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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,272Posts
    • 15,800Thanks
    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 75
    • misstara
    • By misstara 25th May 17, 8:09 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    i'm with alemrst but get those trainers. BTW, don't the honest comments from friends make you feel so much better NOT!
    Originally posted by in need of direction
    much as I love my friends, don't always love their honesty .

    So tea and drinks out last night cost £20. I also spent £1.89 on lip balm.

    That's me now off on holiday for a week . I have today at home then I'm heading down the road for the rest of the week. Plan for today is to tidy the flat, pick up a prescription, do a wee shop to keep OH going while I'm away and do some gardening. It's a beautiful day so will sit out in the garden to enjoy it.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • monz
    • By monz 25th May 17, 9:54 AM
    • 2,578 Posts
    • 6,780 Thanks
    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.
    Originally posted by misstara
    https://www.amazon.co.uk/dp/B00MDK54BU/ref=wl_it_dp_o_pC_nS_ttl?_encoding=UTF8&colid=DVB8 NU58PFFJ&coliid=I1LHY4JUMO2WZN&psc=1

    Down in price. Can get in different colours so I have grey and black. I keep the black for work only. So comfortable Gonna try get them all 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 26th May 17, 1:00 PM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Thanks monz, I'll order some on payday.

    I'm currently sitting in a park in Edinburgh enjoying the sun . It's beautiful here, just have to be careful as I got slightly burnt yesterday and don't want to make it worse.

    So yesterday I spent £14.57 on a wee top up shop to do OH while I'm gone. I did a bit of gardening and tidied the flat then spent the rest of the day lounging in the garden. My lovely neighbour gave me a loan of a sun lounger and said I could borrow it whenever I wanted
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • monz
    • By monz 30th May 17, 10:53 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Well done on clearly original debt!!!!!!!!!!!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
    • Boodedoo
    • By Boodedoo 30th May 17, 2:03 PM
    • 233 Posts
    • 657 Thanks
    Boodedoo
    Congratulations!
    That original debt is history - through sheer hard work and determination, well done!

    and your (necessary) expenses for the new flat are just a temporary debt, I see you are almost 30% of the way towards clearing those too.

    really, really pleased for you :-)
    • in need of direction
    • By in need of direction 31st May 17, 12:08 AM
    • 4,422 Posts
    • 24,721 Thanks
    in need of direction
    Why didn't I get an invite to the celebration. You need to mark this by more than just a sig change.
    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.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 31st May 17, 9:09 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Thanks monz, Boodedoo and INOD. I guess it feels a little anti climatic considering I've still got debt to pay off but you're right INOD it does need a wee celebration.

    So the original debt is now gone and I shall have a wee gin tonight to celebrate

    I've been visiting my parents since Saturday so have been taking a break from posting. Heading back up just now so normal service will resume. Had a lovely few days and other than travel costs and £12.40 on lunch with a friend yesterday, I have not spent anything.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • misstara
    • By misstara 31st May 17, 9:57 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    So payday yesterday - £1731.91
    - £1100 usual bills
    - £190.38 original debt
    - £90 new flat debt
    - £100 electricity bill
    - £26 entry fee for a 10k
    - £25 sponsor for a girl at work
    - £150 food
    - £25 social
    - £25.53 clothes

    The £25 social is for a meal out with friends. One of the girls is up visiting from England so we are having a catchup. We will be having another meal out at the end of the month when another friend is visiting, however, I will fund that from pay from 2nd job.

    This pay hasn't really stretched to getting clothes, once I buy work trainers which are the priority I will only really have enough left for socks and possibly a primarni top, however, maybe next month . I also haven't budgeted anything for toiletries and I will need face cream in the next few weeks but again I'll fund it from 2nd job. I've got a wee shift booked for the weekend and a couple for next week.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • misstara
    • By misstara 1st Jun 17, 7:49 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Spent £17.64 yesterday on food but will need to pop in past somewhere today to get some gf/df items that Lidl don't sell.

    Will also need to get some throat pastilles and cough mixture. I didn't sleep well last night due to coughing, my throat is sore and I'm incredibly snotty - just what I want for my first day back at work after hols

    OH reminded me last night that I need to book travel tickets for when we go to Glasgow at the start of next month. Totally forgot to budget for this, thankfully he gets on the bus for free so it shouldn't be too much.

    Also forgot to budget for Father's day and I haven't seen my gran since her birthday a few days ago so will need to get her a wee something.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • misstara
    • By misstara 2nd Jun 17, 7:47 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    £6.32 spent yesterday on food and £6.75 on throat pastilles, cough mixture and nasal spray. I went to the doctors late afternoon as I felt it was more than a cold - I have a throat infection and have a course of antibiotics to take
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • monz
    • By monz 2nd Jun 17, 9:12 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Hope you feel better soon!!!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 3rd Jun 17, 7:44 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Hope you feel better soon!!!xx
    Originally posted by monz
    Thanks monz - still feel awful but at least had a slightly better nights sleep last night.

    I've had to cancel my shift with 2nd job tomorrow as I don't feel well enough. Think that's the first time I've ever cancelled a shift with them.

    Yesterday was a NSD other than paying the electricity bill. There's now £8.24 left to go towards the next one.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • misstara
    • By misstara 4th Jun 17, 10:34 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Spent £4.71 yesterday on milk and icecream, decided I must have icecream to help my sore throat

    Fell asleep ridiculously early last night so have been awake for hours. Definitely feel slightly better though which is good.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • Mummy_bear
    • By Mummy_bear 4th Jun 17, 2:53 PM
    • 49 Posts
    • 173 Thanks
    Mummy_bear
    Just read through your whole diary... Wow. Very inspiring.

    I love the idea of those little payments you kept making. I'm totally going to be doing this.

    Subscribing to see what's in store for you from now on x
    My LBM May 2017 , DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £2167.99/£37139.86 5.8% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £1448.86/£9091.72 15.93% paid
    • misstara
    • By misstara 8th Jun 17, 11:21 PM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Just read through your whole diary... Wow. Very inspiring.

    I love the idea of those little payments you kept making. I'm totally going to be doing this.

    Subscribing to see what's in store for you from now on x
    Originally posted by Mummy_bear
    Thanks for your post Mummy_bear . The little payments do all add up and the great thing is you don't really notice a few pounds here and there. Best of luck to you, I'll have a nosey and see if you have a diary tomorrow.

    Haven't posted since Sunday, it's been a particularly hard going week at work and very emotionally draining so I haven't felt like posting. Just tomorrow to go and then off the weekend

    Was out for tea yesterday with friends and spent £5 more than I had budgeted. Borrowed from the food budget so will replace that when I get money from 2nd job next Friday. Had a lovely time, great to catch up and the food was yummy.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • AleMrsT
    • By AleMrsT 10th Jun 17, 7:31 PM
    • 489 Posts
    • 1,206 Thanks
    AleMrsT
    I missed the celebration for you clearing your original debt, I'm sorry!! I haven't been getting any updates so I thought I'd check in and noticed that you did it! You made the final payment Well done!!

    Good luck on clearing the new flat debt, you have gotten into some really good money habits which will keep you going to get that down too.

    Sorry to read you've not been feeling well, hope you're a lot better now.
    Debt @ LBM Nov 2014 = £7586.85
    DEBT @ Start of DMP Jan 2015 £7202.85 now £4804.26
    Italy 2018 £2103.44/£561.44 paid
    Weight loss target 35lbs: 6lbs lost/29lbs to go
    • misstara
    • By misstara 13th Jun 17, 7:31 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    I missed the celebration for you clearing your original debt, I'm sorry!! I haven't been getting any updates so I thought I'd check in and noticed that you did it! You made the final payment Well done!!

    Good luck on clearing the new flat debt, you have gotten into some really good money habits which will keep you going to get that down too.

    Sorry to read you've not been feeling well, hope you're a lot better now.
    Originally posted by AleMrsT
    Thanks AleMrsT . I'm thankfully feeling much better now, even went for a wee run yesterday.

    Had a lovely weekend off, very relaxed. Saturday I met my gran for lunch, spent £4 on a wee plant as a belated birthday gift. I also spent £38.28 in the supermarket and £6 on a wee father's day gift. Sunday I caught up with household chores and read a book.

    Back to work yesterday, still not a great day but better than last week. It was a NSD

    Today won't be a NSD as we've eaten all the fruit I bought at the weekend and I still need to book travel tickets for going to visit my brother and SIL next month.
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • misstara
    • By misstara 13th Jun 17, 7:33 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Forgot to say I made a £2.18 payment to the debt yesterday
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • misstara
    • By misstara 14th Jun 17, 10:42 PM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Spends for yesterday are £7.31 on fruit plus a few other bits and £18.50 on travel tickets.

    Today has been a NSD . Was on a late shift so got a nice long lie this morning. Went for a run, was a real struggle but I saw some seals
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
    • misstara
    • By misstara 17th Jun 17, 7:27 AM
    • 2,272 Posts
    • 15,800 Thanks
    misstara
    Thursday was a NSD

    Yesterday I had a day off. Went for a run, slightly longer than Thursday's one and not so much of a struggle. Also did a kettlebells workout once I got home. Did the weekly shop - £25.04.

    Got paid £27.18 from 2nd job yesterday so £23.50 back into food budget to replace what I'd borrowed for my over budget meal and travel tickets. The rest I put into the fund for the next electricity bill.

    Today I'm working an early for my job and a late for 2nd job. Unfortunately it looks like it's going to be a beautiful day so I'm going to miss all the sunshine
    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 - 4/12. Groceries target £117.87/£150. NSD target 10/16.
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