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misstara's debt diary 2014

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  • AleMrsT
    AleMrsT Posts: 577 Forumite
    misstara I haven't been on for a while but I'm all caught up. :j Honestly you are the main reason I'm still coming here. I'm so looking forward to the day that you make the final payment to your debt so that we can all celebrate with you! You have worked so hard, and have been and still are so meticulous with keeping track of every penny, it really is admirable.

    Keep going, you are so so close now, I want to send you 15p to get you over into the 200s!!

    I will try and pop in more often as I would be gutted if I missed your DFD!
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi AleMrsT good to see you :) thanks for your lovely post. I actually paid £7.34 to the debt today so the original debt is now in the 200s :T. My plan is to try and pay off the original debt by my birthday in May and the new flat debt by the end of the year.

    I had a day off work today. Went to the doctors this morning and have been advised to give up dairy for a month to see if it helps me. Popped to the supermarket to get dairy free stuff and spent £13.40 on that and some veg. Also bought some net curtains for the bedroom and some more gardening stuff - £16.22 spent.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Hope you are ok Miss Tara <3
    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
  • ani*fan
    ani*fan Posts: 1,554 Forumite
    1,000 Posts Combo Breaker
    Hiya misst :)

    A few wee tips about dairy free from a vegan wannabe (:D)...alpro soya milk is the only one that doesn't curdle in coffee, the cheaper ones are good for everything else, vegan cheese is dreadful and a waste of time, don't even bother, and some ordinary spreads like vitalite are dairy free instead of butter.

    Jelly tots, skittles and fry's chocolate cream, all dairy free.

    Hope that helps!

    :)
    If you know you have enough, you're rich. ;)
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    monz - I'm ok, just fed up of feeling rubbish :( not feeling any better yet but hoping I will soon.

    ani - amazing thank you for the tips. I don't take milk in coffee so not an issue there. I got vitalite yesterday and alpro yoghurts which taste ok. I bought lactofree cheese which also tastes ok. Didn't realise frys chocolate cream was dairy free so will definitely be buying some.

    A NSD today :) had a super busy day at work, so happy to be on a late tomorrow. Looking forward to a lie in. OH took himself off to bed early so curled up on the sofa and watched a film. Heading off to bed now.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    My lie in lasted until 7.15am but at least better than usual 6am get up. I've made pasta salad to take with me for tea tonight at work and I made enough for lunch tomorrow too. I also made a gf df banana loaf which tasted lovely. Today will be a NSD.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Got paid today from 2nd job - £81.66 but will put it all in the general household budget for the time being and see how I go before making more debt repayments.

    2nd job cancelled my shift for Sunday :mad: so am down about £60 unless I manage to pick up something else. Will need to be really careful with money for the rest of the month I think. Nothing planned for this weekend. Got a meal out with the girls this week so need to suggest somewhere cheap that does gluten free/dairy free options. Not a clue about this so will need to do some research tomorrow. Then the wedding is next weekend and also Mother's Day.

    I've got a day off tomorrow so planning to meet my gran for a coffee, go to the supermarket and then watch the rugby.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • Rugby sounds good i am stuck at work i am devastated i aint being able to watch the games today it will be catch up at silly am for me on sunday morning.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi Scott, hope you've enjoyed catching up on the rugby today. I watched the 1st two but then got distracted by other stuff so will watch England-Ireland tonight. Currently avoiding all papers, TV and radio as I don't want to know the score before I watch it.

    Spends for yesterday are £4.60 on coffee with my gran and £18.57 in the supermarket. Today will be a NSD :)

    2nd job phoned yesterday so I got another shift for today :). I've just finished it and my feet are killing. Really need to get new work trainers, think I will save and get decent ones instead of the usual £10 ones I get.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • miss t, you have to have the right equipment to do a job properly. don't neglect your feet!
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
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