misstara's debt diary 2014

misstara

A NSD to report today

monz

Well done ! Your cards are lovely. I have a rule about cards. I never send Christmas ones... not out badness or being cheap... I just always forget someone and feel bad lol x

misstara

monz wrote: »

Well done ! Your cards are lovely. I have a rule about cards. I never send Christmas ones... not out badness or being cheap... I just always forget someone and feel bad lol x

Thanks monz. That makes sense - I've already thought of someone who I forgot to add to my list.

Spends for today are £1.85 on some fruit and will need £3.50 for bus fare for work. Don't think I have said before but my washing machine has packed in. My landlord has ordered a new one but it won't be delivered until the end of next week so I'm going to take a load of washing up to work.

misstara

Got my payslip from 2nd job so will get £103.04
- £15.99 broadband
- £20 drinks with my friend
- £30 food
- £5 flat
- £5 holiday
- £5 clothes
- £5 presents
- £10 bus fare
- £7.04 cc1

Any money that OH gives me I will put towards the electricity bill. My sisters birthday is at the end of october so will need to put away some more money in the present fund.

I'm meeting my friend for drinks on monday night, really looking forward to this as I haven't seen her for months! Hoping to spend less than £20 but thought I would budget high.

I've set £30 as the food budget but hoping to spend less. There is no meat left inte freezer but have decided to do a few veggie meals this week to keep the costs down.

Meal plan for next week
Sat - chicken kievs, pots and veg
Mon - egg fried rice
Tues - sausages, mash and veg
Thurs - veg noodles
Sun, Wed and Fri I'm working late so will eat at work.

monz

Need to take a note our your book with meal plans x

misstara

Well meal planning went well during the week monz but whether it will work as well now I'm back at work is another story! Just a case of being organised I suppose.

misstara

Haven't posted for a couple of days.

Friday
I got paid and transferred money to my various accounts. I also decided to set up another savings account which I'm going to put money into for direct debits. At the moment the money for the loan sits in my account from the end of one month to the 12th of the next and there's less temptation to dip into it if I move it to a different account and then back the day before it is needed. I'm also hoping to put in extra and maybe get a bit of an emergency fund going.

I booked a check up at the dentist for next Friday so am now hoping that I don't have to get any work done. Fingers crossed because I can't really afford it at the moment. Hmm maybe I should open another account for saving for the dentist!

OH didn't give me any money this week he confessed that he was behind on his loan repayments :mad: Annoyed because I'm doing as much as I can to get out of debt and he hasn't been keeping up his repayments :mad: So I've told him not to give me any money and just put it towards his debts. He has worked more hours this week so hopefully will get some money next week to put towards the electricity bill.

Spends were £4.30 on bus fare and £26.98 on food.

Saturday
A NSD to report

Today
Spent £3.50 on bus fare, I'm on a split shift today so currently having a few hours at home before heading back up to work. I also spent £1.50 on some pickle as I really fancied a cheese and pickle sandwich for lunch. Still under budget for food this week but need to be careful not to buy much more.

Hope everyone is having a lovely Sunday

misstara

Loan repayment has gone out this morning, as usual I'll wait until the interest has been added on for the month before updating my signature. I have also made a £1.41 payment to cc1.

in_need_of_direction

You must be close to your mini targets. Well done

misstara

in_need_of_direction wrote: »

You must be close to your mini targets. Well done

Thanks INOD, I'm getting there

Spends for today so far are £2.20 on bus fare (was running late for work this morning) and 60p on breakfast biscuits. I'm just away to get ready to meet my friend for drinks so will have more spends to report later.