misstara's debt diary 2014

monz

Woo welldone x

misstara

monz wrote: »

Woo welldone x

Thanks monz

Payday today so have paid £64.74 to the loan. Current debt is £2993.02 :T:T:T Will now need to have a think about next months goals. Don't think I'll go quite so ambitious with paying off debt, will put more into savings as I will need to start saving money for accommodation at my sisters wedding.

in_need_of_direction

Well done on getting into the twos. It'll be gone before you know it

misstara

in_need_of_direction wrote: »

Well done on getting into the twos. It'll be gone before you know it

Thanks INOD - I should be debt free by October!!

A spendy day - £25.64 on food shopping plus £27.99 on a birthday present for my brother. Not much else to report, had a day off work so I went to the gym and to the library. Rearranged our DVD collection - was hoping to get rid of quite a lot but OH was determined that he would watch most of them again so only managed to put a few in the charity shop bag.

Signed up for an app that was in Martin's email - gives you rewards for doing exercise, figured if I can earn vouchers from doing what I already do (walking to and from work everyday) I might as well

misstara

Right goals for next month
- debt down to £2600
- add £200 to savings
- £100 grocery budget (we still have fairly stocked cupboards and freezer so aiming for low spends on food this month)
- aim to get to the gym 3 times a week

snozberry

I have just read bits of your diary and I just wanted to say well done. You have done amazingly well to clear so much of your debt in a short space of time.

monz

under £3k woo woo xx

misstara

snozberry wrote: »

I have just read bits of your diary and I just wanted to say well done. You have done amazingly well to clear so much of your debt in a short space of time.

Thanks snozberry it's been hard going but so looking forward to being debt free.

monz wrote: »

under £3k woo woo xx

Lots of happy dancing going on here - roll on being under 2k!

A couple of spendy days - spent £5.20 yesterday on some bits for tea, today was almost a NSD but ruined it by spending £2.20 on chocolate. A day of training followed by a very stressful late shift at work meant chocolate was definitely needed

£5 bank account reward went in today so have paid that to the debt.

misstara

Went to the gym today after work and really enjoyed it, properly felt like all the stresses of the last few days faded away. Must try and go more often as I do feel so much better afterwards. It was also a NSD

Got my payslip for 2nd job so will get £84.74 on Friday, too tired to do a budget tonight so will do that tomorrow. I got the electricity bill through, I've saved £150 towards it, think I'm about £28 short but will work it out properly tomorrow.

misstara

A super spendy day - £97.50, I got my hair cut, my eyebrows done and bought new makeup however all paid for out of vouchers and money that I got for Christmas

The electricity bill is £177.24 so need to put £27.24 towards it.

Budget - £84.74
- £27.24 electricity bill
- £25 food
- £25 social
- £7.50 loan