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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,487Posts
    • 17,353Thanks
    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
    • 2,487 Posts
    • 17,353 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 £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 £70.25/£200. NSD target 6/15.
    • misstara
    • By misstara 6th Dec 17, 10:04 PM
    • 2,487 Posts
    • 17,353 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 £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 £70.25/£200. NSD target 6/15.
    • monz
    • By monz 7th Dec 17, 9:39 AM
    • 2,869 Posts
    • 8,600 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
    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 7th Dec 17, 10:40 PM
    • 2,487 Posts
    • 17,353 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 £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 £70.25/£200. NSD target 6/15.
    • misstara
    • By misstara 15th Dec 17, 8:43 AM
    • 2,487 Posts
    • 17,353 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 £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 £70.25/£200. NSD target 6/15.
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