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
    • 2,482Posts
    • 17,336Thanks
    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 81
    • misstara
    • By misstara 27th Sep 17, 10:28 PM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Today has been a NSD

    Budget - £1474.78
    - £1100 usual bills
    - £74.78 debt
    - £150 food
    - £50 toiletries
    - £30 present (sister's birthday)
    - £20 social
    - £50 electricity bill

    Me and OH discussed going away for a weekend later on this year, possibly to Edinburgh. We went a few years ago at the start of December and loved the lights and the Christmas market so would like to do this again - better start saving! Will try and finance this from 2nd job as much as possible. I've picked up a wee shift on Friday after my job which will net me around £30 so that's a start. I'll phone tomorrow and see if I can get anything for next week.

    I didn't get a chance at work today to chase up my certificate as it was so busy but will do that tomorrow.

    I've put on half a stone recently so will be trying to lose a bit of weight. I already do quite a lot of exercise so it must be my diet, I do snack quite a lot. Hopefully if I cut out the snacks, I'll lose weight and save a bit of money at the same time

    Really pleased with how the grocery budget looks this month although I think that's more down to me being away rather than anything else . Will try to keep it under control in October.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • monz
    • By monz 28th Sep 17, 9:09 AM
    • 2,868 Posts
    • 8,577 Thanks
    monz
    Love reading your budgets! so organised 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 - £540.43/1064.72
    • misstara
    • By misstara 30th Sep 17, 7:29 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Love reading your budgets! so organised xx
    Originally posted by monz
    Thanks monz

    Yesterday and Thursday were NSDs

    I'm currently heading into my work to do a wee overtime shift - extra pennies for next months pay then I've got the rest of the day and tomorrow off. Will pop to the supermarket after work to get a few bits, don't need a massive amount so aiming to spend under £20. I'll also stock up on the toiletries we need today.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 2nd Oct 17, 7:36 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Food shopping came to £37.10 on Saturday, not quite under £20 as I'd hoped however, £8.49 was on beef as OH decided that's what he fancied for yesterday's roast. We only cooked half of it, rest in the freezer for another day and the leftovers will be made into stovies for tonight's tea.

    I also spent £41.50 on toiletries on Saturday. Yesterday was a NSD . It was a proper miserable day right up until late afternoon so I pottered about the flat for most of the day and then we went for a quick walk before tea.

    Currently heading to work, I've taken my gym stuff with me so will head there after work. Hope everyone has a good Monday
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 2nd Oct 17, 8:30 PM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    A NSD as hoped today, I'm aiming for 20 this month so 2/20

    Went to the gym after work and had a good workout, plan to go again or for a run on Thursday.

    I've picked up a shift with 2nd job tomorrow after my job so I've prepped my tea ready to take with me.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 4th Oct 17, 7:20 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    A NSD yesterday so 3/20. Today won't be - I've got a meal out with friends and a wee shopping list to get. Plus OH's phone is completely knackered so I've agreed to finance it from the emergency fund and he'll pay me back at £10 a week.

    £3 bank account reward went in yesterday and has been paid to the debt, now at 37.5% paid
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • monz
    • By monz 4th Oct 17, 9:14 AM
    • 2,868 Posts
    • 8,577 Thanks
    monz
    Enjoy your dinner out with friends 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 - £540.43/1064.72
    • misstara
    • By misstara 6th Oct 17, 7:37 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Enjoy your dinner out with friends xx
    Originally posted by monz
    Thanks monz. I had a lovely time, it was much needed as Wednesday was a horrible day at work

    £15 spent on my meal out on Wednesday plus £14.63 on food and £60 on a phone for OH. Yesterday was a NSD 4/20 and today should hopefully be one too.

    Didn't go to the gym yesterday but I plan to run home from work today.

    I chased up my certificate last week but there's still no sign of it so will chase it up again today.

    I've been getting some pain in the tooth I recently had a filling in so went back to the dentist. I may need root canal treatment in that tooth at some point so suppose I better start saving for that too.

    Payday from 2nd job today and I got £31.03 - £6.03 to debt, £10 to electricity bill and £15 to savings for our weekend away.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 7th Oct 17, 7:44 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    NSD 5/20 yesterday . Today won't be as I'll need to get some bread and milk for me plus some milk for OH.

    Ran home from work yesterday but it was a real struggle . Someone from work asked if I fancied doing the tough mudder next year which I think would be fun and we would fundraise for my work.

    Made a docs appointment for next week as feeling exhausted all the time no matter how much sleep I get. Suspect my iron levels may be low again so want to get them checked.

    Not much else to report, I've picked up a shift with 2nd job today after my work. Between the one earlier this week and today, I should get around £90 on Friday . I've also picked up a shift on Monday which will get me around £35 the following Friday.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 8th Oct 17, 6:57 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    £8.12 spent yesterday on the bits we were needing so food budget is £59.85/£150. Today should be a NSD.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 9th Oct 17, 11:28 PM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Not much to report really - yesterday and today have been NSDs . I stayed on for a bit at 2nd job today so should get over £40 next Friday

    I wore my boots all day today which made me realise that I could probably do with another pair, they get really uncomfortable if I spend a lot of time on my feet.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 10th Oct 17, 10:07 PM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    £56.55 spent in the supermarket today, way more than I'd hoped for. OH was with me though, I think it's always more expensive if we do the food shop together
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • in need of direction
    • By in need of direction 10th Oct 17, 11:25 PM
    • 4,737 Posts
    • 26,830 Thanks
    in need of direction
    Dd always costs when she shops with me.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 12th Oct 17, 9:08 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    NSD 8/20 yesterday, definitely need more of these esp with spending so much of the grocery budget already.

    Ran home from work, just a 30 min run but it really helped clear my head. Work is horrendously busy at the moment and in the past of couple days I feel like I've barely made a dent in my to-do list.

    Just been to the doctors so I've got an appointment next week with the nurse to get my bloods taken. I've also got a 2 week prescription for stronger painkillers to tide me over until my dental appointment.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • in need of direction
    • By in need of direction 12th Oct 17, 9:29 AM
    • 4,737 Posts
    • 26,830 Thanks
    in need of direction
    Have you tried applying clove oil to the painful area?
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 13th Oct 17, 7:34 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Have you tried applying clove oil to the painful area?
    Originally posted by in need of direction
    No I haven't. The tooth itself is not actually particularly sore, just very sensitive. The pain is more along my jaw line, would clove oil still help for this?

    NSD 9/20 yesterday . Work still incredibly busy so really just worked, went home, ate and then went to bed.

    Payday from 2nd job - £88.69
    - £30 electricity bill
    - £30 weekend away
    - £20 dentist
    - £8.69 debt

    OH gave me back £10 yesterday so emergency fund is now sitting at a massive £50
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • in need of direction
    • By in need of direction 13th Oct 17, 8:05 AM
    • 4,737 Posts
    • 26,830 Thanks
    in need of direction
    Not sure about the clove oil but I'd still give it a try in the hope it would reduce the need for painkillers. They tend to do unpleasant things to my tummy.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 18th Oct 17, 7:36 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Thanks INOD, I got some on Monday. Can't say I've noticed a difference so far but worth a go. Thankfully the painkillers aren't affecting my stomach.

    Just realised I haven't posted for 5 days although there's not much to report. Still snowed under at work, still have toothache, still tired OH is being fab and putting up with my general grumpiness. On a more positive note, I've achieved some more NSDs
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 20th Oct 17, 8:44 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Went for a run with my friend on Wed evening which was lovely as haven't seen her for a few weeks. Definitely need to invest in some winter running gear as I got a bit cold and some bits were quite dark so could do with a head torch.

    NSD on Wed which takes me to 12/20 . Yesterday I spent £12.51 in the supermarket, needed coffee, teabags and a bulb for the sitting room lamp.

    Payday from 2nd job - £42.21
    - £2.21 debt
    - £10 dentist
    - £10 electricity bill
    - £20 weekend away
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • misstara
    • By misstara 25th Oct 17, 7:35 AM
    • 2,482 Posts
    • 17,336 Thanks
    misstara
    Just realised I haven't posted for 5 days again, oops. Work continues to be super busy but getting a bit more help so manageable

    Saturday
    A day off work, went for a run and to the supermarket. Now can't mind how much I spent but I'm now over budget for food

    Sunday
    Work, did a short shift for 2nd job so should get around £30 on Friday. NSD 14/20

    Monday
    Dentist after work and spent £11.12, root canal treatment is booked for Friday I also spent £3.20 on milk and ys bread.

    Yesterday
    NSD 15/20 and I went for a run with my friend.

    Today
    I've made a £3.11 payment to the debt . Hoping for NSD 16/20. I've arranged to pop round to see a friend after work but not feeling the best right now so will see how I feel.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
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

5,112Posts Today

7,023Users online

Martin's Twitter