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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,456Posts
    • 17,123Thanks
    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 80
    • misstara
    • By misstara 2nd Sep 17, 11:40 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    It gets so addictive paying bills and debt. Like I am now obsessed with getting paid and paying what I owe
    Originally posted by Tempus01
    Yep it definitely does

    Back from a few days away for the funeral. Ended up sleeping on a sofa so no extra costs for accommodation, however, did spend far too much on snacky stuff while travelling.

    Absolutely shattered with all the travelling so definitely planning a quiet day. Will need to pop to the supermarket at some point though, I plan to go to Lidl for cheapness and then Tesco for gf/df bits.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 4th Sep 17, 10:27 PM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Ended up spending £51.10 in the supermarket on Saturday. Bit more than I'd hoped for but never mind. Yesterday and today have been NSDs
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 7th Sep 17, 7:32 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    The last 2 days have been NSDs, need to pop to the supermarket after work but aiming to spend under £10.

    Went for a run on Tuesday with a friend and we were discussing entering another event to keep us focused. Probably looking at end Oct/start Nov so that will be good.

    Got my first payout from PA - £22.18 . I'm putting this towards a new suitcase as I'll need one for the wedding later on this month and one of the wheels on my current suitcase is wrecked. The PA money combined with the 1poll payout will get me a decent suitcase.

    I need to book transport to Glasgow for both the hen weekend and wedding so will do that tonight. I've borrowed a dress off my sister for the wedding but need shoes, I also need an outfit for the hen do as it's fancy dress so I'm planning to shopping after work for a look. OH tried on his suit and it still fits so no additional expenses for his wedding outfit.

    Need to check my payslip for 2nd job to see how much I'll get tomorrow, it will mostly go into the hen weekend/wedding fund. I've picked up a shift this weekend with 2nd job which should get me around £60 next Friday.

    Made a £1.02 payment to the debt today
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 9th Sep 17, 6:44 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Thursday
    I spent £12.55 in the supermarket, £5.99 on toiletries and £38.50 on travel tickets.

    Yesterday
    I was paid £103.49 from 2nd job so £3.49 to the debt and the rest to hen weekend/wedding. I spent £14.99 on an outfit for the hen weekend.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • Tempus01
    • By Tempus01 9th Sep 17, 3:00 PM
    • 61 Posts
    • 67 Thanks
    Tempus01
    Gosh miss Tara you are an early bird sounds like you've had a good week. Good on you!!!
    22.08.2017 start of my journey
    Loan = £8392.32/£7465 (incl interest) Barclays Card = £1631.36 Tesco Credit Card = £2003.17 / £2086.17 NatWest Credit Card = £1422.34/ £1406.43 Littlewoods account = £104 / £40.60
    • misstara
    • By misstara 10th Sep 17, 7:42 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Gosh miss Tara you are an early bird sounds like you've had a good week. Good on you!!!
    Originally posted by Tempus01
    It's my weekend on so up at 6am same this morning.

    NSD yesterday worked early at my work followed by late at 2nd job. Today is a double at my work. Counting down the days to my holiday now, got two weeks off starting Thursday . I've decided not to pick up any shifts with 2nd job during this time so it really will be a proper holiday from work.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 11th Sep 17, 7:31 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    NSD yesterday will definitely need to get a few bits today but aiming for under £10 as we don't need much.

    It's feeling pretty chilly this morning, had a discussion with OH about checking if either of us needs any winter clothes so there's plenty of time to save for them.

    I'm taking my gym clothes to work so planning to go straight after. Can't mind if I said but I haven't been to the gym for 3 months as I've been running instead. It's only £17 a month but no point in paying it if I'm not going so will make more of an effort. Plan is to go to the gym at least once a week and run twice.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 12th Sep 17, 8:00 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Went to the gym after work yesterday and really enjoyed it. Spent £10.10 in the supermarket plus £15.49 on vitamins. Been feeling a bit tired and rundown recently so hope this perks me up.

    Need to pop to the phone shop after work as I'm not getting WiFi on my phone. It's definitely not an issue with our WiFi as it's working fine on OH's phone and the laptop. Very annoying though as I rely on the WiFi at home to keep my data charges down.

    Think I'm also going for a run with a friend later but waiting to see what the weather does.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 14th Sep 17, 9:23 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    WiFi is now working on my phone. Before going into the shop, I tried switching it off, taking the battery out and restarting which worked fine

    Went for a run on Tuesday with my friend and we're planning to make it a regular thing.

    Yesterday was a spendy day - £2.60 at lunchtime as I forgot to lift my soup out the fridge and then I went out for a meal with friends after work - £20 spent.

    First day of my hols today and I'm currently heading to the dentist so will report back afterwards with spends. I also need to pop into town to get a couple more things for the hen do/wedding and stock up on food to take with me to the hen do as I'm just not sure if there will be much provided that I can eat. May do that tomorrow though, kinda just want a pottering about the flat day today. I will need to buy some milk and fruit though.

    The £40 has come through from 1poll so I'll go and look at suitcases as well at some point.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 14th Sep 17, 11:01 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    £90 spent at the dentist which has gone on the credit card. I've updated my signature so back over £1500 to be paid, definitely feels like 1 step forward 2 steps back with the debt at the moment but I'll eventually get there.

    One side of my face is totally numb so decided to leave off most of the shopping until tomorrow. Stopped in at the supermarket after the dentist and spent £5.78 on the bits we needed.

    Almost home so planning to relax on the sofa and watch a film while the numbness wears off. Might go for a wee walk along the beach later depending on what the weather does.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 11:24 AM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Ouch to the dentist. You'll soon get rid of that extra 90 again.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Rachel24
    • By Rachel24 15th Sep 17, 9:58 PM
    • 96 Posts
    • 339 Thanks
    Rachel24
    Hi Tara, I've just spent the last couple of days reading your diary! Your posts have been so inspiring and I've decided to make small payments like yourself because it shows from your posts how well it adds up.
    I know it must be hard seeing your debt go back up but you've paid of 10k worth of debt and your paying all the bills yourself you should be so proud of yourself. Hope you enjoy having a nice relaxing holiday with no work. I've subscribed :-)
    • misstara
    • By misstara 18th Sep 17, 7:50 PM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Ouch to the dentist. You'll soon get rid of that extra 90 again.
    Originally posted by Mummy_bear
    Thanks Mummy_bear. I made a 61p payment towards it today so only £89.39 to go
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 18th Sep 17, 8:15 PM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Hi Tara, I've just spent the last couple of days reading your diary! Your posts have been so inspiring and I've decided to make small payments like yourself because it shows from your posts how well it adds up.
    I know it must be hard seeing your debt go back up but you've paid of 10k worth of debt and your paying all the bills yourself you should be so proud of yourself. Hope you enjoy having a nice relaxing holiday with no work. I've subscribed :-)
    Originally posted by Rachel24
    Thanks for taking the time to read through my diary Rachel24 . I definitely recommend making small payments as they quickly add up. Good luck with everything
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 18th Sep 17, 8:42 PM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Friday
    Spent £15.47 on some snacks to take with me to the hen weekend, a birthday card for my friends wee boy and some toiletries.

    Saturday
    Spent £1 on a magazine and £30 on drinks.

    Sunday
    Spent £31.50 on travel costs, £14 on lunch and £2 on a magazine

    So very little change out of the £100 I took out on Friday but at least I stayed in budget

    Today
    Spent £45 on a suitcase, £4.50 on a coffee and cake out with my gran and £9.50 on a jumper, cardie and top from a charity shop.

    Feel like I've spent quite a lot recently, however, almost all budgeted for which is good. Aiming for a NSD tomorrow
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 18th Sep 17, 9:08 PM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Forgot to add to last post - I also spent £23.02 on food at the supermarket today.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 25th Sep 17, 1:20 PM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    We're currently headed back home from being away so thought I'd do a wee round up of spends while away.

    Wednesday
    I spent £34.57 on a wedding gift and card, £5.68 on food and £2.40 on travel.

    Thursday
    A further £24.40 was spent on travel plus decided to treat myself to breakfast, £7.99.

    Friday
    I went out for lunch with some friends - £12 spent. OH came down in the evening, debated whether to go for a drink but didn't due to the weather.

    Saturday
    The wedding - had a fab time even though the weather wasn't great. Spent £25 which I'm pretty pleased with

    Yesterday
    A NSD . Spent the day generally relaxing and hanging out with family and friends.

    Today
    So far I've spent £3.39 on a b00ts meal deal for us to share while traveling. Will definitely need to pop to the supermarket once we get home.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • misstara
    • By misstara 26th Sep 17, 7:44 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    We debated getting a takeaway last night as neither of us could be bothered to cook, however, decided on a pizza from the supermarket and a cider instead - lovely and much cheaper . Spent £24.15 overall at the supermarket.

    Last day of holiday today I've got a contact lens appointment (not sure if there will be any spends for this) and I'm meeting a friend for lunch.

    The last of the direct debits went out my account today and I've made a £9.08 payment to the debt now sitting at 34.1% paid.

    Payslip for monthly wage is in so need to make a budget for next month. Unfortunately my certificate still hasn't arrived so no payrise yet I'll be chasing it up once I'm back in work tomorrow.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • monz
    • By monz 26th Sep 17, 10:59 AM
    • 2,835 Posts
    • 8,367 Thanks
    monz
    Sometimes things happen that you have to dip into it, dont beat yourself up!!! you have paid off over £10k in under 3 years!!! xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • misstara
    • By misstara 27th Sep 17, 7:31 AM
    • 2,456 Posts
    • 17,123 Thanks
    misstara
    Sometimes things happen that you have to dip into it, dont beat yourself up!!! you have paid off over £10k in under 3 years!!! xx
    Originally posted by monz
    Thanks monz

    So yesterday I attended my contact lens appointment, no spends for it. I've to go back in 6 months time though as my vision has deteriorated slightly but not enough for a change in prescription this time.

    I then met a friend for lunch - £17 spent and we also did a bit of shopping. Had some vouchers for next so had a look in their sale, got 2 tops and a nail varnish - £3.05 spent. I also spent £8 in £land and £9 on some new running socks.

    I've worked out the budget for October, I'll post it later once I'm home from work. I've budgeted a fair amount for toiletries as there's a lot needed and in particular both me and OH need razor blades which aren't cheap.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
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