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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,275Posts
    • 15,811Thanks
    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 73
    • misstara
    • By misstara 17th Apr 17, 6:45 AM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Did my shift for 2nd job on Saturday, the extra money will go on plants and seeds for the garden and booking travel tickets to see my parents next month. On the way home I popped to the supermarket and got stuff for lunches this week and baking things - £19.38 spent.

    Yesterday I went for a 10k run in preparation for the weekend, was hard going but I made it . I then pottered around the flat doing some cleaning and baking while OH and a friend did some gardening. Met the girls for a late lunch - £20 spent and then watched some catch up TV before getting an early night. A very nice day off

    Back to work today but it's double time again so not complaining!
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 17th Apr 17, 10:18 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    A NSD for me . Not much else to report, work was good although didn't get nearly as much done as I'd hoped. Spent some time this evening reading up and making notes for the next assignment for the qualification I'm doing, will start writing it tomorrow evening.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • monz
    • By monz 18th Apr 17, 11:54 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    Well done on 10k run!!! and glad you had a nice weekend well deserved xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • misstara
    • By misstara 19th Apr 17, 6:29 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Well done on 10k run!!! and glad you had a nice weekend well deserved xx
    Originally posted by monz
    Thanks monz.

    A NSD yesterday. Today I've spent £27.32 on food, OH decided that he wanted to come with me so spent more than I would usually and we also got some seeds and things for the garden - £20.76 spent on those. I also spent £18 on travel tickets for next month so it feels like it has been a spendy day. I've had to borrow money from the electricity bill fund and will replace it when I get paid on Friday.

    My payslip should be through tomorrow or Friday for monthly pay and I'm kinda dreading it as I think I did 1 overtime shift in March so May might be quite a tight month again. However, I've picked up 2 shifts with 2nd job next week so that will ease the pressure a bit.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 20th Apr 17, 9:30 AM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    A later start today as I had the doctors this morning so just wandering towards work now . Meeting some friends for tea tonight, haven't seen a few of them for a couple of months so really looking forward to it.

    Made a £3.73 payment to the debt this morning
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • monz
    • By monz 20th Apr 17, 9:54 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    Have a good night tonight xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • in need of direction
    • By in need of direction 20th Apr 17, 10:18 AM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    i'm loving how you creep ever closer to the 100%
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 20th Apr 17, 9:38 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Have a good night tonight xx
    Originally posted by monz
    Thanks monz, I had a lovely time. One of the girls found a voucher online so was £15 for a 2 course meal and a drink
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 20th Apr 17, 9:46 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    i'm loving how you creep ever closer to the 100%
    Originally posted by in need of direction
    I am slowly but surely inching my way there INOD, won't be long now

    I now have 2 days off. Got the boiler man coming round tomorrow, I asked for AM visit so hopefully he'll be round early. My plan is to plant some of the seeds we got yesterday while I'm waiting. Will also catch up on boring household chores then I'm popping round to see a friend in the afternoon. Saturday will be taken up by the run, we leave at 11am and don't imagine I'll be back until about 6pm.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 21st Apr 17, 2:34 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Boring household chores have been done, just the ironing to catch up on later and the boiler has been checked. I didn't go out to the garden as it was drizzly and miserable this morning, although of course now it's brightened up.

    Got paid from 2nd job today and after repaying the various bits I'd borrowed, I have a grand total of £13.23 in my bank account and £7 in my purse.

    I'll need to pop to the supermarket today as I hadn't realised how low we were on coffee, there's not enough left for a full cup in the morning and me without coffee is not a pretty sight
    Last edited by misstara; 22-04-2017 at 8:53 PM.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 22nd Apr 17, 8:57 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    The £7 in my purse is now gone - got coffee, milk and toilet rolls yesterday. Today has been a NSD

    Did the run today and very pleased with my time. Weather was variable and it was pretty cold but had a good day out.

    Spending the evening relaxing then back to work tomorrow.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 26th Apr 17, 9:52 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Wow didn't realised it's been 4 days since I last posted. They've all been NSDs and the £13.23 in my bank account is still intact. I shall add it to my monthly budget. Payday tomorrow and I'm still working on my budget, very unlike me!
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 26th Apr 17, 11:35 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    So...
    £1352.53
    - £1100 usual household bills
    - £112.53 debt repayments
    - £20 electricity bill
    - £130 food

    Anything I earn from 2nd job in May will be split as follows - 20% electricity bill, 20% emergency fund, 40% social fund/money for going to visit parents at the end of the month and 20% debt repayments.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • monz
    • By monz 27th Apr 17, 10:04 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    Go Miss Tara

    you are getting there xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • AspiringButAnxious
    • By AspiringButAnxious 27th Apr 17, 1:50 PM
    • 597 Posts
    • 2,420 Thanks
    AspiringButAnxious
    Haven't checked in for a while, but it's great to see you're still doing wonderfully well
    Rainy day fund — 500/500 Emergency fund target — 509/1000
    Loan — 0/17,000 = 0% Fun fund: £250 Credit card balance — £300 (currently on 0% interest) Very account (interest-free until November): £2865
    • misstara
    • By misstara 29th Apr 17, 9:29 AM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Thanks monz and ABA

    On Thursday, I spent £21.98 at the supermarket which included a wee payday treat of a pizza, bottle of cider and a chocolate cupcake . Yesterday I had the dentist so £10.88 spent on a scale and polish.

    Today should be a NSD - I'm just away to go to the gym then I'll do a tidy up in the flat and I'm doing a late shift for 2nd job.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 2nd May 17, 7:29 AM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Did the big supermarket shop on Sunday - £56.04 spent. Yesterday was a NSD and I went to the gym after work. Today should also be a NSD
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • misstara
    • By misstara 4th May 17, 7:40 AM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    Tuesday ended up being a spend day - I spent £6.99 on a watering can and painkillers.

    Yesterday was a day off. I had a fairly productive day - went for a run, cleaned the flat, did some gardening and some baking and cleaned the outside of the windows. It was a NSD

    Today I plan to go to the gym after work and then to the supermarket. We need a few things that I'd forgotten to get at the weekend.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • monz
    • By monz 4th May 17, 9:47 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    Go you Miss Tara xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • misstara
    • By misstara 5th May 17, 5:12 PM
    • 2,275 Posts
    • 15,811 Thanks
    misstara
    So yesterday's wee shop turned into £18.42 spend, however, I did get a lot of good ys bargains. The freezer is now at the stage where nothing else can be put into it so must stop buying food, especially when I've already spent a huge proportion of the food budget and it's only the 5th.

    Payday today and I got £92.06
    - £10 for toiletries
    - £16.50 electricity bill
    - £16.50 emergency fund
    - £33 social/going home
    - £16.06 debt

    I've picked up a late shift tomorrow with 2nd job after my usual shift so that will be £50ish next Friday.

    Today I have spent £8.79 on toiletries.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
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