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misstara's debt diary 2014

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  • misstara
    misstara Posts: 3,883 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    So today will mostly consist of clearing out/cleaning the old flat and then working a late shift. Today should hopefully be a NSD.

    I stayed up later last night to do some coursework and feel like I've got more of a handle on it now. I plan to do the same tonight and hopefully I'll get it finished ready for my assessor coming on Thursday.

    I've got a day off tomorrow so plan is meeting a friend for coffee, dentist, gym and of course more clearing out/cleaning.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10814.10/£15000 (72.1% saved). Emergency fund - £1562.44/£2000 (78.1% saved).
  • AspiringButAnxious
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    Deep breaths! You are managing everything really well — don't worry about updating this thread if you don't have time. As much as we like to hear how you're doing and offer support, it shouldn't be something which places more pressure on you.

    Good luck with everything:)
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • misstara
    misstara Posts: 3,883 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Thanks ABA :D definitely feeling a bit more calm and relaxed now after my day off yesterday.

    Met my friend for coffee, she paid for mine, it will be my treat next time. Then had the dentist, very pleased as only needed a scale and polish so £10.76 spent. Met another friend at the gym, weighed myself at the gym and have now lost 2 stone since I went gf in May last year. I really need to set aside some money to buy new clothes as I've barely bought anything since then.

    Also did a bit of cleaning at the old flat. Me and OH have decided that we will spend the full day there on Sat clearing out and have a takeaway on Sat night as a wee reward :)

    Got training today followed by a late shift at work so suppose I better get moving.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10814.10/£15000 (72.1% saved). Emergency fund - £1562.44/£2000 (78.1% saved).
  • misstara
    misstara Posts: 3,883 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Forgot to take my lunch with me today so a £3 spend on a meal deal, got some sushi which was yummy :)
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10814.10/£15000 (72.1% saved). Emergency fund - £1562.44/£2000 (78.1% saved).
  • misstara
    misstara Posts: 3,883 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Ended up spending more today than I had hoped - £27.98 at the supermarket and £39 :eek: on getting a jacket, my bridesmaid dress and OHs suit dry cleaned. Had no idea dry cleaning was so expensive.

    Went to the gym with my friend, plan to go again tomorrow as I have a day off.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10814.10/£15000 (72.1% saved). Emergency fund - £1562.44/£2000 (78.1% saved).
  • AleMrsT
    AleMrsT Posts: 577 Forumite
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    MissTara, as always, your diary is so inspiring!! You really should be so proud of what you've achieved, juggling two jobs, studying, moving house, fitting in time for the gym AND being the sole breadwinner! You're like a superstar. Hope things are all going great in the new flat, have you decided what you're going to do with your deposit from your old flat? Will you use it to replenish the emergency fund or use it to treat yourself? Good luck for the final stages of your journey, you are so close to the finishing line now!!
  • misstara
    misstara Posts: 3,883 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    AleMrsT wrote: »
    MissTara, as always, your diary is so inspiring!! You really should be so proud of what you've achieved, juggling two jobs, studying, moving house, fitting in time for the gym AND being the sole breadwinner! You're like a superstar. Hope things are all going great in the new flat, have you decided what you're going to do with your deposit from your old flat? Will you use it to replenish the emergency fund or use it to treat yourself? Good luck for the final stages of your journey, you are so close to the finishing line now!!

    Thanks AleMrsT :D not quite sure what we're going to do with the deposit yet, will need to have a discussion with OH about it.

    Spent most of the day at the old flat yesterday with OH clearing out and cleaning. Decided against having a takeway to treat ourselves and instead had some steaks from the freezer. Spent £6.60 on some bits to go with them.

    Went to the NeXt sale today and bought 4 pairs of jeans. Only cost £33 as I also had a £15 voucher that I got for Christmas. So happy that I've now got jeans that fit properly. Also bought a few toiletries, £11.76 spent.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10814.10/£15000 (72.1% saved). Emergency fund - £1562.44/£2000 (78.1% saved).
  • misstara
    misstara Posts: 3,883 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    A NSD yesterday which takes me up to 7, trying for 15 NSDs this month. Today won't be one as I'm meeting a friend for tea, between one thing and another I haven't seen her since the start of the year so really looking forward to catching up with her.

    I'm planning a wee trip to Edinburgh next month to see some friends so need to have a look for cheap travel tickets later.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10814.10/£15000 (72.1% saved). Emergency fund - £1562.44/£2000 (78.1% saved).
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Get you miss Tara :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,883 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    A couple of spendy days - £18 on tea out with my friend yesterday, today £1 on milk and £18.50 on tickets to Edinburgh next month.

    Will get £49.85 on Friday from 2nd job so £19.85 to the debt and £30 for food.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10814.10/£15000 (72.1% saved). Emergency fund - £1562.44/£2000 (78.1% saved).
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