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misstara's debt diary 2014

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  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks Gib, of course if I'd only been this focused years ago I wouldn't be in all the debt now!

    Council tax got paid yesterday and I spent £2.20 on getting the bus to work as it decided to start pouring when I left the flat to go to work. Today I spent £5 on cleaning products as I used a few up with my cleaning yesterday.
    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!
    Today is shaping up to be a NSD - we don't need anything and as long as the weather continues as it is I will be able to walk to work later on. Tomorrow I'll need to buy some bread and going out for tea with my friend (budget for this £15 but hopefully less).
    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!
    I achieved my NSD on Monday :). Didn't go to the gym but made up for it yesterday with an extra long session. Spends for yesterday are £1.85 on bread and milk. I then spent £17.10 on tea out with my friend so a little bit over budget there.

    I'm just heading for a shift for 2nd job - only a short one though. Plan for the rest of the day is to go to the gym, do some tidying up in the flat, ironing and then just relax :)
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • giblet1979
    giblet1979 Posts: 864 Forumite
    Eighth Anniversary Combo Breaker
    Happy relaxing :) x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    giblet1979 wrote: »
    Happy relaxing :) x

    Thanks Gib, all I've done since I got home is relax! Which is lovely but I didn't go to the gym, haven't done the ironing or tidied the flat. Oh well I don't start work until 3 tomorrow so I'll get things done in the morning.

    It would have been a NSD today except I somehow lost my house keys :mad: really annoyed at myself. So £16 spent on getting a new set cut :( The LOVEfilm payment also went today.

    Got my payslip from 2nd job so will get £70.19 on Friday
    - £20 for food
    - £10 for my half of a takeaway (our first for ages :))
    - £15.99 for mobile broadband
    - £10 to wedding fund
    Leaving £14.20 for anything else that comes up.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • giblet1979
    giblet1979 Posts: 864 Forumite
    Eighth Anniversary Combo Breaker
    Boo to the house keys...at least you'll have a spare set when they eventually turn up :) (fingers crossed) x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    giblet1979 wrote: »
    Boo to the house keys...at least you'll have a spare set when they eventually turn up :) (fingers crossed) x

    Well hopefully but I think I must have lost them on the way home from work yesterday :(

    I have had a busy morning - gym, tidying the flat, library and picking up prescriptions for OH. The ironing still hasn't been done but I'm off work tomorrow so I'll do it then.

    Spends for today are £2 on some face wipes (before the £5 off voucher expires) and £4.99 on a pill box for OH. I'll also spend £2.20 on the bus home later on.
    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!
    edited 8 August 2014 at 11:38PM
    I went to L*dl today and spent £16.52 then went to the local market and spent £4.50 so I'm already slightly over budget on food this week :( and I will still need to get more bread and milk later on in the week.

    I've been feeling really unmotivated and kinda flat today so while OH was at work, I spent most of the day lying on the sofa watching old disney films. Hopefully I will feel more like my usual self tomorrow and get everything done that I meant to do today.

    We decided to get chinese for our takeaway so £10 spent on that. Tried a new place on a recommendation from OH's friend and it was lovely. There's also plenty left for lunch tomorrow :)

    I put £10 to the wedding fund and made a whopping 22p payment to cc1.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • giblet1979
    giblet1979 Posts: 864 Forumite
    Eighth Anniversary Combo Breaker
    Hope you're feeling much better now MissT - you still focused and made that overpayment even on a cr*p day, so that deserves a :T

    Sending hugs x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks for the encouragement and hugs Gib, much appreciated :) I feel back to my usual self today so achieved lots in the flat this morning. The ironing is finally done :T. Today will also be almost a NSD, just my bus fare home from work tonight.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
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