misstara's debt diary 2014

misstara

I paid the electricity bill today and made a £3.26 payment to cc1. I also tried to pay for the accommodation for the wedding but by the time I remembered the booking office was closed so I will do that tomorrow.

The direct debits for my gym membership and phone bill went out today so that's the last for the month.

Other spends for today were £4.79 on some toiletries and £2.54 on bread and milk. I went slightly over my budget on Friday and spent £28.59 in A*di so the fridge and cupboards are well stocked at the moment. Hopefully I won't need to go another big shop for a while.

I have made a budget for my monthly wage - £1061.61
- £910 for rent, council tax and loan
- £51.61 to cc1
- £25 to cc2
- £25 for christmas savings
- £10 for Lovefilm direct debit
Leaving me around £40 it really doesn't go far, I actually don't know what I would do without my 2nd job. OH's pay only goes as far as his debts, phone bill and a wee bit of 'pocket money'. It sometimes really frustrates me that he is unable to contribute to the rent and household bills, however, he paid the rent while I was studying so I guess it all evens out

misstara

Payday today I paid £51.62 to cc1 and £25 to cc2. The balance of cc1 is now £1005.33, I'll make another payment tomorrow when I get paid from my 2nd job which will take it to under £1000 :j My debt free date has moved forward a couple of months to December 2016 which I'm really pleased about.

I will get paid £78.37 tomorrow from 2nd job so will make a £8.37 payment to cc1. I will also put away £30 to wedding fund and electricity fund.

I think I'm going to have to buy a new dongle for the mobile broadband as I dropped the laptop a few weeks ago and the dongle bent at the end. It is kinda working but is very erratic so I will go and see how much a new one is tomorrow.

My pay rise for 2nd job is 40p an hour so not too bad at all

misstara

I made the £8.37 payment to cc1 this morning taking the balance to £996.96 - I can't remember the last time I had a cc balance under 4 figures . My next mini target for cc1 is to get under £750 by the end of August.

This figure should hopefully be achievable without pushing myself too much as any extra money I have over the next few months will be going into the wedding fund. I need to book the accommodation for the wedding today as I still haven't done this.

misstara

Yesterday turned out to be a very spendy day but all needed.
- £128 council tax
- £144 wedding accommodation
- £24.99 new dongle
- £3.71 eggs and veg from local market
- £9.54 milk, sugar and breakfast biscuits (did a stock up on the biscuits as they were on special offer)
- £6 TV licence

misstara

Me and OH went down to A*di this morning and spent £17.30. We then went to A*da to get razor blades for OH and a baguette for lunch. While there, I treated myself to a denim skirt (have needed a new one for ages and it was only £10) so £15.70 spent. Overall a bit more than I was planning to spend

I'm away to go to the gym, I have a class booked at 12 and then after lunch I think we are going to go to the beach as it is a beautiful day here

misstara

Had a lovely walk along the beach, £3.50 spent on icecreams. I also made a £3.19 payment to cc1.

misstara

Nothing much to report today, went to the cinema with OH and spent £9.50 (finally used up the tesco voucher). I then made a 50p payment to cc1.

misstara

The rent and christmas savings direct debits went out yesterday and it was also a NSD. Today so far I have spent £21.50 on a present and card for my friend's birthday. I'm also going out for dinner/drinks with her and the girls tonight so have budgeted another £20 for that.

My gran's birthday is also this week, I have budgeted £10 for a card and present for her and I'm taking her out for lunch on Friday.

My £5 reward from the bank went into my account today and I have transferred it into the wedding fund.

misstara

I spent £16 last night on dinner and drinks with the girls so really pleased that I stayed under budget. The bonus of being on a budget is that I didn't drink much so am hangover free today

Spends for today are £6.36 on stamps, £4 on a cheap bottle of wine (coq au vin for tea tonight) and £4.70 on some cleaning products. Will need milk tomorrow and bus fare to the hospital as OH has another appointment. I'm hoping its a nice day and then we can walk home afterwards which will save a few pounds.

misstara

It is a horrible day here so me and OH got the bus to and from the hospital - £7 spent on bus fare. I also spent £1 on milk.

I got my payslip from 2nd job and will get £67.40 tomorrow.
- £7.40 payment to cc1 (was impatient so have made the payment already )
- £15 for lunch with my gran tomorrow (still need to get her birthday present)
- £15 for tea out with my friend tomorrow night
Leaving £30 for food/bus fare.

I have decided to try and up my income from my 2nd job and aim to make at least £100 a week. I have picked up 4 short shifts this week and have 4 planned for next week too. I know it's not a long term solution but it will be do for the time being. I just have to be careful not to tire myself out.

OH was telling me last night that one of his debts is now paid off so the £20 a month that he usually pays towards it, he will give to me to put into the wedding fund.