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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,118Posts
    • 14,686Thanks
    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 71
    • misstara
    • By misstara 12th Mar 17, 10:47 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Well it did turn into a nice day but felt crappy and tired after work so just came straight home and crashed on the sofa with a book. At least it was another NSD
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • AleMrsT
    • By AleMrsT 14th Mar 17, 9:11 PM
    • 475 Posts
    • 1,171 Thanks
    AleMrsT
    misstara I haven't been on for a while but I'm all caught up. Honestly you are the main reason I'm still coming here. I'm so looking forward to the day that you make the final payment to your debt so that we can all celebrate with you! You have worked so hard, and have been and still are so meticulous with keeping track of every penny, it really is admirable.

    Keep going, you are so so close now, I want to send you 15p to get you over into the 200s!!

    I will try and pop in more often as I would be gutted if I missed your DFD!
    Debt @ LBM Nov 2014 = £7586.85
    DEBT AT START OF DMP JAN 2015 £7202.85 now £5132.26
    NCC £1975.35/£2414.66 HCC £1607.32/£1973.50 LOAN £813.56/£1759.69 OVERDRAFT £736.03/£1055
    General savings for Christmas/holidays etc £100/£500
    • misstara
    • By misstara 14th Mar 17, 10:09 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Hi AleMrsT good to see you thanks for your lovely post. I actually paid £7.34 to the debt today so the original debt is now in the 200s . My plan is to try and pay off the original debt by my birthday in May and the new flat debt by the end of the year.

    I had a day off work today. Went to the doctors this morning and have been advised to give up dairy for a month to see if it helps me. Popped to the supermarket to get dairy free stuff and spent £13.40 on that and some veg. Also bought some net curtains for the bedroom and some more gardening stuff - £16.22 spent.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • monz
    • By monz 15th Mar 17, 9:36 AM
    • 2,377 Posts
    • 5,220 Thanks
    monz
    Hope you are ok Miss Tara <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • ani*fan
    • By ani*fan 15th Mar 17, 5:13 PM
    • 1,427 Posts
    • 3,363 Thanks
    ani*fan
    Hiya misst

    A few wee tips about dairy free from a vegan wannabe ()...alpro soya milk is the only one that doesn't curdle in coffee, the cheaper ones are good for everything else, vegan cheese is dreadful and a waste of time, don't even bother, and some ordinary spreads like vitalite are dairy free instead of butter.

    Jelly tots, skittles and fry's chocolate cream, all dairy free.

    Hope that helps!

    If you know you have enough, you're rich.
    • misstara
    • By misstara 15th Mar 17, 11:16 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    monz - I'm ok, just fed up of feeling rubbish not feeling any better yet but hoping I will soon.

    ani - amazing thank you for the tips. I don't take milk in coffee so not an issue there. I got vitalite yesterday and alpro yoghurts which taste ok. I bought lactofree cheese which also tastes ok. Didn't realise frys chocolate cream was dairy free so will definitely be buying some.

    A NSD today had a super busy day at work, so happy to be on a late tomorrow. Looking forward to a lie in. OH took himself off to bed early so curled up on the sofa and watched a film. Heading off to bed now.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • misstara
    • By misstara 16th Mar 17, 1:49 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    My lie in lasted until 7.15am but at least better than usual 6am get up. I've made pasta salad to take with me for tea tonight at work and I made enough for lunch tomorrow too. I also made a gf df banana loaf which tasted lovely. Today will be a NSD.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • misstara
    • By misstara 17th Mar 17, 11:51 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Got paid today from 2nd job - £81.66 but will put it all in the general household budget for the time being and see how I go before making more debt repayments.

    2nd job cancelled my shift for Sunday so am down about £60 unless I manage to pick up something else. Will need to be really careful with money for the rest of the month I think. Nothing planned for this weekend. Got a meal out with the girls this week so need to suggest somewhere cheap that does gluten free/dairy free options. Not a clue about this so will need to do some research tomorrow. Then the wedding is next weekend and also Mother's Day.

    I've got a day off tomorrow so planning to meet my gran for a coffee, go to the supermarket and then watch the rugby.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • Scott_Weiland
    • By Scott_Weiland 18th Mar 17, 3:44 AM
    • 270 Posts
    • 467 Thanks
    Scott_Weiland
    Rugby sounds good i am stuck at work i am devastated i aint being able to watch the games today it will be catch up at silly am for me on sunday morning.
    Debts 16349.33
    • misstara
    • By misstara 19th Mar 17, 2:11 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Hi Scott, hope you've enjoyed catching up on the rugby today. I watched the 1st two but then got distracted by other stuff so will watch England-Ireland tonight. Currently avoiding all papers, TV and radio as I don't want to know the score before I watch it.

    Spends for yesterday are £4.60 on coffee with my gran and £18.57 in the supermarket. Today will be a NSD

    2nd job phoned yesterday so I got another shift for today . I've just finished it and my feet are killing. Really need to get new work trainers, think I will save and get decent ones instead of the usual £10 ones I get.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • in need of direction
    • By in need of direction 19th Mar 17, 3:37 PM
    • 4,198 Posts
    • 23,385 Thanks
    in need of direction
    miss t, you have to have the right equipment to do a job properly. don't neglect your feet!
    Mortgage at 01.01.14 £119,481.83 today £85,739.60 Current target pay £26,805.30 by 31.12.2016. payments made 21274.14 plus 6737.54 in interest earning account
    total £28,011.68
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 21st Mar 17, 10:46 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    miss t, you have to have the right equipment to do a job properly. don't neglect your feet!
    Originally posted by in need of direction
    I know INOD, just so many other things that seem to take priority and eat up my money. Will try to find some money in April's budget for some decent trainers.

    Not much to report over the last couple of days, £6.80 at the supermarket yesterday and £2.89 today. Got a meal out planned with girls tomorrow night.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • monz
    • By monz 23rd Mar 17, 9:56 AM
    • 2,377 Posts
    • 5,220 Thanks
    monz
    Hope you are ok Miss Tara x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 24th Mar 17, 7:49 AM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Thanks monz

    Payday from 2nd job -£59.64. The last 2 direct debits for the month have come off and I've paid £2.65 to the debt. Once I've bought the wedding present today and paid for the accommodation and travel tomorrow, I will have around £50 left out of that budget for drinks tomorrow night and lunch with my siblings on Sunday - easily doable

    I have £55 left in my account until payday on Thursday so I'll move £15 to electricity bill and £10 to emergency fund leaving £30 for food.

    Got my payslip through yesterday so will start work on April's budget later.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • misstara
    • By misstara 27th Mar 17, 7:23 AM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Had a lovely weekend away and came back with a couple of pounds change in my purse from the budgeted £50 so pleased with that.

    I've still not done April's budget but will work on that tonight. Got the council tax bill in and it's not bad even with the extra each month from that bill, we must be in a lower council tax band here

    My phone is due for an upgrade so I switched it to a sim only deal saving £15 a month
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • misstara
    • By misstara 28th Mar 17, 7:28 AM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    April's budget is almost done, I just need to check on a couple of direct debits. Should be finalised tonight ready for payday on Thursday

    Spends for yesterday are £14.87 on a wee shop to do us until payday.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • misstara
    • By misstara 28th Mar 17, 9:44 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    So budget is done - £1404.94
    - £1100 usual bills
    - £150 food
    - £119.94 debt repayments
    - £10 travel
    - £12 emergency fund
    - £13 electricity bill
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • monz
    • By monz 29th Mar 17, 10:48 AM
    • 2,377 Posts
    • 5,220 Thanks
    monz
    Debt slowly but surely coming down. Moving is a very expensive time but look how far you have came xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 1st Apr 17, 10:44 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Debt slowly but surely coming down. Moving is a very expensive time but look how far you have came xx
    Originally posted by monz
    Thanks monz - debt seems to be coming down very slowly at the moment but at least it's heading in the right direction

    I did a huge shop yesterday - £54.40, however that is us properly stocked up. Hopefully weekly shopping bills will be a lot lower as we will just need fresh stuff.

    I also spent £20 on lunch with a friend. I don't have any social budget at all this month but have borrowed it from the food budget and will repay it once I get paid from 2nd job.

    Today has been a NSD and I went for a run this morning
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
    • misstara
    • By misstara 2nd Apr 17, 10:53 PM
    • 2,118 Posts
    • 14,686 Thanks
    misstara
    Another NSD today . Spent all day out with family which was lovely. On a late shift tomorrow so planning to go for a run in the morning.
    Debt at LBM Jan 2014 £10458.09 Now £243.66 (97.7% paid)
    New flat debt Jan 2017 £2302.75 Now £1848.22 (19.7% paid)
    Mini Targets
    Exercise target - 3/12. Groceries target £131.84/£135. NSD target 11/16.
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