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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 1,901Posts
    • 12,565Thanks
    misstara
    misstara's debt diary 2014
    • #1
    • 14th Jan 14, 9:53 PM
    misstara's debt diary 2014 14th Jan 14 at 9:53 PM
    Have been in debt for about 10 years (and been lurking on here for ages) but had kidded myself into thinking I was doing quite well - always making the minimum payments plus a little extra, occasional purchases on credit cards but generally plodding along ok.

    Until last week I calculated that last year I managed to reduce my debt by £350 - yep that's £350 for the entire year which is roughly about the same amount that I pay towards my debts each month. Clearly I'm going to have to make some changes or be in debt forever!

    Current debt stands at around £10,500, split over 2 credit cards with about £2000 on each and a loan with about £6,500 left to pay - will have to dig out statements to check exact figures.

    I'm going to turn 30 later this year and the realisation that I have been in debt for the whole of my 20s is scary. I certainly don't want to be in this position in another 10 years!

    So to start off my debt free journey, I have made a £3.00 payment towards one of my credit cards today - not much but at least its a start!
Page 63
    • monz
    • By monz 22nd Sep 16, 10:20 AM
    • 1,951 Posts
    • 4,097 Thanks
    monz
    How much is it you need to pay now xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • misstara
    • By misstara 25th Sep 16, 8:53 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    How much is it you need to pay now xx
    Originally posted by monz
    The new debt is currently sitting at £520.39 so manageable but annoying!

    Not a great deal to report since I last posted. Picked up a wee shift with 2nd job yesterday so will get around £40 on Friday. I've picked up 3 shifts next weekend with them as I'm away the following weekend so that will more than cover my spends.
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • misstara
    • By misstara 26th Sep 16, 8:21 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Popped into the shop on the way home for milk and they had some YS salmon so got that for tea, very yummy! £2.99 spent.

    Went to an evil gym class, it was called ladies tone so thought it wouldn't be too bad but was even worse than kettlebells. I survived though and figured it must be good for me so have signed myself up for next week. I've got kettlebells tomorrow, hopefully I won't be too sore.

    Monthly payslip through so will get £1544.74 on Thursday
    - £1200 to cover bills plus a present for my sister's birthday
    - £150 to put aside for new flat purchases, don't want credit card to get any higher
    - £150 to usual debt
    - £44.74 to new debt
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • giblet1979
    • By giblet1979 26th Sep 16, 11:13 PM
    • 846 Posts
    • 3,398 Thanks
    giblet1979
    Great progress but how annoying about the flat....we had similar problems with our last 2 rentals before we bought our house. They can be really evil and there isn't much you can do in some situations. Greedy sods! Ah well...you're out of there now at least! x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • monz
    • By monz 27th Sep 16, 11:14 AM
    • 1,951 Posts
    • 4,097 Thanks
    monz
    Miss Tara you will blast that new debt away in no time xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • misstara
    • By misstara 27th Sep 16, 9:58 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Great progress but how annoying about the flat....we had similar problems with our last 2 rentals before we bought our house. They can be really evil and there isn't much you can do in some situations. Greedy sods! Ah well...you're out of there now at least! x
    Originally posted by giblet1979
    Thanks for your post Gib. It's really annoying but yep unfortunately not much I can do. Still waiting for the letter to come through from the deposit scheme so will see what it says.
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • misstara
    • By misstara 27th Sep 16, 10:02 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Miss Tara you will blast that new debt away in no time xx
    Originally posted by monz
    Thanks monz, I certainly plan to

    Wasn't too sore today so went along to kettlebells class, think I'll be very sore tomorrow though.

    Spent £13.50 today on travel tickets for heading home next week.
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • monz
    • By monz 28th Sep 16, 9:14 AM
    • 1,951 Posts
    • 4,097 Thanks
    monz
    Miss Tara you are inspiring me to go join gym. Bit expensive where I am but it will prevent me from spending/drinking at weekend xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • misstara
    • By misstara 1st Oct 16, 11:25 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Miss Tara you are inspiring me to go join gym. Bit expensive where I am but it will prevent me from spending/drinking at weekend xx
    Originally posted by monz
    How did you get on your first weekend at the gym? No gym for me this weekend but classes booked for Monday and Tuesday.

    Did my split shift today for 2nd job and got another shift tomorrow so will get £140ish on Friday. That will cover all my spends while I'm away next weekend

    Spent £47.90 on an @sda order which will be delivered tomorrow.
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • misstara
    • By misstara 2nd Oct 16, 10:53 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    A NSD for me today . Did my shift for 2nd job and stayed on for an extra hour so more pennies for me
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • monz
    • By monz 3rd Oct 16, 11:39 AM
    • 1,951 Posts
    • 4,097 Thanks
    monz
    Well done that new debt shall be gone soon!!! Nearly 95% on other

    Gym went good went fri sat n sun. Going tonight for quick half hour, fitting in between mummy duties xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • misstara
    • By misstara 5th Oct 16, 7:56 AM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Well done that new debt shall be gone soon!!! Nearly 95% on other

    Gym went good went fri sat n sun. Going tonight for quick half hour, fitting in between mummy duties xx
    Originally posted by monz
    Thanks monz . Good going at the gym over the weekend. I cancelled my classes yesterday and Monday as I really don't feel 100%.

    Managed a NSD on Monday then £2.49 spent yesterday on bread and milk. Bank account reward went in so that's another £5 paid off the debt
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • misstara
    • By misstara 7th Oct 16, 8:15 AM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Wednesday
    Lots of spends - £9 on a pair of shoes, £16 on bras, £25.79 on a card and gift voucher for a wedding present, £24 on a friend's birthday present, £7 on two wee gifts for friends children and £4.50 on food.

    Yesterday
    Spent £24.10 on rest of travel tickets home plus £4.60 on coffee and snacks.

    Today
    I'm meeting friends for lunch so will need bus fare to get there plus whatever I spend while there. I got £140.55 today from 2nd job so that will cover all my spends.

    Have been chatting to my family about getting travel and accommodation booked for a wedding in London next year. My brother is doing research and will let me know prices. I wasn't expecting to have to pay for that this month so will take the costs out of the £150 I put aside for flat stuff.
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • monz
    • By monz 7th Oct 16, 10:23 AM
    • 1,951 Posts
    • 4,097 Thanks
    monz
    Good on you treating yourself xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • in need of direction
    • By in need of direction 7th Oct 16, 8:24 PM
    • 4,063 Posts
    • 22,747 Thanks
    in need of direction
    You seem to have got a lot for your spends. Well done.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • giblet1979
    • By giblet1979 9th Oct 16, 12:07 PM
    • 846 Posts
    • 3,398 Thanks
    giblet1979
    At least you've got it put aside which is great, and you'll soon be able to make that back up
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • misstara
    • By misstara 11th Oct 16, 9:49 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Thanks for your posts monz, INOD and Gib

    Stayed within my budget for the weekend although didn't come back with much. Had a fab time away and feel much better now than I did before I went.

    Had a NSD yesterday, spent £4.29 on a couple of bits today. Not much else to report, just spent the evening organising all my stuff from the weekend and cleaning the flat.
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • monz
    • By monz 12th Oct 16, 10:57 AM
    • 1,951 Posts
    • 4,097 Thanks
    monz
    Do you still feel you will be debt free before xmas? x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • misstara
    • By misstara 13th Oct 16, 11:02 PM
    • 1,901 Posts
    • 12,565 Thanks
    misstara
    Do you still feel you will be debt free before xmas? x
    Originally posted by monz
    I would love to be and as there's just over £1100 left it could be done. But realistically with Christmas coming up probably not will see how I get on though, you never know

    Yesterday was a NSD and today I spent £4.80 on tatties, milk and chocolate.
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • monz
    • By monz 14th Oct 16, 9:30 AM
    • 1,951 Posts
    • 4,097 Thanks
    monz
    You will have it gone in no time and any word on deposit back or lease... or did i miss the post x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
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