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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,125Posts
    • 14,731Thanks
    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 70
    • misstara
    • By misstara 20th Feb 17, 10:43 PM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Budget for March - £1583.80
    - £900 usual bills
    - £100 debt
    - £200 social (going to a wedding and will need to pay for overnight accommodation and travel, hopefully won't need this much but figured it's better to over budget)
    - £236.34 electricity/gas bill (I already have £45.31 saved which was originally saved for council tax - means I can pay the whole thing before 1st March )
    Which leaves £147.46 for food and anything else.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • ani*fan
    • By ani*fan 21st Feb 17, 7:32 PM
    • 1,432 Posts
    • 3,372 Thanks
    ani*fan

    So pleased I've managed to work it out without resorting to the credit card.
    Originally posted by misstara
    I'm pleased for you too miss T. That's all great news.
    If you know you have enough, you're rich.
    • misstara
    • By misstara 21st Feb 17, 10:26 PM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Thanks ani

    A low spend day, £5.60 spent on milk and fruit. Still not feeling great, if I'm still feeling like this by the end of the week I'll make a doctors appointment as I haven't been feeling that good for a couple of weeks.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • ani*fan
    • By ani*fan 23rd Feb 17, 5:20 AM
    • 1,432 Posts
    • 3,372 Thanks
    ani*fan
    You poor thing. If it's any help, there are loads of bugs around at the moment that are lasting a really long time, three weeks and more, with symptoms like no energy, dizziness, upset tummies and sore heads. I had that and a chest infection too. Not bad enough to be off work but pretty rubbish.

    Take lots of medication and hope you feel better soon.
    If you know you have enough, you're rich.
    • misstara
    • By misstara 23rd Feb 17, 7:29 AM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Thanks ani. I've had recurring stomach issues since my early 20s so not sure if it's a flare up or a bug. Either way I hope it clears soon. Hope you're now feeling better

    A NSD yesterday, today should be the same.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • misstara
    • By misstara 23rd Feb 17, 10:17 PM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    It has indeed been a NSD . I did a shift for 2nd job after my work so just meandering home now. Absolutely shattered but I have a day off tomorrow, looking forward to having a lie in
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • monz
    • By monz 24th Feb 17, 12:42 PM
    • 2,389 Posts
    • 5,258 Thanks
    monz
    enjoy your day off xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,371.01 $30 (RBS Rewards £18.32)
    house deposit £5,400.09/10,000 (owe £)
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 24th Feb 17, 11:21 PM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Thanks monz

    Had a nice lie in, thought about going for a run but decided against it . I've booked myself in for a kettlebells class on Sunday morning, I haven't been to one for months so looking forward to it.

    I took a carload of stuff to the charity shop/tip so the flat looks a bit clearer . I popped round to see a friend and her daughter which was lovely and also picked up the stuff for doing the doors. Spent the evening planing the bedroom door so now we have a bedroom door again . Only 5 more doors to go! I also popped to the supermarket and got a wee top up shop to do us over the weekend - £13.23 spent.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • misstara
    • By misstara 26th Feb 17, 10:16 PM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Ended up waking up 5 minutes before the kettlebells class started so didn't manage to go to it however, since I've been planning doors all weekend that is a pretty good workout I'll have a look at the gym's website and book myself into another class. Most of the doors are now done, just 2 more to do tomorrow night after work.

    NSDs yesterday and today. Looking forward to payday tomorrow
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • misstara
    • By misstara 27th Feb 17, 7:41 AM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Payday . I've paid the electricity/gas bill and £100 to the debt.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • monz
    • By monz 27th Feb 17, 10:10 AM
    • 2,389 Posts
    • 5,258 Thanks
    monz
    Nothing like a payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,371.01 $30 (RBS Rewards £18.32)
    house deposit £5,400.09/10,000 (owe £)
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 3rd Mar 17, 10:58 AM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Haven't managed to post all week as work has just been insane but now off on holiday for a week

    Payday from 2nd job today so got £37.90 and the bank account reward (£3) is also in so I paid £10.90 to the debt (original debt now at 97% paid ). Last month made me very aware that I have no savings for unexpected things that crop up so put £10 towards an emergency fund, £10 towards the next electricity bill and £10 for lunch with my friend next week.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • monz
    • By monz 3rd Mar 17, 11:15 AM
    • 2,389 Posts
    • 5,258 Thanks
    monz
    woo!! 97% all going your way

    Enjoy your week off xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,371.01 $30 (RBS Rewards £18.32)
    house deposit £5,400.09/10,000 (owe £)
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 8th Mar 17, 10:02 PM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Thanks monz

    The S button on my laptop has decided to stop working which means I can't log in to the forum on it, very annoying. Hoping that it will start working again so I don't have to take it to be fixed.

    Saturday
    A NSD it was utterly miserable here so I stayed in the flat and caught up on various household chores.

    Sunday
    I worked a short shift for 2nd job and went to S@inburys - £19.40 spent. Didn't really feel like I got much for the money. Me and OH went for a walk along the beach. We went for a cup of tea in a cafe and then on the way back, we went to the r@nge and bought various things for the flat - £47.50 spent.

    Monday
    Tried to go out for a run but only managed to run for 20 mins before I got a horrendous stitch and had to walk the rest of the way. Went to @rgos and bought a clothing rail - £8.99 spent.

    Yesterday
    Worked another short shift for 2nd job and then met my friend for lunch. Went slightly over my £10 budget and spent £12.

    Today
    Another short shift for 2nd job and then went to @ldi - spent £30.16 and got heaps so hopefully won't have to buy anything more for a while.

    Tomorrow is my last day of holiday so plan to relax and enjoy it
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • monz
    • By monz 9th Mar 17, 11:54 AM
    • 2,389 Posts
    • 5,258 Thanks
    monz
    Holiday you have been working :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,371.01 $30 (RBS Rewards £18.32)
    house deposit £5,400.09/10,000 (owe £)
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 9th Mar 17, 9:05 PM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Haha I know monz I just can't help myself however the extra money is always useful.

    Today I went to the library and got some new books, had to pay a fine of £1.35. I've put a reminder in my phone so I take the next ones back on time. I also got milk and margarine that I forgot to get yesterday - £4 spent.

    Went for a run as well, managed 50 mins which I'm pleased about although still a way to go to work up to the 10k.

    Spent the rest of the day pottering about the flat - put up some net curtains in the living room and assembled the clothes rail. I also did a lot of prep for meals for the next week.

    Tomorrow I'll get £75.34 from 2nd job so £60 into general household budget to cover what we spent on flat/garden stuff earlier in the week, £8 to emergency fund, £8 to electricity bill and £9.34 to the debt.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • monz
    • By monz 10th Mar 17, 11:00 AM
    • 2,389 Posts
    • 5,258 Thanks
    monz
    You are getting there. Debt will be gone soon xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,371.01 $30 (RBS Rewards £18.32)
    house deposit £5,400.09/10,000 (owe £)
    Xmas 2017 - 133/365 No.35
    • in need of direction
    • By in need of direction 10th Mar 17, 6:53 PM
    • 4,211 Posts
    • 23,452 Thanks
    in need of direction
    You'll be into the twos.
    Mortgage at 01.01.14 £119,481.83 today £83,478.58, target £75,000 by 31/12/17 Offset fund today £3,415.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 11th Mar 17, 6:43 AM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Thanks monz and INOD . Looking forward to hitting the twos.

    A NSD yesterday . Not much else to report, had a good first day back at work then watched the rugby. Went to bed straight after the rugby as was feeling exhausted. Still feeling tired today so will monitor as may need my iron levels checked again.
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
    • misstara
    • By misstara 12th Mar 17, 7:38 AM
    • 2,125 Posts
    • 14,731 Thanks
    misstara
    Managed another NSD yesterday. Had an incredibly hectic day at work then went home and watched the rugby lots of shouting at the tv!

    OH and a friend did some work on the garden which has given us an idea of what else we need to get so think the plan is for OH to meet me after work to go shopping.

    It's a right foggy and miserable day here, hope it brightens up later as we may go for a walk along the beach too
    Debt at LBM Jan 2014 £10458.09 Now £231.13 (97.8% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 4/12. Groceries target £131.84/£135. NSD target 15/16.
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