misstara's debt diary 2014

misstara

StrugglingYouth wrote: »

Well that certainly makes more sense! I didnt mean to suggest you overlooked something.

You're still doing a marvellous job keeping all the plates spinning!

Thanks Struggling Youth - not at all, all comments/suggestions gratefully received

Monthly payday yesterday so paid the credit cards taking me to under £7500 (October target achieved :j) and 28.5% paid. My november target is to get to under £7250. I'm also going to set myself a target of going to the gym 12 times in november and also £120 groceries target (will continue to budget meals out separately). I will add both of these to my signature to help motivate me.

I paid the car club yesterday (£59.44) but noticed this evening that they have taken the payment twice :mad: unfortunately I can't do anything about it over the weekend but will phone them first thing on monday morning.

Today I went food shopping and spent £22.57 in A*di. I also spent £12.48 on a few wee things for christmas. I'm planning to do some more christmas shopping over the weekend as I have a couple of money off vouchers which expire on sunday.

I also got paid from 2nd job today - £115.63
- £5.63 payment to cc1
- £30 food
- £5 clothing
- £5 holiday
- £5 flat deposit
- £35 presents
- £5 bus fare
Leaving £20 for anything else that comes up. Still waiting for OH to give me money but when he does, I'll put it towards the electricity bill.

Menu plan for this week
Tomorrow - lamb chops, mash and veg
Sunday - sausage rolls and spaghetti hoops
Monday - veg curry and rice
Tuesday - planning to go out for tea with OH
Wednesday, Thursday and Friday I'm working late shift so will get fed at work.

Hope everyone is having a good Halloween x

misstara

Forgot to say in previous post, I spent £6.25 on going out for a coffee with OH.

misstara

Been to the gym this morning - starting the month as I mean to go on

misstara

Spends for today are £3 on food, £27.99 on christmas presents and £5.99 on craft things.

misstara

Today has been a NSD, tomorrow won't be as I've just arranged to meet a couple of friends for lunch - will budget £10 for this.

misstara

I phoned the credit union and have transferred £150 of my christmas savings - should clear in my account tomorrow

I have also phoned the car club regarding them taking my payment twice, just waiting for them to phone back.

I have booked bus tickets for going to edinburgh at the end of the month - £26.50 and have moved the other £3.50 from my £30 budget to the holiday fund.

The cheque from the mystery shopping has cleared :T so I made a £7.15 payment to cc1. The rest I'm going to split between a meal out with OH and buying a new pair of jeans.

The electricity bill has come through so is £137.49. I have currently got £95 sitting in the electricity fund so as soon as OH gives me money I will pay this.

misstara

Only spent £3.89 on lunch as we got sandwiches and went round to one of the girls flats. Had a lovely afternoon and it was great to catch up.

Me and OH decided to go out for tea tonight as he is now working tomorrow night so spent £24.70. Was lovely to spend some quality time together.

The car club phoned back so the money will be refunded. The direct debit has now been set up so hopefully will go out fine next month.

The christmas savings money cleared in my account this evening so have transferred it to the present fund.

misstara

Woke up at 3am and have been unable to get back to sleep thankfully I'm off work today so will be able to have a snooze later on if I get tired.

Reward from bank account has been paid so I have made a £5.41 payment to cc1. I'm on track to get cc1 under £350 by the end of the year and then aiming to clear it by the end of February using the extra money from the two council tax free months. Then I will be able to put around £125 a month into cc2. That's the plan anyway

misstara

I got my jeans today - £28. Once I've got some more money in the clothing fund, I think I'll buy another pair. I pretty much live in jeans or leggings for work so would make sense to have a few pairs of jeans.

I also paid the council tax and spent £2.68 on a couple of things to go with tea. I've been to the gym today as well

giblet1979

Hey misst! How are you?

I'm really far behind having gone AWOL (sorry) so am trying to catch up.

Sounds like you're still as focused as ever. It's really impressive. I've missed reading how precise you are with your figures. I definitely need to try and emulate you more!

Where did you go for a meal out? Sounds like it was very reasonable!

Hope today has been good and sending hugs x