misstara's debt diary 2014

misstara

It's been a NSD today Feeling really stressed out and anxious tonight although not entirely sure why so am going to have a hot chocolate and an early night. Hopefully will wake up tomorrow feeling more like my usual self.

in_need_of_direction

Fingers crossed a good night's sleep will make all the difference.

misstara

in_need_of_direction wrote: »

Fingers crossed a good night's sleep will make all the difference.

Thanks INOD, it has. Have definitely woken up feeling a lot better. I start at 7am today but then am finished at 10am and have the rest of the day off

misstara

Payslip through from 2nd job so will get £126.17 on Friday
- £30 food
- £20 electricity bill
- £10 bus fare
- £10 sponsorship for my friend
- £30 paying back the direct debit account (to cover my overspend at the weekend)
- £10 emergency fund
- £16.17 cc2

Today has been a NSD and I'm meeting my friend at the gym later.

misstara

Payday yesterday so have made all my payments. I should hit 50% paid off this month I've managed to pick up a wee 3 hour shift this morning so that will boost my pay up next Friday by another £20 or so.

misstara

We went camping yesterday, drove 40ish miles to a nature reserve and camped beside a loch. Beautiful scenery and some lovely walks . OH paid for the camping supplies so yesterday was a NSD. I just need to mind to budget a bit extra next month to pay for the car.

Since we had the car anyway, I went to the supermarket and got all the stuff we were needing plus some bulky/heavy things that we'll need later on in the month. I went a bit over budget and spent £32.91 but I'll adjust the shopping budget for the next few weeks so I'll hopefully still be able to stick to the monthly budget.

I made bread today and it turned out pretty well. I've sliced it up and frozen it for during the week. I'm going to try and make bread every week/fortnight as its so much cheaper than buying it.

We had roast chicken for tea tonight so the leftovers will feature in the meal plan this week. Chicken sandwich made with the hm bread tomorrow for lunch, yum

Went to the gym today so 4/12 and my NSD yesterday takes me 7/20 so doing pretty well with those targets at the moment - just need to keep up the motivation for the rest of the month!

misstara

A NSD today so 8/20. I was planning to go to the gym but I must have seriously overdone it yesterday as I'm very achy today. I will definitely be going tomorrow though as I'm going to a kettlebells class with my friend.

Loan repayment has gone out today taking me to 49.9% paid - so close

StressedSteph

Wow MissT you are doing so well with the debt busting.


49.9% :T. Half way there :beer:

misstara

StressedSteph wrote: »

Wow MissT you are doing so well with the debt busting.


49.9% :T. Half way there :beer:

Thanks Steph - I'm so excited to have got rid of half the debt. Am aiming to be debt free by next Christmas which isn't too far away really.

Yesterday was almost a NSD except I had to buy milk and cheese to make cheese sauce for tea so £3.80 spent. Am aiming for NSDs today and tomorrow.

I went to the kettlebells class with my friend last night and really enjoyed it. It was hard work and I am definitely feeling it today. I've booked to do the class again next week. Unfortunately my friend is working so she can't go but we've arranged another day.

On a split shift today so I've got a short morning shift and then a longer late shift, however all extra pennies and not much opportunity to spend anything

misstara

Achieved my NSD today am absolutely shattered though from work - so looking forward to a day off tomorrow.