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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,358Posts
    • 16,336Thanks
    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 77
    • misstara
    • By misstara 7th Jul 17, 7:25 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    NSD on Wednesday. Yesterday I spent £12.25 on a bottle of prosecco and flowers for a girl at work who's leaving and also bought a big issue (£2.50) from a friendly guy who sells near my work. Both spends totally unbudgeted but never mind.

    Did a short shift yesterday for 2nd job so should get around £25 next Friday. That covers my unbudgeted spends

    Will definitely need to get a proper shop in either today or tomorrow. I'm running low on coffee which is an essential.

    Went for a run after work yesterday, day off tomorrow so planning another one then.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 8th Jul 17, 2:35 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    NSD yesterday, managed to eke out my coffee until this morning. Me and OH have just been to the supermarket and spent £47.85. Little bit more than I hoped for but it did include a massive pack of toilet rolls and washing tabs plus a duck crown for a roast dinner so not too bad really. We're having a roast tonight as I'm on a double shift tomorrow.

    Not much else to report, it's a lovely sunny day here so 2 loads of washing done and hung out, pottered about the garden and have also been for my run.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • MissShoes
    • By MissShoes 9th Jul 17, 11:02 AM
    • 1,243 Posts
    • 1,827 Thanks
    MissShoes
    I just read your WHOLE diary from start to finish......

    Roll on smashing the new debt!

    How is OH's work situation now? Is he feeling much better and able to work more hours?

    You are awesome- well done xx

    Shoes x
    DFD 4th July 2015 Happy Independence Day
    • misstara
    • By misstara 9th Jul 17, 11:19 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Hi Shoes

    Thanks for taking the time to read through my diary and for posting. Unfortunately OH has not worked for over a year and is unlikely to go back to work anytime soon however, we get by on my wage.

    Today will be a NSD, I've taken heaps of food to work so no need to spend. Rounded down my current account and have made a wee £1.33 payment to the debt
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 11th Jul 17, 7:32 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Spends for yesterday - £21.50 on a birthday card and present for a friend, £23 on a meal out and £1 on milk.

    There's now £10 left in the social budget, OH mentioned we've been invited out for drinks next weekend to catch up with some friends so will put it towards that.

    Couple of direct debits went out this morning so I've rounded down my account - another £2.84 paid off the debt
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 11th Jul 17, 10:38 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Another NSD today Will aim for NSDs tomorrow and Thursday and then do the weekly shop on Friday as I'm off work then.

    Me and OH have been discussing for ages about possibly getting a dog but not really doing anything about it. Today I phoned the council to see how you go about getting permission for a pet so they are going to send out the forms.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • in need of direction
    • By in need of direction 12th Jul 17, 8:59 AM
    • 4,573 Posts
    • 25,617 Thanks
    in need of direction
    My dog is currently on holiday and I miss her so much. Think very carefully as once you get used to them being there, there's a major gap even if they are just being walked when you get home from work. They also require so much care and attention. They are great though.
    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.
    • monz
    • By monz 12th Jul 17, 10:24 AM
    • 2,727 Posts
    • 7,667 Thanks
    monz
    ahhh a we dog!!! if you do need to post a pic or mail me a pic <3 xxz
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • misstara
    • By misstara 14th Jul 17, 11:05 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Thanks for your posts INOD and monz. It's something we have discussed for a while and we always said we get a dog once we had our own place. I also think having a dog will be good for OH's physical and mental health as it will encourage him to go out and about more. Anyway the forms came through today with a permission letter. We're looking at rehoming a dog as we both like that idea rather than getting a puppy. Will let you know how we get on.

    NSDs Wed and yesterday. Went shopping today and spent £26.92 on food and £8 on lightbulbs.

    Had a day off work today so went out for a run this morning, caught up on cleaning, washing and ironing plus did some baking. OH and his friend did some gardening. Had a yummy chicken salad for tea using lettuce from the garden.

    I then spent a couple of hours reading back through my diary. Just feeling slightly off sorts at the moment and wanted to remind myself how far I've come. One thing that it really reminded me about was getting a proper emergency fund up and running. The last one got wiped out by moving twice in 6 months and I've never properly replaced it - currently has around £60 in it so only use in the tiniest of emergencies. I also need to save more money towards the electricity bill, again there's currently around £60 saved towards it - due at the end of August though so plenty of time to save. In September I have a hen weekend followed by the wedding the next weekend so better get saving for that too. I think I said previously we can stay with my parents for the wedding so save money on accommodation. OH has his suit and I have a dress I can wear (provided it still fits me) so that saves us some money too. Definitely need to get saving though.

    Payday from 2nd job today and got £23.68 - £3.68 has been paid off the debt, £14.50 has gone into the food budget to cover the money I borrowed from it for the hen weekend tickets and the other £5.50 to the social fund towards drinks out with friends next weekend.

    Did a shift for 2nd job yesterday so that will net me around £50 next Friday. I've managed to pick up two shifts with 2nd job next week hopefully around £90 the following Friday.

    Right best head off to bed, working tomorrow.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 16th Jul 17, 7:32 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Yesterday was a NSD

    Today I'll need to get some contact lens solution, lip balm and flour. Shouldn't need anything else though.

    at OH and his friend. They cut the grass, did some weeding and planted some bushes on Friday. In the process, they've managed to destroy all the carrots and pull up all the herbs thinking they were weeds Oh well it's done now, I'll replant some seeds after work and see how they go.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • Boodedoo
    • By Boodedoo 16th Jul 17, 8:44 AM
    • 261 Posts
    • 779 Thanks
    Boodedoo
    Yesterday was a NSD

    at OH and his friend. They cut the grass, did some weeding and planted some bushes on Friday. In the process, they've managed to destroy all the carrots and pull up all the herbs thinking they were weeds Oh well it's done now, I'll replant some seeds after work and see how they go.
    Originally posted by misstara
    Oh sorry, but that made me smile. My OH does things like that and I honestly think its part of his great plan to never get asked to do anything around the house/garden. So far his plan has been very successful! Still, I've had him for 45 years and don't have the energy to try to train a new one :-)
    • misstara
    • By misstara 17th Jul 17, 7:15 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Oh sorry, but that made me smile. My OH does things like that and I honestly think its part of his great plan to never get asked to do anything around the house/garden. So far his plan has been very successful! Still, I've had him for 45 years and don't have the energy to try to train a new one :-)
    Originally posted by Boodedoo
    you may be onto something there Boodedoo! Seeds have now been replanted so we'll see what happens.

    Yesterday ended up being a NSD, I couldn't be bothered going to the shops after work but will definitely need to go today. Salad cream and washing up liquid have been added to the shopping list.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 18th Jul 17, 7:23 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Spends for yesterday - £9 on contact lens solution (supposedly a 3 month supply but it always lasts longer), £1.89 on lip balm and £5.50 in the supermarket. I also spent £11.83 on some bits to donate to a raffle at work.

    Gorgeous day here yesterday so spent a couple of hours after work sunbathing in the garden. Looks like today is going to be the same
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 18th Jul 17, 7:49 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Just checked my accounts and rounded down - £1.01 paid off the debt
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • in need of direction
    • By in need of direction 18th Jul 17, 8:30 AM
    • 4,573 Posts
    • 25,617 Thanks
    in need of direction
    So close to being a third of the way
    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 19th Jul 17, 7:50 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    So close to being a third of the way
    Originally posted by in need of direction
    £2.51 paid off this morning so now at 33%

    Was planning a NSD yesterday but my headphones broke, £7.49 for a new set. OH also ran out of milk, tea and sugar so £5.01 spent on those and a bottle of squash.

    Lovely day again yesterday so spent an hour or so after work sunbathing in the garden. Today is not so nice but will hopefully be a NSD.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 20th Jul 17, 12:26 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Yesterday was a NSD and today will be as well Paid another £4.50 off the debt today

    Had planned to go for a run this morning but 5 minutes before I was going to leave, it started raining heavily so put on some music and did a workout in the flat instead.

    Will get £53.17 from 2nd job tomorrow
    - £3.17 to debt
    - £20 electricity bill
    - £10 emergency fund
    - £10 social fund
    - £10 hen weekend fund

    Currently heading into work for a late shift, going in a wee bit early so that will be another hours overtime on next months pay
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • misstara
    • By misstara 21st Jul 17, 10:24 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    £3.17 paid to the debt today taking it to 33.3% paid off

    Today has been a NSD, will definitely need to get some food shopping done tomorrow.

    Did a shift for 2nd job tonight and then I've got a wee shift tomorrow morning. Will be knackered but then I've got the rest of the weekend off. We're going to a BBQ tomorrow and then drinks out with friends on Sunday
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • Boodedoo
    • By Boodedoo 22nd Jul 17, 4:18 PM
    • 261 Posts
    • 779 Thanks
    Boodedoo
    £3.17 paid to the debt today taking it to 33.3% paid off
    Originally posted by misstara
    Wow! you are doing SO well ! The move costs are soon going to be a thing of the past :-)
    • misstara
    • By misstara 23rd Jul 17, 2:48 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Wow! you are doing SO well ! The move costs are soon going to be a thing of the past :-)
    Originally posted by Boodedoo
    Thanks Boodedoo - getting there slowly

    Went to the BBQ yesterday and spent £10 then went to a local rescue place to look at dogs. Unfortunately most of the dogs were quite big and not suited for our wee flat and the only dog that we agreed on was already reserved for someone else so no dog as yet. There's another rescue place fairly close by so plan is to go there at some point this week.

    We also went to the supermarket and spent £15.09 although realised we forgot a few things so will nip in and get them on the way home later.

    Meeting friends for a couple of afternoon drinks at 4. Put a gammon joint in the slow cooker earlier so we can have that for tea once we get home.

    Had a lovely long lie this morning and then went for a run. Ran 6k which wasn't bad, still got 5 weeks until the 10k.

    Payslip from main job came through yesterday so will have to work on a budget, get paid on Friday. Finances this week look a bit tight but we'll manage, don't want to transfer money out of savings.

    Right, suppose I better go and start getting ready. We're walking into town to save on bus fare so will need to leave shortly. Hope everyone is having a good weekend
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
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