misstara's debt diary 2014

misstara

ani*fan wrote: »

Ah, got it, I've pondered doing the same myself but was told to wait until my fillings needed replacing. White fillings look so much nicer. Worth every penny!!

I definitely think so and I know I'll be happier with the white ones. Its just annoying as the money could go to debt repayments instead but nevermind.

I phoned 2nd job this morning and picked up a short shift this evening so that will give me an extra £30ish next Friday - a third of my filling . Am hoping to pick up an extra shift next week too and then I would only need £40 from my monthly wage to pay for it.

A NSD today as I used my voucher to buy food. Hoping to get a few NSDs over the next couple of days.

misstara

Payday today and I was able to make a massive 80p payment to cc1. I had a NSD as well

Phoned 2nd job today and picked up an extra shift on monday morning, a slightly longer shift so will be £40ish - that's my filling almost paid for already.

misstara

Nothing to report from today except another NSD. Been at work all day so away for an early night.

misstara

Had some great news today - finally got round to opening the post that came yesterday to find a letter from the bank saying that my PPI claim had been upheld and I would be getting 1406.40 back :j:j:j Am very excited about this as it means I can pay off a chunk of my debt. The money should be with me within 28 days

Spends for today were 2.25 on bread and milk and 1.00 on a birthday card for my friend.

FinanciallyUnsavvy

:j :j fantastic news about the PPI claim! So happy for you! xx

misstara

FinanciallyUnsavvy wrote: »

:j :j fantastic news about the PPI claim! So happy for you! xx

Thanks Kim! Am very excited especially since the cheque arrived this morning, now just have to wait for it to clear

Nothing else to report today except another NSD.

misstara

Forgot to say in yesterdays post that the loan repayment and the mobile broadband went out. As usual I'll wait until the months interest is added on before I add the loan repayment to my signature.

Spends for today were 3.54 for sugar, margarine and teabags. Should be a NSD tomorrow hopefully. I'm assuming that I will get paid from my weekly job on Thursday as Friday is a bank holiday. It seems like this has been a long week as I have no money until I get paid/cheque clears.

Me and OH have been discussing what to spend the PPI money on and we have decided to spend some of the money on a weekend away somewhere next month. I actually can't remember the last time we went away for a weekend (well other than visiting family) so very excited about this.

We have also decided to put some money by for my brother's wedding later on in the year as it is down in England and I think the travel and accommodation costs will be quite a lot. The rest will go to paying off debt.

I seem to have hurt my ankle at gym class this evening - I landed awkwardly jumping off a box am just hoping it is better by tomorrow as I don't want to have to cancel my shift for 2nd job.

misstara

The interest was added on today for both cc1 and the loan so signature updated and I'm now at 7.9% With the money from the PPI I will meet my 12.5% target by my birthday so I'm really happy about that.

The Onepoll money finally cleared in paypal so I have put 30.00 back into the electricity fund and spent 6.99 on some pizza and salad for tea.

My foot seems fine today so did my shift for 2nd job. Me and OH then went for a wander round the art gallery as there was an exhibition that he wanted to see - it was quite good.

I got my payslip through for my 2nd job today, it seems I will get paid as usual on Friday. Will need to sit down and make a budget for the week ahead.

misstara

Ended up getting paid today despite being told it would be tomorrow but hey I'm not complaining.

Got £145.22 so put £30 by for my filling, £30 towards electricity bill and made a £15.22 payment to cc1. I will need £15 for my contact lens direct debit leaving me £55 for the rest of the week.

misstara

The cheque has cleared so I have made a payment of £507.77 to cc1. This brings my total debt down to £9112.13, 12.9% paid :j