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  • FIRST POST
    • Munchin
    • By Munchin 2nd Oct 18, 6:59 AM
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    Munchin
    Munchin's Marvellous Debt Busting Diary
    • #1
    • 2nd Oct 18, 6:59 AM
    Munchin's Marvellous Debt Busting Diary 2nd Oct 18 at 6:59 AM
    Morning

    I've decided to start a new diary as the old one was about trying to stay debt free when I had finally cleared my debt in January this year. Over the course of 3 diaries I have paid off £26,000 (approx) debt but unfortunately I'm back in debt...again . I know there probably doesn't seem to be any positives to debt but the difference now is that I have things to show for it. I've roughly calculated that I have (or will have) £6,300 worth of debt which is due to my credit card debt and I am in the process of getting a new bathroom in my Mum's house. I know the debt wont be more than the above figure but it will be close to it. I will update my signature with the total amount once I see the bathroom people on Saturday to confirm.

    In my last diary I wanted to focus on my savings and I still want to do that but realistically they will be curtailed as I want to be debt free by the end of 2019. I do have a savings policy maturing in 2019 which will be just over £3000 but I would like to keep that to really boost my savings pot. For those that know me ..I am such a fritterer...oh shiny bauble ...must buy BUT no more!!!!!

    This diary is going to be my attempt at a spending fast and to change the bad habits that keep dragging me back into debt.

    I still have the following aims for 18/19 -
    • Debt free by end of 2019
    • An Emergency fund for a rainy day - target £6,000.
    • A dream trip ...I had hoped for the Maldives but it is now looking like Sri Lanka as I have friends there.
    As I said in previous diaries 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 debt cleared.

    In the words of so many MSE'rs please pull up a chair, bring the Jaffa cakes and offer helpful advice (tell me off please )
    .
    Last edited by Munchin; 29-10-2018 at 7:15 AM.
    Scrimpy Challenge 1 - £972 paid - £4,260 left/£5,489 (17%) (PAYDBX 2019 - #12)
    Weight loss= -20lb lost = 27lb//47lb

    SC 2 - Emergency fund (s/t) - £300/£1,000 (30%)
    SC 3- Emergency fund (l/t) - £2050/£5000 (41%). SC 4 - Holiday - £2,100/£4,000 (52%).
Page 12
    • Munchin
    • By Munchin 29th Mar 19, 7:03 AM
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    Munchin
    Morning all,

    Thanks SSG & HHD .

    Finally rolling into the weekend . Sis is also going to dye my hair tmw which will save a few pennies and get rid of the grey. Really looking forward to tomorrow as we are going somewhere different to shop.

    I edited the last post because I had made a mistake on my weight loss and I had lost 18lbs and this morning another pesky 1 disappeared and I now have 19lb gone . I started at 13stone 5lb and today I'm on the 12 stone mark - on the cusp of the 11stone category. Of course work are having a big breakfast this morning and I'm also out to lunch at a burger bar today - will have to do a bit of damage control.

    Money front - I was tempted to go buy myself a 'proper' coffee this morning as a treat but then caught myself on and made a coffee which cost me £0. I do fall into the 'treat' mode quite a bit.

    I have 2 big payments left for the year - car needs serviced and I need to get heating oil. I think I will book the car in during my leave in May and hopefully I can stretch the heating oil to June's pay. That should give me a few months in the clear to build up the nest egg.

    Ok I have 2 papers to write today and I'm really really procrastinating as I don't have a clue what to write.
    • Munchin
    • By Munchin 1st Apr 19, 9:51 AM
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    Munchin
    Morning all,

    I am so missing that hour this morning. Busy weekend but really fun. I went shopping with sister on Saturday and went a bit over budget (£20 over) but I got so much and a lunch out. I have no excuse to hit the shops for the rest of the summer .

    Yesterday I went to a 10k race but just to support friends. The rest of the day was spent with lots of family who brought Mum loads of chocolates ...which didn't help with the diet yesterday.

    I am planning a run today at lunchtime - diet damage limitation. I think that is it really. This week I don't have any volunteering and am determined to take pup out for walks in the evening assuming it is dry.

    I've joined the 'lose weight thread' for their next 10 week challenge. I did well on the last challenge, so hoping this will keep me accountable.

    I am also away to join one of the NSD challenges - I really don't have any excuse for spending money this week (except for diesel), so I'm hoping to have a few NSDs.
    Scrimpy Challenge 1 - £972 paid - £4,260 left/£5,489 (17%) (PAYDBX 2019 - #12)
    Weight loss= -20lb lost = 27lb//47lb

    SC 2 - Emergency fund (s/t) - £300/£1,000 (30%)
    SC 3- Emergency fund (l/t) - £2050/£5000 (41%). SC 4 - Holiday - £2,100/£4,000 (52%).
    • Munchin
    • By Munchin 1st Apr 19, 9:52 AM
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    • 8,350 Thanks
    Munchin
    Weekly spends - w/c 01st April 2019

    Mon - NSD 1
    Tues - NSD2
    Wed - £12.24 Tesco groceries
    Thurs - £9 McDonalds (soft touch for nephews) & £35 diesel
    Fri - NSD 3
    Sat - £17 (primark)
    Sun - £1.60 (paper for mum)
    Last edited by Munchin; 07-04-2019 at 11:41 AM.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 1st Apr 19, 3:38 PM
    • 8,919 Posts
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    HairyHandofDartmoor
    I'm glad you had a good weekend .

    Good luck with getting back on track with the weight loss. I'm sure walks with the pup will help .
    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.
    EMERGENCY FUND 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • Munchin
    • By Munchin 7th Apr 19, 11:52 AM
    • 2,574 Posts
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    Munchin
    [FONT="Comic Sans MS"]Afternoon all,

    I've been up from the crack of dawn and am tired today - I've not slept well all week but that happens every now and again for me and at least I know it's not a regular thing.

    Yesterday I met a friend for breakfast and pootled into Primark - spent £27 but taking half of it back. I didn't realise that my monthly friend was on it's way (it's been playing silly beggars recently) and I can almost see my frittering increase just before that hits. I could kick myself when the 'sod it' feeling comes over me. Not the end of the world and I'm due back in town on Friday as I have a hospital appt and will return the odds and sods. My friends and I are going to see Cher in Nov and tickets went on sale on Friday - £98 + fees!!!!!!!! I haven't given my friend the money yet but are concerts getting ridiculously expensive or is that just me????? Will be a class night as there is a big group of us going.

    I read a new ED recovery book the last few day and I recognise the 'sod it' mentality as part and parcel of the ED issues I had in the past. I get a mini high from shiny new things .

    I took pup out for a run y'day and then we went for a long walk today and now he's curled up beside me and I think he is just recharging his batteries for another round of playing.

    I think I have a chance of earning some extra money from next week and if it comes up then I'm for grabbing it with both hands.

    I have lunch prepped for tomorrow and now just need to see what the mini pile of ironing looks like. Sis is on her way up and she is bringing lunch but she has asked me to help with a work issue but I think that is a fair payment.

    Hopefully this week I would like got get a bit more sleep. I'm back to the volunteering and I have a hospital appointment so taking Friday as leave.
    Last edited by Munchin; 16-04-2019 at 9:48 AM.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Apr 19, 8:53 PM
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    HairyHandofDartmoor
    I hope you manage to sleep better. I like buying things too when I'm feeling a bit down or upset, but I try and limit it to a new mug or pair of socks so it's not too expensive . Well done on planning to return half the Primani stuff .

    I hope you manage to get the extra money .
    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.
    EMERGENCY FUND 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • Munchin
    • By Munchin 8th Apr 19, 9:03 AM
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    • 8,350 Thanks
    Munchin
    Thanks HHD - I think I'm going to have to limit myself to small treats like yourself as I'm an all or nothing kind of person which never really works out well .

    The office is freezing this morning and I've had 2 cups of tea and 2 layers on to keep warm. It's not just me, my colleagues are saying the same.

    Apart from buying Mum her paper I managed not to spend any other money yesterday and I have no plans to spend anything today.
    • Seasidegal58
    • By Seasidegal58 8th Apr 19, 6:45 PM
    • 2,860 Posts
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    Seasidegal58
    Positive vibes from me as well for a good nights sleep!

    And well done too in taking some of the Primani back!

    The concert should be really good. I'm always moaning about the cost of concert and theatre tickets. I feel it's such a racket!

    Hope the chance of the extra money proves fruitful.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 16/04/2019 - £2,903.42
    MONTHS TO RETIREMENT: 25
    My diary: ďPaid off the £31,000! BUT- still scrimping!Ē
    • Munchin
    • By Munchin 13th Apr 19, 6:58 AM
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    • 8,350 Thanks
    Munchin
    Morning all,

    Tired today but had a such a good & busy day yesterday Iím not complaining.

    Yesterday I was on leave as I had a knee appointment in the morning and just decided to have a flexi day with Mum. I wonít bore you with details of appointment but suffice to say that my Doctors total lack of interest when she referred me to the physio shone through as the physio had wrong knee on his notes and no record of hip injury that started it all.

    Mum came with me so we could go to shops as she wanted some holiday stuff. Itís her birthday soon so I got her sandals she liked in M&S and the lady on the till was so lovely, she checked my Sparks card and found an offer for £5 off. I also had my vouchers so sandals cost £0. We went and got a coffee and used vouchers again.

    Mum hasnít been well and has lost a lot of weight. It is really worrying as she finally went to doctor this week who suggested it could be a) something and nothing or b) potentially life threatening. Of course until she gets the tests we will worry.

    Went to volunteer thing in the afternoon and then weeded Dadís grave on way home.

    Last night went to friends house but had mostly soft drinks.

    Today Iím running a 5k with friends & nephew - bit nervous already. After that taking pup to groomers.

    Today should be a lot more relaxing than yesterday. I better get my skates on.
    • Seasidegal58
    • By Seasidegal58 13th Apr 19, 2:41 PM
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    Seasidegal58
    You've certainly had a busy time!

    to your useless sounding doctor!

    It's nice to read you had a lovely day with your mum and you managed a bargain as well with the sandals. . I hope your mum's tests go well - can only be worrying for you all.

    Here's to a successful 5k today and a glamorous pup!
    X
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 16/04/2019 - £2,903.42
    MONTHS TO RETIREMENT: 25
    My diary: ďPaid off the £31,000! BUT- still scrimping!Ē
    • Munchin
    • By Munchin 16th Apr 19, 9:47 AM
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    • 8,350 Thanks
    Munchin
    Thanks SSG ,

    Mum's ultrasound appointment letter came on Sat but the appt is in a month and on the day she goes on holiday. Mum is happy with that but I'm concerned that if there is something wrong and she flies it might not be good for her. Trying to see if I can bring the appt forward.

    5k on Sat was brilliant and I did it in 33 mins - probably slow for some but brilliant for me . I had no knee pain and then went for a walk on Sunday and yesterday - when I was finishing my walk yesterday my old knee pain flared up which was so upsetting/annoying. I'm resting and icing it now and hoping it goes away but from previous experience this is it just starting.

    Spending front - I opened a new current account - it's called a Monzo account. It only offers a £5 introductory offer but it records your spends in different categories and you can set how much you wish to spend in each category. It doesn't limit you but at least for me I can see how much I have in my groceries budget and when I'm getting close to that limit.

    My car insurance hasn't gone out of my bank account yet and I wish it would as my bank looks healthier than it should. I have 2 more big payments coming up - car service on 30th May approx. £150 and then I need to get heating oil (currently £479 for 1000litres). I'm hoping that I can stretch another month or 2 as I have £200 in account at the minute. After the oil and car service are paid, that is the big spends done for the year......hopefully. It gives me time to have money in the pot for next year and for new tyres which seem to be an annual thing for me as well.

    We still haven't got our annual pay increase (civil service) and I think it was due in August, so currently I am owed 8 months back pay and still no sign of it being paid in the near future. Hopefully we get it paid in the next few months. It's not a lot but when you get it in a lump sum it feels more.

    Today is a bitty day in work - no big projects just lots of little bitty annoying things but the sooner I get going the sooner it will be done
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Apr 19, 9:11 PM
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    HairyHandofDartmoor
    I hope your mum is okay. I agree it would be a good idea to try and bring the ultrasound forward.

    Well done on the 5K . Cars are very expensive to run .
    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.
    EMERGENCY FUND 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • Seasidegal58
    • By Seasidegal58 18th Apr 19, 12:56 PM
    • 2,860 Posts
    • 18,010 Thanks
    Seasidegal58
    Congrats on the 5k! But I hope your knee is on the mend! Good idea to try and get Mum's appointment brought forward - I hope you are successful. How annoying too about the delay in your pay increase! Still, at least it will be a nice lump sum when it arrives. I hope you have a good Easter Munchin.
    x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 16/04/2019 - £2,903.42
    MONTHS TO RETIREMENT: 25
    My diary: ďPaid off the £31,000! BUT- still scrimping!Ē
    • Munchin
    • By Munchin 24th Apr 19, 11:26 AM
    • 2,574 Posts
    • 8,350 Thanks
    Munchin
    Thanks HHD & SSG - I hope you both has a lovely Easter.

    Mum's appointment was brought forward to Friday past!!! Our Easter bank holidays are Mon & Tues here so they saw her on Good Friday. She does have an aorta aneurysm (if I can spell) which is bad but as it is less than 5cm it might just need monitored at this stage but we will not know until she sees a specialist.

    We still had a lovely Easter as things could have been so much worse. Then sister, nephew, dogs & I all went for a walk along the river to walk of our dinner (not done that since we were kids).

    Yesterday we ventured to the shops just for fresh fruit & veg - think I was starting to reach my chocolate limit over Easter and really wanted a salad. Popped into Lidl and managed to spend £36 but it should do us a few days as we had lots of turkey and gammon leftovers from Sunday.

    Tomorrow is the first day I'm going to run to test out my knee - not sure how it will go. If it is still playing up then I will just rest it a bit longer.

    I'm heading to Dublin this weekend with friends for a volunteer thing - so all food and drink paid for...I can't wait
    • Munchin
    • By Munchin 24th Apr 19, 12:25 PM
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    • 8,350 Thanks
    Munchin
    End April update

    June - Glasgow (1 night - paid for tickets/hotel/flights & taxi already)- £50/£150
    June - England (trip to sister but need flights and accommodation) - £0/£600 - sister says she is coming home in June
    Holidays - Aug (Spain) & Nov (Sri Lanka - wait & see what Embassy says but keep saving) - £1,850/£4,000

    Spends needed - £4,150
    Spends saved - £2,250 (54%)
    Last edited by Munchin; Yesterday at 12:32 PM.
    Scrimpy Challenge 1 - £972 paid - £4,260 left/£5,489 (17%) (PAYDBX 2019 - #12)
    Weight loss= -20lb lost = 27lb//47lb

    SC 2 - Emergency fund (s/t) - £300/£1,000 (30%)
    SC 3- Emergency fund (l/t) - £2050/£5000 (41%). SC 4 - Holiday - £2,100/£4,000 (52%).
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Apr 19, 2:56 PM
    • 8,919 Posts
    • 69,519 Thanks
    HairyHandofDartmoor
    I'm glad you were able to bring your mum's appointment forward and I hope she doesn't have to wait too long to see a specialist.

    You sound like you had a lovely family Easter . I know what you mean about reaching a chocolate limit. I only had chocolate on Easter Sunday but I ate a whole Easter egg that day and it gave me a sore throat . So I was glad to go back to my healthy eating after that.

    I think I'd be tempted to go somewhere other than Sri Lanka for my holiday, but then I scare easily .
    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.
    EMERGENCY FUND 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • Munchin
    • By Munchin 25th Apr 19, 1:00 PM
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    • 8,350 Thanks
    Munchin
    Hi HHD - I know what you mean about Sri Lanka but it is actually a family members hotel I would be staying at, which is why I'm just saving and will wait and see what happens. Thankfully they are far enough away from Colombo that they were not affected and all their friends/colleagues are accounted for.

    Managed a really short run this morning but the good news is that knee held up - more rest & strengthening and I should be ready for leg of the Belfast marathon on 05th May.
    • Lilith1980
    • By Lilith1980 25th Apr 19, 6:43 PM
    • 2,025 Posts
    • 5,914 Thanks
    Lilith1980
    Sounds like you had a nice Easter, Munchin. Hope your mum gets some positive news from the specialist

    Didn't realise you are running the Belfast marathon - good luck with that. That's awesome
    My debt-free diary
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