misstara's debt diary 2014

So got paid from monthly and weekly job today which was good. Have put aside money for rent and loan payment (unfortunately these two alone account for around 75% of my monthly wage as OH has just started working again after being off the majority of last year with health problems, he is currently working 2 mornings a week and will probably earn around 150 a month, however, as yet has not been paid). I have also put 50 pounds towards electricity bill which is due in a couple of weeks and paid around 80 pounds to credit cards (55 to cc1 and 25 to cc2)

This leaves me 100 pounds until next Friday. Will need 15.86 for my mobile phone bill, 15 for contact lens appointment and probably 15 for bus fares. I also need to book bus/train tickets for going to Edinburgh next month - will research cheapest tomorrow. Also have 4 birthdays coming up in next 3 weeks so will need to look for some bargain presents.

Spends today are 6.50 on TV licence, 35p on painkillers, 3.10 on milk and sugar and 70p on a chocolate bar (a moment of weakness on my way home from another double shift - still it could be worse!)

Up earlyish this morning and went to the gym, now off to work. Was hoping to walk to work today but it is utterly miserable here so got the bus. Spends today so far are £4 on bus fare, 70p on a paper and 69p on a baguette.

FinanciallyUnsavvy wrote: »

Hi Tara :wave:

I hope you're feeling a bit better now, sorry to hear you've been feeling down. Working a lot will do that to you! I hope you get a break soon.

Sounds like you're doing well though - well done on resisting a takeaway!

The weather has been absolutely miserable here too. Roll on summer, eh?

Definitely feeling better, was just having a 'meh' day yesterday. Typically though by the time I finished work, it had completely stopped raining and I looked a right idiot getting on the bus with my wellies and massive rain jacket :rotfl:

Had a little review of my bank balance once I got home from work and made a payment of 3.82 to cc1.

With booking my tickets to Edinburgh yesterday, my phone bill due out tomorrow and the 15 pounds I need for my contact lens appointment, this leaves me around 25 pounds to do until Friday. There is plenty of food in the house so will do a meal plan for the rest of the week tomorrow. Hopefully the only money I will need for the next few days will be bus fares.

StressedSteph wrote: »

Actually what might help is a little piece of paper in your bag/purse listing the reasons why you are working so hard and want to be debt free. I have that and sometimes when I am out and tempted to buy something, I look at my reasons list and it reminds me why I can't buy that extra make-up etc.

This sounds like a great idea to keep me motivated, will write out a wee list later to put in my purse.

So went through the cupboards and freezer this morning and made a meal plan for rest of the week. Will need to sit down with OH nearer to the weekend to decide what we are going to eat next week and then probably get shopping Fri or Sat.

Spends for today are 4.00 on bus fare, 0.29 on painkillers and 0.50 on a reduced loaf of nice bread to go with tea - I literally stalked the yellow sticker lady around the shop until she got to the bread section. There's still about half a loaf left so will slice it up and freeze to use for garlic bread later in the week.

Away now to tackle my ironing pile before it grows bigger than me!