misstara's debt diary 2014

monz

Well done on surveys how long did it take with GTM x

misstara

monz wrote: »

Well done on surveys how long did it take with GTM x

Thanks monz, it took about 9 months, however, I was quite lax with surveys last year. I've already got 120 points since cashing out two days ago so hoping it won't take me as long this time.

misstara

Yesterday the loan and contact lens direct debits went out. The interest for the loan was added on today so I will update my signature in a few days once cc1 interest has been added on.

I went to the bank and cashed in the coppers - got £6 (29p went back into the jar for next time). I spent £3 on some washing tabs and now have £4.30 left in my purse to do until Friday. I also went to the gym yesterday. Today has been a NSD

:mad::mad: at 2nd job today - they cancelled two of my shifts for later on this week which means I'm around £75 down. Hopefully I will be able to pick up something else.

AleMrsT

I never think to cash in the change in the coppers tub, I must do that! Will sort it tomorrow and pay it into savings towards this year's car insurance.
Boo to second job cancelling shifts, hopefully you'll pick some more up next week to cancel it out.
Well done on the NSD! :T

misstara

2nd job haven't phoned me today with more shifts but I will phone them tomorrow and see if I can pick up something over the weekend.

I spent £2.98 on milk and fruit today. We're running pretty low on food now but almost payday I've started on a meal plan and shopping list for next week.

I got my payslip through today so will get £180.77 on Friday
- £11 TV licence
- £15 present for my mum
- £48.57 car club
- £30 food
- £15 shampoo/conditioner
- £25 electricity bill
- £5 savings (for 52 week savings, £2 from last week, £3 for this week)
- £20 holiday fund (will buy tickets to visit OHs friend who just had a baby/change to fund for when we're there)
- £11.20 cc1

I've written all my thank you notes and posted them away so that's something I can score off my January to do list

misstara

The mobile broadband direct debit has gone out today but other than that it has been a NSD. I went to the gym this morning so have updated my signature with those. Looking forward to getting my statement from cc1 in the next couple of days so I can update my signature with debt repayments.

Phoned 2nd job today and I have picked up a night shift tomorrow night. I haven't done a night shift for over 2 years so have a feeling that it will be hard going but its 12 hours pay so that more than makes up for my cancelled shifts.

I read a thread last night that was about making do and mending which motivated me to dig out the sewing machine and mend two cardigans, a pair of trousers and a jacket.

misstara

Payday today :j Feel like I've spent the last couple of weeks just waiting for today. I've transferred money to my sister to pay for my share of my mum's present, paid the TV licence and made the payment to cc1.

I got up early today so that I can hopefully have a nap later on before my nightshift. The place I'm working is quite far away from my flat so I will have to get the bus. I hadn't budgeted for bus fare so will use some of the electricity money and replace it next week.

I'm planning to go to food shopping this morning and to get my shampoo. I also said I would pop over see my gran around lunchtime.

monz

Awww payday I miss that day its been so long :P x

Are you seeing any changes from gym?x

misstara

monz wrote: »

Awww payday I miss that day its been so long :P x

Are you seeing any changes from gym?x

I keep meaning to weigh myself on the fancy machine at the gym which tells you your body fat % and BMI but keep forgetting. I generally feel fitter and think I've lost some weight. I will weigh myself tomorrow and report back. Then I'll weigh myself at the gym on Monday (if I mind).

misstara

On a break during my nightshift and its going ok so far. I managed a couple of hours sleep this afternoon so not feeling too tired, however I usually find the worst time is between 3 and 5 so still got that to battle through.

Spends for today are £25.57 on food, £15.30 on shampoo and conditioner and £3.80 on a bus ticket. I haven't bought tickets for our trip to see OHs friend as I need to discuss dates for going with him.

The cc1 interest was added on so I have updated my signature - now under £7000 and over a third paid off :j:j. Feeling very pleased about it, just need to keep up the good work in 2015! I have also updated my January total debt mini target as I had completely over estimated how much interest I would have to pay on the new loan so the new mini target is £6775.