misstara's debt diary 2014

misstara

Yesterday I paid the TV licence which was £6 so made a £9.11 payment to cc1. I also transferred £45 to the wedding/electricity fund. No other spends to report yesterday.

Today me and OH went to A*di and spent £25.63. We got a lot of food so hoping not to buy anything else for the week apart from milk, bread etc.

I got my payslip through from my monthly job, it's more than usual as I did some overtime last month and also worked the bank holiday. Will do a budget tomorrow and decide what to do with the extra money.

misstara

I'm still working on a budget for my monthly wage but I'm definitely going to treat myself and get my eyebrows done. I saw a place on the way home from work the other day advertising eyebrow threading for £6 so think I'll try there.

I will also put some money aside for later on in the month as the week that I'm away home to see my parents I won't earn any money from my 2nd job - trying to be organised and think ahead I'll also put some extra into the wedding/electricity fund.

Today I've spent £19.99 on trainers for work and I'll need a return bus ticket (£3.50) for work later as it has started raining and it seems worth an extra £1.30 not to get soaked on the way there.

Annoyed at myself though as I said ages ago that I would work an extra shift this week at 1st job but then totally forgot about it until my boss reminded me yesterday. As I've already picked up shifts for 2nd job, it now means I don't have a day off until next Wednesday Ah well it's an extra £60 next pay day.

misstara

Only spend yesterday was £8.10 on bus tickets for me and OH to get to and from the hospital for his appointment. Today I'll need to get some bread and will need bus fare home from work tonight.

The direct debits for my phone bill and gym membership have gone out this morning so that's the last for the month. I then transferred £5 to the wedding/electricity fund and £1.83 to cc1.

Finally got my budget organised for monthly wage - £1175.38
- £910 rent, loan and council tax
- £25 christmas savings
- £10 Lovefilm
- £55.38 cc1 payment
- £25 cc2 payment
- £20 eyebrows/new joggers for the gym
- £20 food
- £50 wedding/electricity fund
- £60 aside for week holiday

I will also get paid from 2nd job on Friday, will probably get my payslip tomorrow. I think it will be around £95 so I'll put more money aside for the holiday week and put more into the wedding/electricity fund too.

OH has now paid off one of his debts so he said he will give me the £20 each month to put into the wedding/electricity fund.

misstara

Spends for Tuesday were 70p on bread and £2.50 on bus fare home. Yesterday £1 on milk and £2.20 on bus fare home. Today I think it will just be bus fare home.

I got my payslip in for 2nd job so it will be £100.22 (£5 more than I thought )
- £35 wedding present
- £5.22 cc1 payment
- £10 replacement toothbrush heads
- £10 wedding/electricity fund
- £40 aside for week holiday

I think my phone is on its way out, it's really slow and sometimes just won't work at all. However, hoping that it hangs on until after the wedding as all my spare money is going into that fund at the moment.

The plan for today is to go to the gym, clean the bathroom and catch up on the ironing before heading up to work later.

misstara

Payday today :j I have made my payments to the credit cards and my debt is now under £8500 and 19% paid :T I updated my signature with the next mini target which is to get under £8250 by the end of July.

I have also paid for the wedding present, ordered toothbrush heads and transferred money into the wedding/electricity fund. There is currently £170 in the fund which will cover the electricity bill but not much else so need to really focus on this.

Yesterday I did all the jobs on my list before going to work and it was a NSD other than bus fare home from work. I'll need bus fare for work again today (and then my run of late shifts is finished ) and we're going to the supermarket. I'll try and go to the gym again as well although not feeling like moving from the sofa just now.

misstara

Well the gym and supermarket shop didn't happen but planning to go tomorrow instead. I went and got my eyebrows done (£6) and bought joggers for the gym (2 pairs for £13)

misstara

Me and OH went to A*di yesterday and spent £30.51 I had only budgeted £20 so have totally gone over. However, I have been thinking I often only budget £20 a week for food and its probably quite optimistic for 2 adults so in future I will make sure I budget £30 and see how I go.

We also went to upgrade OH's phone, I was trying to persuade him to get a sim only contract but he was determined for a new phone (admittedly his old phone is very slow and the screen has a huge crack in it). However, his new phone is £15 a month less with over double the data allowance and he gave me the headphones that came with it so happy faces all round

Today I have been to the gym and well that's it so far. I need to get a few toiletries which I hadn't budgeted for but I aim to spend under £10. I'm working a shift for 2nd job later and although I finish late, its close to the flat so I'll walk home saving me a few quid on bus fare.

misstara

I have been out and spent £7.39 on toiletries. I then made a £2.61 payment to cc1.

I forgot to say in my last post I spent £1 at the gym today on the fancy weight machine. I've put on a few pounds since I last weighed myself, currently 11 stone 6 and body fat has also gone up (30.6%). So with that in mind, I am planning to go to the gym Tues, Wed, Thurs and Sat this week. I've booked myself into some classes for motivation.

ani*fan

Misstara, well done on all your progress. You work so hard and are really an inspiration.

I loved hearing about your OH's new phone, better phone for less money, great!

misstara

ani*fan wrote: »

Misstara, well done on all your progress. You work so hard and are really an inspiration.

Thanks ani*fan, feel like I'm really getting somewhere. I've had half-hearted attempts in the past to reduce the debt but not really got anywhere so proud of myself for sticking to it

ani*fan wrote: »

I loved hearing about your OH's new phone, better phone for less money, great!

He's so happy with his new phone (like a kid with a new toy :rotfl:) and I'm happy he saved money! Win win.