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  • FIRST POST
    • Munchin
    • By Munchin 2nd Oct 18, 7:59 AM
    • 2,444Posts
    • 7,612Thanks
    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 - £270 paid/£6,000 (4.5% paid)
    Scrimpy Challenge 2 - Emergency fund - £72/£6,000(1.2%)
    Scrimpy Challenge 3 - Dream Holiday - £1000/£3000 (33%)
Page 4
    • ImpulseSpender
    • By ImpulseSpender 1st Nov 18, 8:29 PM
    • 63 Posts
    • 147 Thanks
    ImpulseSpender
    Yay so happy for you that day 1 & 2 have been great at work. Glad you're feeling better.
    Make £100 in November: £133.36/£150.00 / November NSDs: 6/15
    FD CC - 258.78/258.78, Santander CC - 50/3564.05, MBNA CC - 460/3144.96, Savings - £300/5000
    • Munchin
    • By Munchin 3rd Nov 18, 7:29 AM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    Morning,

    I think I started the tenner a week challenge in a bad week as I popped to Mr Ts yesterday for basics and it still came to £19.

    Work was good yesterday and I was home for 5pm. I know that I'm in the honeymoon phase but I will enjoy it while it lasts. I rang the work gym and the trainer remembers me and I'm now booked in for an induction this Monday.

    I made my first payment to my debt and it feels great to see the figure starting to go down.

    Today's plans include popping to the hairdressers, volunteer thing and typing up 2 sets of minutes for volunteer thing. I was going to go for a run with pup but it sounds awful outside so will put that off until tomorrow.

    I have a couple of bits to get at the shops and am going to stick to my list.

    Weekly spends - w/c 28th Oct - tenner a week

    Wed 31 - £5.20 Tesco
    Thurs 01 -NSD 1
    Fri 02 - £19 Mr T
    Sat 03 - £15

    Total - £24.20/£10
    Last edited by Munchin; 04-11-2018 at 7:24 AM.
    Scrimpy Challenge 1 - Banish the Debt - £270 paid/£6,000 (4.5% paid)
    Scrimpy Challenge 2 - Emergency fund - £72/£6,000(1.2%)
    Scrimpy Challenge 3 - Dream Holiday - £1000/£3000 (33%)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Nov 18, 6:56 PM
    • 5,808 Posts
    • 41,183 Thanks
    HairyHandofDartmoor
    It all sounds good Our weather turned wet and windy at around 3pm .
    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 4th Nov 18, 7:40 AM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    Morning,

    I managed everything I planned yesterday. I have both sets of minutes done but will look at them again today before sending them out.

    Today I’m going to venture to the forest for a walk (knee niggling so no running). I’m meeting sis later for her kids awards thing and then it’s just the normal sort out work things and prepare lunch.

    Plans this week- yoga, gym induction and take pup to groomers. I’m not counting grooming costs in tenner challenge.

    Weekly spends - w/c 04th Nov

    Sun 04 - NSD (2)
    Mon 05 - NSD (3)
    Tues 06 - £3 Tesco & £35 diesel
    Wed 07 - £8.25 groceries & £2.60
    Thurs 08 -
    Fri 09 -
    Sat 10 -

    Total - £13.85/£10
    Last edited by Munchin; 08-11-2018 at 6:05 AM.
    • Munchin
    • By Munchin 5th Nov 18, 6:14 AM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    Morning ,

    Yesterday was a very busy day but it meant no pondering what could have been with ex OH.

    A warning light came on in the car during the week and it was my tyres. First time ever I checked pressure myself and put air in, sad to say I was proud of that .

    Decided to tidy up after sis visit and ended up doing a massive clear up. I also sorted out work stuff, emailed minutes out and did ironing. Nephews awards thing was great and he got a prize.

    New manager was on leave last week so I guess I better put best foot forward.
    • Lilith1980
    • By Lilith1980 6th Nov 18, 5:02 AM
    • 1,935 Posts
    • 5,598 Thanks
    Lilith1980
    Good for you for sorting the car. I'm scared of them, so any small thing I do feels like a big achievement. Be proud of even the "small" things, as they're big for you and that's what matters

    Hope the new job continues to go well.
    My debt-free diary
    • Munchin
    • By Munchin 7th Nov 18, 5:56 AM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    Morning,

    I know itís early o clock but Iíve been awake from 4 . Iím dosed with the cold and have run out of tissues. I got up earlier and put in a hot water bottle and had a lemsip. Iím now out of lemsip, not the best start to morning.

    Work still going well and donít see days flying in.

    Iím going to a wedding next week and nothing fits. I have a dress that could be dressed up but was bought for work. My sister is lending
    me sandals and a bag to jazz it up and I have jewellery. It just reinforces that I need to lose weight as I have a load of wedding guest/formal dresses in my wardrobe that donít zip up

    I was at yoga last night which was good but couldnít quite breathe. I have been for my gym induction but was hoping to go again this morning but an extra hour in bed will serve me better.

    Looking forward to coming home tonight and just going to bed.
    Scrimpy Challenge 1 - Banish the Debt - £270 paid/£6,000 (4.5% paid)
    Scrimpy Challenge 2 - Emergency fund - £72/£6,000(1.2%)
    Scrimpy Challenge 3 - Dream Holiday - £1000/£3000 (33%)
    • Seasidegal58
    • By Seasidegal58 9th Nov 18, 2:41 PM
    • 2,273 Posts
    • 14,089 Thanks
    Seasidegal58
    Checking into your diary Munchin and I'm so sorry to read the news of your break up, but it appears that you have done the right thing. I stayed in my last relationship much longer than I should have hoping my then OH would change his controlling ways, but in the end I did the right thing and left. I went back to my mum's's as well for a bit! You will have these down phases when you think of the good times, but these do fade in time I can assure you.

    You're a sensible, practical girl and I'm sure you'll plan everything out well going forward.

    Glad to hear the job is going well too!
    X
    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: 30
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Nov 18, 5:31 PM
    • 5,808 Posts
    • 41,183 Thanks
    HairyHandofDartmoor
    I hope you've got over your cold Munchin,
    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 10th Nov 18, 9:18 AM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    Thanks HHD & SSG - cold still with me but starting to feel better.

    Spending front - I returned everything I bought and now my credit card is in the plus (by a wee tiny amount) but it's a signal that things are starting to go back to normal.

    No word from ex OH but his niece contacted me (we're a similar age) and doesn't want to lose our friendship and wants to meet for coffee. Part of me is happy that she has contacted me but another part wants a total split from him and his family but I think in the long run it would be nice to keep her as a friend.

    I took fur baby to groomers during the week.....he is half the size he was....groomer was a bit grooming happy and he is a tad bald but it will grow.

    I am going to the beauticians today as I have a wedding to go to on Wed. I'm just giving cash as a present and I'm driving at the wedding so shouldn't have too many spends on the day. I'm working the next day so hence the driving.

    My Mum is going to a thing in Belfast tomorrow and has been dropping hints for me to drive so I finally asked her if she wanted me to drive and she said 'It's up to you'....long story short ...I'm driving OAPs tomorrow . There is also an early Church Xmas sale tomorrow which I always go to and to be honest as a child it was amazing but now it's just a bun sale but it starts to put me in the Xmas mood (I'm sad I know)

    I have a volunteer thing on Thurs night... now that I have typed it up, I do have a lot to look forward to this week.

    Today I also have some work stuff to do and some volunteer things to type up ...so lots of coffee, comfy clothes and trying to exercise a brain cell or 2.

    I hopped on the scales this morning and I'm now at 81.9kg, so I've lost 2kg . I've so happy as diets don't last for me and I get really obsessive but this mini goal setting and also weighing myself in kgs seems to be the way forward. I also think it's a combination of break up, fedupness and busy job that help.

    Right better go find some breakfast before heading to beauticians.
    Scrimpy Challenge 1 - Banish the Debt - £270 paid/£6,000 (4.5% paid)
    Scrimpy Challenge 2 - Emergency fund - £72/£6,000(1.2%)
    Scrimpy Challenge 3 - Dream Holiday - £1000/£3000 (33%)
    • ImpulseSpender
    • By ImpulseSpender 10th Nov 18, 4:49 PM
    • 63 Posts
    • 147 Thanks
    ImpulseSpender
    Congrats on the 2kg lost. Enjoy the Xmas sale tomorrow!
    Make £100 in November: £133.36/£150.00 / November NSDs: 6/15
    FD CC - 258.78/258.78, Santander CC - 50/3564.05, MBNA CC - 460/3144.96, Savings - £300/5000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Nov 18, 9:11 PM
    • 5,808 Posts
    • 41,183 Thanks
    HairyHandofDartmoor
    Well done on the weight loss. Have a good day tomorrow.
    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
    • Seasidegal58
    • By Seasidegal58 10th Nov 18, 10:08 PM
    • 2,273 Posts
    • 14,089 Thanks
    Seasidegal58
    Good news on the disappearing kilos! And have a good time at the Xmas sale. I love things like that too.

    It's nice that your ex's niece wants to stay in touch. Perhaps just coffee meet ups are the way forward until emotions settle.

    Hope baldy pup isn't feeling the cold too much after his scalping!
    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: 30
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Lilith1980
    • By Lilith1980 11th Nov 18, 8:01 AM
    • 1,935 Posts
    • 5,598 Thanks
    Lilith1980
    Glad you're keeping busy, Munchin. And fab news about the weight loss
    My debt-free diary
    • Munchin
    • By Munchin 11th Nov 18, 8:22 AM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    Thank you all

    Baldy pup is still venturing out but returning very quickly and shivering... I have a coat for him for the colder weather but I think he might need it now.

    Yesterday was good, I managed to get all the work I had planned done and the cold is continuing to lift.

    I'm going to take baldy pup for a walk in the forest now and then it's the Xmas sale
    • Seasidegal58
    • By Seasidegal58 11th Nov 18, 8:13 PM
    • 2,273 Posts
    • 14,089 Thanks
    Seasidegal58
    Good news that you're feeling better and that you got your jobs done. I bet baldy pup looks cute in his coat! What breed is he?
    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: 30
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Munchin
    • By Munchin 12th Nov 18, 5:04 PM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    Hi SSG - he is a miniature Yorkshire terrier but he isnít so miniature. Totally spoilt rotten but a very placid wee dog, except when the postman comes...

    In work but waiting for nephew to text as Iím giving him a lift - sooo ready for home.
    • Seasidegal58
    • By Seasidegal58 12th Nov 18, 9:45 PM
    • 2,273 Posts
    • 14,089 Thanks
    Seasidegal58
    He sounds gorgeous Munchin - I meant baldy pup not nephew, but I'm sure he's lovely too!
    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: 30
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Nov 18, 3:59 PM
    • 5,808 Posts
    • 41,183 Thanks
    HairyHandofDartmoor
    He sounds gorgeous Munchin - I meant baldy pup not nephew, but I'm sure he's lovely too!
    Originally posted by Seasidegal58
    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 18th Nov 18, 9:03 AM
    • 2,444 Posts
    • 7,612 Thanks
    Munchin
    He sounds gorgeous Munchin - I meant baldy pup not nephew, but I'm sure he's lovely too!
    Originally posted by Seasidegal58
    Yeah they are both lovely

    Yesterday was fun. I met ex OH niece for coffee/breakfast and it was such a lovely morning. I was a bit nervous but it was all good and we are going to stay in touch.

    I got my travel card refund which I deposited yesterday and it should clear by Tues. I'm not really any better of with the refund as it is to pay for the extra fuel I need each month but I'm no worse of with the new job now.

    I suppose it's time to figure out the Xmas pressie list -

    - Mum & contribution to Xmas dinner - £150
    - Sister x 2 - £40
    - Nephews x 3 & 1 niece - £100 (have more nephews/nieces but they just get chocolates)
    - Uncle - £30
    - Brothers - £10
    - Work night out - £40
    - Work chocolate - £20
    - Girls night out - £50
    - Outfit - £50
    - Volunteer chocs - £10

    Total - £500

    I have saved up £500 but to be honest the estimates above are worse case and I want to come in under budget. I usually give Mum the Asda gift card but I checked and she would rather have the cash.

    Health - my stomach has been playing up this week and I've felt a bit off so didn't fancy much to eat. I think it's probably a reaction to the cold and break up and these things always go to my stomach.

    House - the bathroom people have postponed to next week but that is good as discovered the architrave round the bathroom door was rotting. Got a cousin on the job (again so grateful for all my tradesmen/women cousins) who came round yesterday and ripped it off and replaced it. He charged me £0 , I insisted he should take some money to treat his kids but he refused. I now just need to sand and paint it before next week.

    Today's plans include the usual mass, meet cousins, take baldy pup for walk and tonight nephew, Mum & I are having pizza while watching 'I'm a celebrity'.

    Week ahead is very busy workwise but not many things planned for the evening ...lots of volunteering the following week but taking it easy this week. I have dvds to sell on Ebay but not sure if I can be bothered today. Time to make a move.


    Scrimpy Challenge 1 - Banish the Debt - £270 paid/£6,000 (4.5% paid)
    Scrimpy Challenge 2 - Emergency fund - £72/£6,000(1.2%)
    Scrimpy Challenge 3 - Dream Holiday - £1000/£3000 (33%)
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