Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,173Posts
    • 15,129Thanks
    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 74
    • misstara
    • By misstara 6th May 17, 10:01 PM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Not long finished my shift for 2nd job so pretty tired. One of the other girls kindly offered to hand my time sheet in so that saves me a detour after work tomorrow. It's been a NSD
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • monz
    • By monz 8th May 17, 10:39 AM
    • 2,453 Posts
    • 6,192 Thanks
    monz
    Doing fab Miss tara xx how was your weekend
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 11th May 17, 10:48 PM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Must try to get back in the habit of posting every day. Managed a few NSDs this week. Only day I spent was Wednesday - 9.71 on a top up shop.

    Went to the cinema on Wednesday as a wee birthday treat, saw guardians of the galaxy which was quite good. OH managed to get a gf df chocolate cake which was very much appreciated

    Not long finished an incredibly draining shift, can't wait to get home. Looking forward to my weekend off although I've picked up a wee shift with 2nd job on Sunday.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • misstara
    • By misstara 12th May 17, 7:39 AM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Payday from 2nd job - 50.40
    - 10 electricity bill
    - 10 emergency fund
    - 20 social/going home
    - 10.40 debt

    My payment this morning takes the original debt to 98% paid off so nearly there!
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • misstara
    • By misstara 13th May 17, 9:13 PM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    NSDs yesterday and today will need to pop to the supermarket tomorrow as we need a few things.

    Enjoyed my day off today, went for a walk this morning although it was a pretty miserable day. I went to the gym as well. Spent the afternoon baking and catching up with some TV.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • misstara
    • By misstara 14th May 17, 6:45 PM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Popped to the supermarket after work. I almost never go to a big tesco and got a little carried away with their free from range. Spent 22.55, I reckon only 10 of this was actually needed. However, it will get eaten and I managed to get lactose free blue cheese (incredibly excited about this ) so I don't feel too bad. Just over 20 left in the food budget for the rest of the month so will have to be careful not to go over budget.

    Had a good conversation with OH earlier regarding finances - some things for us both to think about
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • monz
    • By monz 15th May 17, 10:41 AM
    • 2,453 Posts
    • 6,192 Thanks
    monz
    Well done 98% xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 17th May 17, 11:03 PM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Well done 98% xx
    Originally posted by monz
    Thanks monz

    Nothing much to report, the last 3 days have been NSDs
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • misstara
    • By misstara 18th May 17, 7:43 AM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Made a 4.12 payment to the debt this morning - just over 200 left to pay on that card. Definitely on track to pay it off at the end of the month

    Got my payslip from 2nd job yesterday so will get 58.23 tomorrow.
    - 10 for a present for a friends son although hoping to spend less than this.
    - 9.50 electricity bill
    - 9.50 emergency fund
    - 19 social/going home
    - 10.23 debt repayment

    I feel my allocation of money from 2nd job has worked really well this month so I'll continue it next month.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • monz
    • By monz 18th May 17, 10:17 AM
    • 2,453 Posts
    • 6,192 Thanks
    monz
    Not long until original debt is gone and can focus on flat debt xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 19th May 17, 10:13 AM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Not long until original debt is gone and can focus on flat debt xx
    Originally posted by monz
    Only 190.42 to go . So excited!

    Today was payday from 2nd job so have made a payment to the debt and topped up the various funds. I opted not to do any shifts for them this week so no pay next Friday but it's been nice to have extra time to spend with OH.

    I've got the day off work. I'm currently on my way to the gym then to the post office to pick up a parcel and I'll pop in past the supermarket as we're needing a few things. Plan for the rest of the day is gardening and then meeting some friends for tea.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • monz
    • By monz 19th May 17, 10:42 AM
    • 2,453 Posts
    • 6,192 Thanks
    monz
    Enjoy your day off <3
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • misstara
    • By misstara 20th May 17, 10:36 PM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Enjoy your day off <3
    Originally posted by monz
    Thanks monz

    Spends for yesterday
    - 8.99 present for friends wee boy
    - 15.21 food
    - 15 kettle
    - 0.75 pegs

    The money for kettle has been taken from the emergency fund, well I guess that's what it's there for. Tea out has been postponed to Wednesday as one of the girls wasn't feeling well.

    Today I've been to my friends wee boys birthday party followed by a late shift at work. Spent 3.65 on something for tea as I wasn't organised before I left the flat.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • misstara
    • By misstara 21st May 17, 9:25 PM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    A NSD today . Not much else to report, a good day at work although I'm beginning to panic slightly about how much work I've got to get done before I go off on holiday for a week. Yummy roast beef for tea with plenty of leftovers for tomorrow.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • misstara
    • By misstara 24th May 17, 7:48 AM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    Monday and yesterday were NSDs . Today won't be as I've got the rescheduled meal with friends. One of the girls has got a voucher for the place we're going - BOGOF on main meals so should be a fairly cheap evening out. I also need to buy more lip balm. I bought one last time I was in the supermarket for 1 but I feel it actually makes my lips drier so I'll go back to my usual one.

    Last day at work before a week off, just counting down the hours. Will definitely be having a glass of vino with tea to celebrate freedom . I feel I really need a break, just to recharge my batteries Ran into a friend on the way home from work yesterday and they commented how tired I looked.

    Payslip came through yesterday for main job so I'll work on a budget tomorrow. Electricity bill is due, I've currently got 102 saved towards it so will obviously have to put some of my pay towards it. I'm also going to pay off the remaining original debt and hopefully make a decent payment towards the other card. If possible, I also would like to put some money aside for new clothes. I still haven't bought new work trainers, a few pairs of jeans are wearing thin and will need replacing, I need socks and leggings and I could do with some more summer things.

    Hope everyone has a good day
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • monz
    • By monz 24th May 17, 11:27 AM
    • 2,453 Posts
    • 6,192 Thanks
    monz
    I got great work trainers from amazon 16.99 so comfortable as well if you want link xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • AleMrsT
    • By AleMrsT 24th May 17, 7:56 PM
    • 482 Posts
    • 1,190 Thanks
    AleMrsT
    I keep checking in to watch that balance go down! I cant wait to celebrate with you when the original debt has gone!
    Debt @ LBM Nov 2014 = 7586.85
    DEBT @ Start of DMP Jan 2015 7202.85 now 4970.26
    Italy 2018 1961.44/461.44 paid
    Weight loss target 35lbs: 4lbs lost/31lbs to go
    • in need of direction
    • By in need of direction 24th May 17, 9:36 PM
    • 4,246 Posts
    • 23,709 Thanks
    in need of direction
    i'm with alemrst but get those trainers. BTW, don't the honest comments from friends make you feel so much better NOT!
    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 25th May 17, 7:59 AM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    I got great work trainers from amazon 16.99 so comfortable as well if you want link xx
    Originally posted by monz
    Yes please monz. Recently if I've been on a long shift, I've worn my running trainers which are comfy but would be better to have a separate pair just for work.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • misstara
    • By misstara 25th May 17, 8:02 AM
    • 2,173 Posts
    • 15,129 Thanks
    misstara
    I keep checking in to watch that balance go down! I cant wait to celebrate with you when the original debt has gone!
    Originally posted by AleMrsT
    Thanks AleMrsT. Payday is Tuesday so the celebration will commence then
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,508Posts Today

6,755Users online

Martin's Twitter
  • The strange thing with a 4yr old is having to play & smile while inside feeling sick for those in trauma in my birth town #Manchester

  • Just a quick ta-ta for now. I'm taking the week off for family time with mini and Mrs MSE. So I won't be here much. Back after the bank hol

  • Ugh another one trying it! Beware https://t.co/Ab9fCRA76F

  • Follow Martin