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misstara's debt diary 2014

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  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    monz wrote: »
    Miss Tara where are you :) x

    Still here monz, just chavin' awa' as they say up here ;)

    Ended the month on a good note by having a NSD and going to the gym. Just away to update my signature with Julys mini targets.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Love your targets!!!:)

    I am thinking my July wages I can pay off an extra £200 to my loan and be back in the game so to speak haha :)

    Also pay money back into Xmas fund get that back up xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    monz wrote: »
    Love your targets!!!:)

    I am thinking my July wages I can pay off an extra £200 to my loan and be back in the game so to speak haha :)

    Also pay money back into Xmas fund get that back up xx

    Sounds like you've got some fab targets too monz.

    Very quick post tonight as I was on a split shift today so up early and finished late. Start again at 8.30am tomorrow so must get some sleep. I went to the supermarket today and spent £16.52 on milk, binbags and stocking up on gf foods for the rest of the month. I also ordered a t-shirt for OH as an anniversary present using some of the Am*zon vouchers - £16. It's not our anniversary until next month but trying to be organised. Payslip is through from 2nd job so will get £109.69 on Friday, will do a budget tomorrow.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Looking forward to your budget:) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    monz wrote: »
    Looking forward to your budget:) x

    Haha here goes - £109.69
    - £30 food
    - £50 wedding (for present, travel and drinks)
    - £10 bus fare (2nd job shifts are quite far out of town again)
    - £10 electricity bill
    - £5 emergency fund
    - £4.69 cc2

    Today has been a NSD other than finally getting round to paying the council tax and also the tv licence. I went to the gym after work which was great because it has air conditioning so it was the coolest I'd been all day :). My £5 reward went into the bank so I paid it to cc2.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Hows your gym busting going x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 3 July 2015 at 10:59PM
    monz wrote: »
    Hows your gym busting going x

    So so - last month was pretty awful but going to try harder this month. Will be going once a week with a friend so I just need to fit in two more gym sessions a week.

    Today has been a NSD, just been at work all day. OH seems to have picked up a bug - he's been sick a lot this evening. Looks like I might be going solo to the wedding tomorrow :(
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    OH didn't make the wedding so I went by myself. I had a lovely time but went completely over budget and spent £80 :o around £25 was on the card and present, around £25 on taxis there and back (I was originally planning to get the bus there and taxi back but it was torrential rain when I was heading off and I didn't want to arrive looking like a drowned rat) and the rest on alcohol (£6.60 for a gin and tonic :eek:).

    We've off to Aldee today to get the shopping and hopefully a walk later down the beach as it looks pretty nice today.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    I went to the gym this afternoon and then down to Aldee where I spent £28.01. Didn't end up going for a walk as OH is still not feeling great. I have made a £4.65 payment to cc2. Since its been a super spendy weekend, I need to try and get some NSDs this week.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    I've just finished a short shift for 2nd job and am now walking home in the sunshine :) I picked up 3 shifts with 2nd job this week, they're all short (between 3 and 4 hours) but I should get around £70 next Friday so that's not too bad.

    I'm going to try and not spend any money this week until the weekend (other than bus fare). If I could get 5 NSDs this week, it would really help make up for my spendy weekend. It should be doable as I bought heaps of food yesterday.

    OH is still getting very few shifts so is putting all his efforts into finding a full-time job. He has applied for so many but as yet no interviews :( hopefully he'll get something soon but in the meantime we'll muddle through as always.

    We're hoping that the weather will stay nice into the weekend as the plan is to dig out the tent and go camping. Keeping my fingers crossed.

    Think that's it for now, I'll get a couple of hours at home and then up to my work for 3.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
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