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • Anoneemoose
    • By Anoneemoose 12th Nov 18, 12:33 PM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    Yesterday was lovely - it was a nice change to have my in laws round, and our niece is such a cutie!

    Our buffet tea cost slightly more than anticipated, but not too much - and Mr Anon managed to get some yellow sticker bargains to use. We also have a few leftovers, which will be used for lunches for the next couple of days as Mr Anon is working from home. That will save the money he would have spent in the canteen.

    Today should be a NSD. I am going to see The Full Monty show tonight, but it's already paid for, including an ice cream and drink.

    I was up ill last night so hopefully just resting for the afternoon.
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • Anoneemoose
    • By Anoneemoose 13th Nov 18, 1:24 PM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    Afternoon, diary!

    Well, last night was hilarious..really enjoyed myself and didnít spend a penny! Today, Iíve had a little bit of a spend - had to put £10 in a card as DS2 is going to his friendís house for a birthday tea. Then I went to Lidl and spent £7.56 on some of the non toxic cleaning stuff, as I usually use method, but these were recommended.

    I realise I havenít really set out plans for debt repayment as yet. At the minute, until after Christmas, we will just be paying the minimum on the credit card. Then once Christmas is out of the way, we will be throwing all our spare money at it, as well as doing a £100 standing order to my in laws each month to repay the debt to them. Weíll also look at skimming our budgets as well, if possible.


    November and December are expensive times as we have DS1 and DS2ís birthdays four days apart. And then thereís Christmas! We do set aside money for these things, but weíll need to top it up, hence not paying any more than the minimum until the new year.
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • Choccygirl123
    • By Choccygirl123 13th Nov 18, 1:38 PM
    • 195 Posts
    • 282 Thanks
    Choccygirl123
    Hi anon

    Good to see you back posting again and it sounds like you're really focussed. We're the same just trying to create good habits before Christmas. My aim is not go over the budget then giving up for the month and blowing more.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - £27.75 / £240.00
    • Anoneemoose
    • By Anoneemoose 14th Nov 18, 11:45 AM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    Morning (just)!

    Been to Sainsbury’s for some milk, fruit and bread so spent £7.90 there. Should be an NSD for the rest of the day apart from parking possibly. I’m popping into town with my mum, DD and DS2 to get some trainers for DS2’s birthday (from my mum and dad).

    Just popped some bolognese (all from scratch) into the oven on slow cook, which will be made into lasagne (white sauce from scratch too) for tonight’s meal. I managed to chop the onion ok, but my hands hurt now! I also ‘peeled’ my thumb and grated my knuckle the other day. I hate not being useful so try every now and then to do this sort of thing and look what happens! My hands are sore.

    I need to rest before going to town with my mum so I’m going to do that until school run time, then hopefully I’ll have some energy to get there and back. Will have a quick check of Onepoll first though.

    Until next time.....
    Last edited by Anoneemoose; 14-11-2018 at 11:56 AM.
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
    • Anoneemoose
    • By Anoneemoose 14th Nov 18, 12:03 PM
    • 2,024 Posts
    • 2,429 Thanks
    Anoneemoose
    35p on Onepoll!
    CC1 - £8115.92
    CC2 - £758.43
    Parent Loan £1500

    Total £10,374.35
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