misstara's debt diary 2014

misstara

Spent £13.23 today at supermarket, got all the bits that I didn't get yesterday and also got a big box of my fave washing tabs which were on special offer.

Also spent £5 on raffle tickets at work. I got £12.99 paid into PayPal today from a survey site so have requested to withdraw it. That covers most of my unbudgeted spends from today and yesterday

AleMrsT

Keep going MissT, I love seeing your daily posts. I've been wondering (because I'm nosy!) Is all of your debt in one place and how do you decide which of the debts your payment has gone to? I cant remember whether both of your debts are on the same credit card? Well done on all of the over time shifts, they'll help massively with May's payslip.

misstara

AleMrsT wrote: »

Keep going MissT, I love seeing your daily posts. I've been wondering (because I'm nosy!) Is all of your debt in one place and how do you decide which of the debts your payment has gone to? I cant remember whether both of your debts are on the same credit card? Well done on all of the over time shifts, they'll help massively with May's payslip.

Hi AleMrsT. The debts are on different cards and at the moment I'm focusing on the one with the original debt as it has the much lower balance and also the 0% deal runs out first on it. Yep pay at the end of May should be good, added another hours overtime today

NSD today . Got my payslip for 2nd job and will get £51.77 on Friday (maybe tomorrow, it may go in early due to Friday being Good Friday). So £1.77 payment to the debt, £20 back to the food budget and £30 social budget for the rest of the month.

Was supposed to be on a late shift tomorrow but have swapped to an early so better get myself off to bed.

AleMrsT

Ah that makes perfect sense, you're very sensible and disciplined so was just wondering how you worked it all oiy. My DMP is all one payment but step change send fixed amounts to each creditor, one of them is only around 700 now so if I was managing it myself I'd do what you're doing and focus on the smaller one to get it paid off.

Well done on the extra overtime too! I've had two days off as I felt awful yesterday and it's my usual day off tomorrow, at least it's a short day on Friday then a long weekend.

monz

You are doing so well Miss Tara x

misstara

AleMrsT wrote: »

Ah that makes perfect sense, you're very sensible and disciplined so was just wondering how you worked it all oiy. My DMP is all one payment but step change send fixed amounts to each creditor, one of them is only around 700 now so if I was managing it myself I'd do what you're doing and focus on the smaller one to get it paid off.

Well done on the extra overtime too! I've had two days off as I felt awful yesterday and it's my usual day off tomorrow, at least it's a short day on Friday then a long weekend.

I was hoping to get the smallest one paid off by my birthday but that's less than a month away so don't think I'll quite make it. However, should hopefully manage to get it paid off by the end of May with all this overtime!

Sorry to hear you haven't been feeling great, hope you're better now. Enjoy your long weekend

misstara

monz wrote: »

You are doing so well Miss Tara x

Thanks monz.

Well I got paid today and have made a £4.76 payment to the debt . Less than £250 of the original debt left to go :j

Another NSD today . I've picked up a shift with 2nd job on Saturday, OH is worried that I'm going to burn myself out but didn't feel like I could turn down £75ish. I've got a day off on Sunday so plan to have an extremely lazy day then.

in_need_of_direction

You're an inspiration. Well done.

misstara

in_need_of_direction wrote: »

You're an inspiration. Well done.

Thanks INOD

Not long home from an unexpected double shift, however, at least it's double time today . May's wage just gets better and better . Absolutely shattered though.

Quickly popped into supermarket on the way home to grab some things to take with me for lunch tomorrow at 2nd job - £2.81 spent.

misstara

Did my shift for 2nd job on Saturday, the extra money will go on plants and seeds for the garden and booking travel tickets to see my parents next month. On the way home I popped to the supermarket and got stuff for lunches this week and baking things - £19.38 spent.

Yesterday I went for a 10k run in preparation for the weekend, was hard going but I made it . I then pottered around the flat doing some cleaning and baking while OH and a friend did some gardening. Met the girls for a late lunch - £20 spent and then watched some catch up TV before getting an early night. A very nice day off

Back to work today but it's double time again so not complaining!