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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 1,897Posts
    • 12,541Thanks
    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 64
    • giblet1979
    • By giblet1979 17th Oct 16, 11:15 PM
    • 846 Posts
    • 3,396 Thanks
    giblet1979
    Glad you're feeling better x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

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


    • monz
    • By monz 18th Oct 16, 5:14 PM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    Miss Tara where are you xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • misstara
    • By misstara 19th Oct 16, 8:39 AM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    Thanks monz and Gib

    monz - not getting the deposit back due to smoke damage in the flat

    Saturday
    Bought more paint and various things for new flat - £124.98. Went food shopping - £33.01. Also bought my sister's birthday present - £35.

    Sunday
    A NSD, spent most of the day painting and then went to the gym with my friend at night.

    Monday
    Tea and a couple of drinks out with the girls - £17.

    Yesterday
    A NSD again. Went to a kettlebells class after work and made a cake.

    Today
    I'm just on my way to do a short shift for 2nd job. It won't be a NSD as I need to buy things to ice the cake with.
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • monz
    • By monz 19th Oct 16, 9:44 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    You are doing really well xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • AspiringButAnxious
    • By AspiringButAnxious 19th Oct 16, 11:49 AM
    • 609 Posts
    • 2,285 Thanks
    AspiringButAnxious
    Ditto to what monz said!

    You just reminded me I have kettlebells tonight Still aching a bit from Monday's bodypump, but I will probably still feel miles better than I did the first few sessions! Amazing how quickly it's changing my strength and fitness.
    Rainy day fund — 3.16/500 Emergency fund target — 500/1000 Nest egg — circa £40
    Loan — 3081/15,487 = 19.8% Fun fund: £0.05 Credit card balance — £900
    • misstara
    • By misstara 21st Oct 16, 7:15 AM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    You are doing really well xx
    Originally posted by monz
    Thanks monz, feel like the debt is going down so slowly at the moment but I suppose there's a lot of other stuff going on so can't focus solely on the debt unfortunately.
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • misstara
    • By misstara 21st Oct 16, 7:17 AM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    Ditto to what monz said!

    You just reminded me I have kettlebells tonight Still aching a bit from Monday's bodypump, but I will probably still feel miles better than I did the first few sessions! Amazing how quickly it's changing my strength and fitness.
    Originally posted by AspiringButAnxious
    Thanks ABA. Loving my kettlebells classes, hope yours went well. I tried bodypump for the first time last week, hard work but enjoyed it.

    Nothing much to report, spent £6.80 on food on Wednesday and yesterday was a NSD
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • misstara
    • By misstara 23rd Oct 16, 7:25 AM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    Spent £20.84 on Friday at the supermarket, was more than intended but my favourite washing tabs were on special offer so grabbed them. Yesterday was a NSD

    Monthly payslip is in so I shall begin working on my budget tonight. Better get myself organised for work, back later.
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • misstara
    • By misstara 25th Oct 16, 9:56 PM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    Yesterday was a NSD and I tried a new exercise class which had the lovely name of 'fat burn' however since I've put on half a stone in the last month or so it's much needed. I also went to my usual kettlebells class tonight and have booked myself in for body pump on Friday. Spent £7.05 today mostly on fruit and some snacks for work.

    Still haven't made my budget for next month but will aim to do that tomorrow and then payday on Friday. Was chatting to my brother last night and discovered that the hotel costs are paid on arrival so will only have to pay him back for travel. My increased gym going has highlighted that I could really do with a new pair of trainers so will see if I can find room in the budget for that. I also need a winter coat but will have a rummage round the charity shops, see what I can find.
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • monz
    • By monz 26th Oct 16, 9:25 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    Lets see your budget yes I am nosey lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • misstara
    • By misstara 27th Oct 16, 8:53 AM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    Budget is done - have decided to pay a little towards the debt this month and concentrate on getting Christmas sorted. Ideally I'd like to get all presents this month and then I can relax and just enjoy December. I've also budgeted for new trainers and a winter coat - had a look round the charity shops yesterday but didn't see anything I liked.

    £1502.25
    - £1100 usual monthly bills
    - £75 travel (money to brother plus tickets home around Christmas)
    - £100 coat/trainers
    - £100 presents
    - £50 social
    - £50 cc1
    - £27.25 cc2

    I also get paid from 2nd job tomorrow - £48.75
    - £30 presents
    - £18.75 cc2

    From the start of November, I'll be able to access my Christmas savings so that's another £200ish (need to check exact balance) for presents.
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • monz
    • By monz 27th Oct 16, 9:46 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    Thats great budgeting xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • monz
    • By monz 1st Nov 16, 9:27 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    Miss Tara where are you xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • misstara
    • By misstara 1st Nov 16, 8:37 PM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    Miss Tara where are you xx
    Originally posted by monz
    Just getting caught up with real life stuff, every time I've gone to update my diary something else has come up.

    Had a lovely weekend off with OH but spent far too much money Today I've given my sister money towards my dad's birthday present and my brother the money for travel tickets. I've also booked travel tickets for going home at Christmas time and spent £16.07 at the supermarket.
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • monz
    • By monz 2nd Nov 16, 9:08 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    You are almost clear x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • misstara
    • By misstara 6th Nov 16, 7:17 AM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    You are almost clear x
    Originally posted by monz
    Getting there

    Went shopping on Friday and got my winter coat and running trainers, socks and a water bottle - £96.75 spent so within budget. Yesterday the plan was to go to the fireworks and then some food/drinks with friends, however, fireworks got cancelled due to the weather so we decided to just go out for tea - £19 spent so I still have £31 left of my social budget for the month.

    I bought a couple of things for OH's stocking - £4 spent and have also ordered a few presents from @mazon using vouchers from surveys. Still need to phone up and get the christmas money out of savings.

    At work today so better finish my coffee and get myself organised. Plan for after work is to go for a run/to the gym (weather dependent) and OH is making roast beef for tea
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • monz
    • By monz 7th Nov 16, 10:16 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    Love the sound of social fund !

    Have you got much to get for Christmas?x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • monz
    • By monz 9th Nov 16, 9:30 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    hope you are ok not posted in few days x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • misstara
    • By misstara 9th Nov 16, 5:36 PM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    I'm ok monz, thanks for asking Just seem to feel knackered all the time and falling asleep early. Not sure if it's related to increased exercise or low iron levels again

    To answer your previous question, I still have lots to get for Christmas. I've got lots of present ideas jotted down but haven't actually bought much so far.

    So Monday and yesterday were NSDs. I was supposed to meet a friend after work today but she isn't feeling great so that has been postponed until next week. Headed to supermarket so £45.80 spent - that should keep us going for quite a while.

    Heading down to the new flat tonight, going to measure up the rest of the rooms for carpet and discuss what else we need to get. Suddenly aware that it's only 7ish weeks until the lease runs out on current flat so need to get a move on. My dad is up at the weekend with various bits and bobs that my parents are donating.
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • monz
    • By monz 10th Nov 16, 10:09 AM
    • 1,929 Posts
    • 4,058 Thanks
    monz
    Get your iron levels checked. Thats been me past few weeks as well back on tablets and trying eat more brocilli. I am not really a fan of red meat so need to watch xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
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