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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,588Posts
    • 18,232Thanks
    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 83
    • misstara
    • By misstara 29th Nov 17, 11:04 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Payday today so made my payments to the debt. No other spends. Electricity bill is through so will pay that tomorrow.

    Yesterday's spends were £46.78 on some presents and cards plus £50 on a parking permit.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • misstara
    • By misstara 6th Dec 17, 10:04 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Can't believe it's been a week since I last posted.

    Friday - I paid the electricity bill but other than that a NSD

    Saturday - went to my works Christmas night out, spent £45.

    Sunday - spent £38.05 in the supermarket and £11.50 on a takeaway to share with OH

    Monday and Tuesday were both NSDs

    Today - spent £25 on a Christmas present for my sister and £39.99 on hair straighteners. My one's have not really been working properly for a while and saw these at 50% off so went for it.

    Went to the doctors yesterday as been feeling horrendous recently, stomach issues again so going to be referred to a dietitian. Hopefully will be back to usual self soon
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • monz
    • By monz 7th Dec 17, 9:39 AM
    • 2,974 Posts
    • 9,180 Thanks
    monz
    Feel better soon <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • misstara
    • By misstara 7th Dec 17, 10:40 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Feel better soon <3
    Originally posted by monz
    Thanks monz, will hopefully be back to my usual self soon

    Nothing much to report today, a NSD and I've paid £9.55 to the debt.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • misstara
    • By misstara 15th Dec 17, 8:43 AM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Over a week since I last posted, really need to get in the habit of posting daily again as it really helps keep me focused. Feel like debt busting has taken a bit of a back seat recently so need to get back on it.

    We had a lovely weekend away in Edinburgh, I then spent a couple of days doing Christmas shopping which now means I'm almost done and then on Wed I headed home to spend some time with my family before Christmas. Should get a few NSDs as I don't tend to do very much when home.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • misstara
    • By misstara 19th Dec 17, 12:50 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Came back up yesterday and today is my last day of hols before going back to work tomorrow. This morning I've mostly been organising - toiletries, freezer and next the cupboards.

    Yesterday I spent £32.81 on food. Today I need to buy a present for my gran before popping out to see her and also put some petrol in the car.

    I've made a £2.25 payment to the flat debt
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • misstara
    • By misstara 21st Dec 17, 10:24 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Last two days have been NSDs, not much else to report. Payday tomorrow - I've not done a budget yet, I'm just going to move it into a separate account and forget about it until nearer the end of the month.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • misstara
    • By misstara 28th Dec 17, 10:30 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Once again a week since I last posted

    We had a lovely Christmas (even though I had to work ) and I was truly spoilt.

    I still need to do a budget for my pay so better work on that over the weekend.

    I'm also still not feeling particularly good but have a dietitian appointment mid January so we'll see how that goes.

    Not much else to report, it was a NSD today. I got some cashback paid into my account - £8.03 so that has been paid to the debt
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • misstara
    • By misstara 30th Dec 17, 10:40 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    So I've decided to start a new diary which will be imaginatively named misstara's debt diary 2018 I've spent the last 2 days reading through my diary and I just think it's time for a new one.

    I've paid off all of the original debt but still have a long way to go because of buying stuff for the flat and also buying a car.

    I'm hoping that a new diary will inspire and motivate me which is something I feel has been lacking recently.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
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