We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
misstara's debt diary 2014
Comments
-
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 1.2.26 - £104,364.81
Mortgage overpayments so far - £902.92
Debt 16.11.25 - £5160 29.1.26 - £4860 (5.8% paid)
Roof savings - £566.53/£3660 (15.5% saved)0 -
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 1.2.26 - £104,364.81
Mortgage overpayments so far - £902.92
Debt 16.11.25 - £5160 29.1.26 - £4860 (5.8% paid)
Roof savings - £566.53/£3660 (15.5% saved)0 -
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 1.2.26 - £104,364.81
Mortgage overpayments so far - £902.92
Debt 16.11.25 - £5160 29.1.26 - £4860 (5.8% paid)
Roof savings - £566.53/£3660 (15.5% saved)0 -
Happy relaxing
x Debt remaining:
Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
0 -
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 1.2.26 - £104,364.81
Mortgage overpayments so far - £902.92
Debt 16.11.25 - £5160 29.1.26 - £4860 (5.8% paid)
Roof savings - £566.53/£3660 (15.5% saved)0 -
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:
0 -
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 1.2.26 - £104,364.81
Mortgage overpayments so far - £902.92
Debt 16.11.25 - £5160 29.1.26 - £4860 (5.8% paid)
Roof savings - £566.53/£3660 (15.5% saved)0 -
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 1.2.26 - £104,364.81
Mortgage overpayments so far - £902.92
Debt 16.11.25 - £5160 29.1.26 - £4860 (5.8% paid)
Roof savings - £566.53/£3660 (15.5% saved)0 -
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 xDebt remaining:
Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
0 -
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 1.2.26 - £104,364.81
Mortgage overpayments so far - £902.92
Debt 16.11.25 - £5160 29.1.26 - £4860 (5.8% paid)
Roof savings - £566.53/£3660 (15.5% saved)0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.6K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.7K Work, Benefits & Business
- 603K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards