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  • FIRST POST
    • Munchin
    • By Munchin 2nd Oct 18, 7:59 AM
    • 2,471Posts
    • 7,716Thanks
    Munchin
    Munchin's Marvellous Debt Busting Diary
    • #1
    • 2nd Oct 18, 7:59 AM
    Munchin's Marvellous Debt Busting Diary 2nd Oct 18 at 7:59 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 8:15 AM.
    Scrimpy Challenge 1 - Banish the Debt - £5489 to go/£6,000 (£511 paid (8.5%))

    Scrimpy Challenge 2 - Emergency fund (s/t) - £50/£1,000 (5%)
    Scrimpy Challenge 3 - Emergency fund (l/t) - £2600/£5000 (52%)
    Scrimpy Challenge 4 - Dream Holiday - £1,250/£3,000 (41%)
    Scrimpy Challenge 5 - Rewire & paint house - £xx/£5000 (0%)
Page 2
    • Lilith1980
    • By Lilith1980 11th Oct 18, 5:01 AM
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    Lilith1980
    Sorry you're feeling "blah". I tend to feel like that more at this time of year and start reflecting on things more than usual.I I hope work get in gear and let you know soon
    My debt-free diary
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Oct 18, 7:47 AM
    • 6,310 Posts
    • 45,553 Thanks
    HairyHandofDartmoor
    I bet it's a combination of dark mornings/evenings and feeling tired. Try and keep going to yoga as it's good for de-stressing, but try and pamper yourself a bit more generally.
    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 = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Munchin
    • By Munchin 13th Oct 18, 8:13 AM
    • 2,471 Posts
    • 7,716 Thanks
    Munchin
    Thanks Lilith & HHD - I was in bed super early last night but woke at 4 this morning. Iím either not sleeping at night or waking up ridiculously early, even for me but it will pass.

    Amazingly good news I got the job. I got a call on the quiet and told not to say anything and yesterday evening our super slow HR people emailed me to let me know and at the same time my boss was emailed to let her know that I was successful and she had to release me within 2 weeks. I will be in new job by November . There is a work gym which I think is £20 per month and lovely walking trails. Yes it is a bit further way and I will have to drive but the benefits will outweigh the negatives.

    On other news Iíve been invited to a wedding in November. I have a dress I could wear but need to try it on today to see if it still fits. If not I might have to fork out more money I really donít want to. I will also need to get a wedding pressie but it will be a great day with a good laugh.

    Tonight Iím heading to Belfast to Lush classical and need to drag jeans out of wardrobe.

    Plans today
    • Run
    • Volunteer
    • Clear out wardrobe
    • Iron
    • Tidy house


    Scrimpy Challenge 1 - Banish the Debt - £5489 to go/£6,000 (£511 paid (8.5%))

    Scrimpy Challenge 2 - Emergency fund (s/t) - £50/£1,000 (5%)
    Scrimpy Challenge 3 - Emergency fund (l/t) - £2600/£5000 (52%)
    Scrimpy Challenge 4 - Dream Holiday - £1,250/£3,000 (41%)
    Scrimpy Challenge 5 - Rewire & paint house - £xx/£5000 (0%)
    • GlendaSugarbean
    • By GlendaSugarbean 13th Oct 18, 8:21 AM
    • 310 Posts
    • 2,318 Thanks
    GlendaSugarbean
    Congratulations!
    • ImpulseSpender
    • By ImpulseSpender 13th Oct 18, 8:42 AM
    • 83 Posts
    • 231 Thanks
    ImpulseSpender
    Congrats on the Job Offer! Subscribed
    FD CC - 258.78/258.78, Santander CC - 57/3564.05, MBNA CC - 460/3144.96, Savings - £300/5000
    • Seasidegal58
    • By Seasidegal58 13th Oct 18, 9:51 AM
    • 2,338 Posts
    • 14,466 Thanks
    Seasidegal58
    Wonderful, wonderful news about the job Munchin and congratulations! Thoroughly well deserved! I bet you're over the moon and how great it'll be to get away from the horrible bully.

    Have a great day and enjoy the concert this evening.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 19/11/2018 - £1777.03
    MONTHS TO RETIREMENT: 29
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Oct 18, 9:31 PM
    • 6,310 Posts
    • 45,553 Thanks
    HairyHandofDartmoor
    Congratulations Munchin what brilliant news on getting the job
    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 = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Lilith1980
    • By Lilith1980 14th Oct 18, 12:09 AM
    • 1,943 Posts
    • 5,639 Thanks
    Lilith1980
    Yay, congrats on the job Munchin
    My debt-free diary
    • Munchin
    • By Munchin 14th Oct 18, 6:04 PM
    • 2,471 Posts
    • 7,716 Thanks
    Munchin
    Thank you everyone , so happy and relieved. Looking forward to a new start and leaving the problems behind

    Iím a bit worried once he finds out Iím going but there is nothing he can do to stop the move...heís also a Union rep and abuses that position.

    Concert last night was almost like I was in a nightclub and just like going to nightclubs in the past I wanted my bed when the party was just getting going. Absolutely shattered today but it was a great night.

    Making tea now and then will prep for work tmw.
    • beanielou
    • By beanielou 15th Oct 18, 6:32 PM
    • 58,653 Posts
    • 243,017 Thanks
    beanielou
    Great news on the job
    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. ***Be the difference.***
    • Munchin
    • By Munchin 20th Oct 18, 8:29 AM
    • 2,471 Posts
    • 7,716 Thanks
    Munchin
    Morning

    I've been MIA this week but I've just been so busy and tired. My current boss is determined to get her pennies worth out of me before I leave so I've been in work from 7am and home at 7pm...so quite long days and no I don't do 12 hour shifts. I was also organising a massive volunteer thing which was on Thurs night and I now feel that all the stress is over and normal action can resume.

    The bully in work hasn't really annoyed me as much as I thought he would but its obvious he's turned his attention on a colleague as she will probably replace me. I always thought she was a lot tougher than me but she has already threatened to walk out if she is forced to take my job. It is ridiculous one person can have that effect and be allowed to get away with it. I haven't got an official leaving day as boss is trying to delay my escape and I do understand why as I run the bigger and busier team but HR have told me that as the new post is considered a priority post then there is no arguing on the date and I'm out of there next week .

    I have spending to do but trying to keep it to a minimum. I've been invited to a wedding in Nov. I had an idea my Mum would be invited and my sister had volunteered to go with her but my Mum got an invite and so did I. I have nada to wear...I have a few dresses but they are a bit tight on me so just going to bite the bullet and try and get something in the sales. I don't want anything expensive as it will be a one off.

    Today is a tidy day. My sister is coming home with her kids for Halloween so will have to sort out her room at Mums. I want to go through my wardrobe and see what I have for the winter and organise work clothes for new job. I think there will be a good bit of decluttering.

    I also have to look a budgets as I need to buy buns and stuff for work, add on more to fuel costs as I will be driving to work rather than getting the train when the new job starts. Lots of planning but I will get there

    Weekly spends - w/c 21st Oct

    Sun 21 - NSD
    Mon 22 - £20.50 make up
    Tues 23 -
    Wed 24 -
    Thurs 25 -
    Fri 26 -
    Sat 27 -

    Total - £xx
    Last edited by Munchin; 23-10-2018 at 4:44 AM.
    • Lilith1980
    • By Lilith1980 21st Oct 18, 7:56 AM
    • 1,943 Posts
    • 5,639 Thanks
    Lilith1980
    I bet you can't wait to get out of there, Munchin. I'm a firm believer that bullies do what they do because they feel inadequate. Not that that helps the people being bullied.

    You'll be out of that soon enough. I remember the huge relief I felt at getting away. It all still makes me shudder
    My debt-free diary
    • Munchin
    • By Munchin 21st Oct 18, 11:37 AM
    • 2,471 Posts
    • 7,716 Thanks
    Munchin
    Thanks Lilith,

    Iíve started taking bits and bobs home with me, which I will take into my new job.

    Yesterday I got all my things done and I didnít have to get rid of very much. I just put things in order and switched my summer stuff for winter stuff. I saw a pair of boots in Dorothy Perkins the other day and I was tempted but once I brought out my winter stuff I found a pair of boots that are really similar

    Iíve ordered a dress for the wedding and it cost £36 but Iím hoping it will do the job as I have all the accessories. I went into the big town to try things on but they had nothing I was interested in and thatís why I ordered online. Iím not sure how shops manage to stay open if the range is soo poor.

    This week I have 1 volunteer thing and probably a leaving lunch . I will have to fork out money for parking this week and then I need to return travel card for refund ASAP. The train company say the rebate is from the day they receive the card so I donít want to miss out on too many days. That rebate should cover my fuel for the next 4 months.

    We donít have many plans today, normally we go for a walk but itís truly wet and horrible outside. Warm fire and tea could be the excitement of the day
    Scrimpy Challenge 1 - Banish the Debt - £5489 to go/£6,000 (£511 paid (8.5%))

    Scrimpy Challenge 2 - Emergency fund (s/t) - £50/£1,000 (5%)
    Scrimpy Challenge 3 - Emergency fund (l/t) - £2600/£5000 (52%)
    Scrimpy Challenge 4 - Dream Holiday - £1,250/£3,000 (41%)
    Scrimpy Challenge 5 - Rewire & paint house - £xx/£5000 (0%)
    • Munchin
    • By Munchin 22nd Oct 18, 5:17 AM
    • 2,471 Posts
    • 7,716 Thanks
    Munchin
    Morning

    Well this weekend has been a major change to my life. I keep most of the horrible bits of RL out of my diaries. Anyway Iím now single... our relationship hasnt been working for a very long time and not going into details I ended it yesterday but OH was on the same page. Iíve moved home to my Mum (Iíve been quietly taking steps to do that for a while). Sis landed round last night with ice cream .... I feel such relief but also sadness.

    Mum and sisters are the only ones that know but they were amazing and have threatened to take my phone off me if I go back. OH & I are better off separate but I kept hoping it would change.

    I donít want RL people to know which is ridiculous and sister has told me that I should only worry about my feelings. Strange being on my own but as he had little interest in my outside things I will probably not notice much difference. As a friend said recently our relationship had become a habit. Well thatís the update and probably last I mention RL for a while.

    Onwards and upwards.....but will wallow in sadness for a wee while. Pup is curled up here beside me and probably delighted to be the only demanding man in my life and he now has my Mum to spoil him full time
    • ImpulseSpender
    • By ImpulseSpender 22nd Oct 18, 6:17 AM
    • 83 Posts
    • 231 Thanks
    ImpulseSpender
    So sorry to hear that Munchin. I once ended a 6 year relationship because I too had felt it had become a habit and was comfortable, even though I knew it was for the best and felt relief after ending it, like you I still did experience sadness and you are allowed to be sad for a period. I guess I felt like it was a certain period of my life had come to the end which caused my sadness.

    It sounds like this breakup was probably for the best and now you have time to concentrate on yourself which is so important.
    FD CC - 258.78/258.78, Santander CC - 57/3564.05, MBNA CC - 460/3144.96, Savings - £300/5000
    • Purplemumof2
    • By Purplemumof2 22nd Oct 18, 11:18 AM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Hi Munchkin,

    Congratulations on your new job, how exciting!!!

    Sorry about your break up.

    Take care xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • Choccygirl123
    • By Choccygirl123 22nd Oct 18, 11:59 AM
    • 248 Posts
    • 380 Thanks
    Choccygirl123
    Sorry to hear about your break up mich, but congratulations on your new job. It's time for some new adventures for you and the pup. X
    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 - £69.45 / £500
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 22nd Oct 18, 3:36 PM
    • 6,310 Posts
    • 45,553 Thanks
    HairyHandofDartmoor
    Sorry about your breakup but it sounds as if it's for the best. Did you own or rent your property with OH? Where will you live long long term?
    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 = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Munchin
    • By Munchin 23rd Oct 18, 4:40 AM
    • 2,471 Posts
    • 7,716 Thanks
    Munchin
    Thank you all,

    Impulse spender - I had so much hope but we did have some really good times and I will miss what we had but not enough to go back.

    I woke up from a bad dream about him hence the early hour. I know it was only a dream but wouldnít have surprised me if it had happened in RL. In the dream OH and I were discussing where we would have Xmas dinner and he explained it was just going to be a lunch with family. Dream me said Ďa Xmas lunch with who?í Ex OH got cross as I didnít understand that it was lunch on Xmas day but not Xmas lunch and I tried to explain why I thought it would be a Xmas thing but obviously I was stupid. I woke up panicked then relieved it wasnt real but those kind of things happened. My subconscious is on the ball and I need to remember that.

    HHD- thatís a question and a half about future things. I helped pay the mortgage for 8 years but nothing was official and so we didnít have anything technically together. At the moment Iím so relieved itís over that i want to just cut my losses. I think I will just stay with my Mum for a bit and worry about renting in the New Year. Although Mum would keep me and pup forever .

    My sister in England is home this weekend and we are planning to put world to rights over wine. Mum is having a Halloween party and I get to go without worrying about OH ..so looking forward to this new life but canít help feeling stupid for putting up with it for so long.
    • Lilith1980
    • By Lilith1980 23rd Oct 18, 5:07 AM
    • 1,943 Posts
    • 5,639 Thanks
    Lilith1980
    Sorry to hear about your relationship Munchin, but I seen you'd mentioned it a few times in your diary and it sounded a difficult relationship at times. There's bound to be mixed feelings about it, so just allow yourself to feel whatever comes up ((hugs))
    My debt-free diary
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