misstara's debt diary 2014

misstara

NSDs yesterday and today, I have been doing training both days so been very tired in the evenings. Good for saving money I suppose.

Got payslips for weekly and monthly jobs so will get £1721.84 on Friday
- £30 food
- £1100 direct debits (no council tax this month )
- £50 me
- £100 February presents
- £80 electricity bill
- £20 BT cc
- £50 emergency fund
- £141.84 loan
- £150 savings

Me and OH have been discussing getting a help to buy isa, well I would as he is not eligible due to having bought a house in the past with a previous partner. Having looked into it, you can make an initial deposit of up to £1200 in the first month and then up to £200 a month after so our plan is to try and save the initial £1200 alongside paying down the debts this year.

misstara

Payday yesterday so made all my payments and now up to over 70% paid off :j :j :j

Spent just under £10 on some toiletries on Thursday (money taken from me fund) and it was a NSD yesterday. Went round to my friends for tea last night which was lovely. Today should be a NSD too, am working a double shift and will get all meals at work.

in_need_of_direction

Keep going like this and you'll be a mfw before you know it.

misstara

in_need_of_direction wrote: »

Keep going like this and you'll be a mfw before you know it.

That's the plan Feel like I'm on the final stretch with the debt, I guess now the hard part is probably remaining focused and not letting bad habits creep back in.

Yesterday was another NSD, today I did the weekly shop so £13.62 spent. It was mostly just fresh stuff, the cupboards and freezer still seem to be full of bits. I think possibly because I've been eating a lot at work recently and OH tends not to bother with a proper meal if I'm not in. All good for saving money

misstara

Was meaning to get an early night but oh well - I've just ordered a birthday present for a friend and spent £20.83 (managed to get 15% discount ). I also made a wee £6.77 payment to the debt

misstara

Another NSD yesterday and today should be one as well as I'm not planning to leave the flat until it's time to go to work. Had a lovely lie in this morning as I don't start work until 1.

misstara

A spend day today - bought some eggs to make fried rice for tea, chocolate and pear cider. Got IDed for the cider :rotfl: So spends for today - £4.70.

Payslip from 2nd job - £64.74. Plan is to put it all to the debt so will reach my £3000 target :T I'll then use some money from the DDs account to pay for food shopping next week.

Boodedoo

Quickly de-lurking to say :T WELL DONE !!:T

So pleased that all your efforts are paying off, debt over 70% gone, your budgeting is amazing AND you are just about there with the emergency fund target !

Wonderful stuff, truly wonderful and so well deserved.

ani*fan

misstara wrote: »

A spend day today - bought some eggs to make fried rice for tea, chocolate and pear cider. Got IDed for the cider :rotfl:

I wish that still happened to me!!!

misstara

Boodedoo wrote: »

Quickly de-lurking to say :T WELL DONE !!:T

So pleased that all your efforts are paying off, debt over 70% gone, your budgeting is amazing AND you are just about there with the emergency fund target !

Wonderful stuff, truly wonderful and so well deserved.

Thanks Boodedoo - so looking forward to getting rid of that last 30%

ani*fan wrote: »

I wish that still happened to me!!!

:rotfl: it's been a while!