misstara's debt diary 2014

misstara

monz wrote: »

Ahh you are coming to Glasgow ! Where i live

Sure am meeting my sister and other bridesmaid there and we're going shopping to find bridesmaid dresses. Hopefully we'll manage to find something over that weekend, however, me and the other bridesmaid are different heights, sizes and colourings so we might have issues finding a dress that suits us both.

Payday today so I've bought the travel tickets, paid the tv licence and made my payments to the loan and emergency fund. Remembered this morning as I was getting ready for work that my deodorant ran out yesterday so had to do a quick stop into the shop on the way to work - £1.25 spent.

Hope everyone has a good day - I'm counting down the hours until 4pm, day off tomorrow

misstara

Enjoyed my day off - didn't get up until 10, went to the gym and supermarket (£18.11 spent) and then spent the rest of the day lounging on the sofa watching DVDs and knitting. Bliss

I got my payslip through from monthly job so feel more relaxed now I know how much I'll get paid, currently working on a budget.

misstara

So budget for monthly pay - £1430.73
- £1200 direct debits
- £40 electricity bill
- £40 emergency fund
- £50 dentist
- £50 me (to cover a haircut, makeup, clothes, toiletries, etc)
- £25.73 loan
- £15 BT cc
- £10 present fund

misstara

The last 2 days have been NSDs but there's very little milk left and I've just used up the last of the butter for breakfast so will definitely need to go to the shop today.

I'm at training today so I thought great I can have a lie in until 7.30 but still woke up at 6, however, have had a very leisurely morning and I've still got ages until I need to leave the flat. I've said I'll go into work after the training for a few hours as they are short-staffed - extra pennies for payday

Looking forward to payday on Thursday and making a few more payments to the debt

monz

Hurry up Thursday xx

misstara

Not posted for a few days, just feeling completely unmotivated and 'meh' about anything related to debt, even payday yesterday and making more payments couldn't cheer me up, however, just got to get on with it.

Payday from 2nd job today - £108.96
- £30 food
- £30 social (got a girls night out mid Nov)
- £30 dentist
- £18.96 loan

Electricity bill came through, £149.16 - I've got £170 put aside for it so need to pay that tomorrow and then we're going to use the leftover money to see the new Bond film on Sunday.

I finally took the computer into a shop to get it fixed - £50 to send it away to get looked at, no idea how much it will cost to fix. I took the £50 out of the DDs account just now - hopefully will know how much it will cost in the next week or two.

Completely lost track of how much I've been spending or my NSDs, still under budget for the month though. New month on Sunday so will start afresh then.

Away to watch the rugby with a g&t

ani*fan

Hi misstara

I can sympathise with the 'meh' feeling, I'm a bit like that myself with all this debt at the moment. I'm trying to console myself with the fact that it will all be gone one day (October 2017 to be exact!) and things will look much better then.

Chin up hun, you're doing great.

AF x

misstara

Thanks ani, I feel a lot more positive and motivated today. The debt should be gone by christmas next year which is not too long away really

Spendy day today - paid the electricity bill (£149.16), food shopping (£29.29), vitamins (£3.25), presents (£7.98) and clothes/toiletries (£23.55). I went a wander round the charity shops and got 6 tops plus did a toiletries stock up in home b@rgains for the £23.55, still got £26.45 left in the 'me' fund which is more than enough for a cheap haircut and some new makeup

OH has a migraine so we're going to give the cinema a miss tonight and go during the week instead. I started going through my wardrobe last week to clear out some clothes as I've lost weight since going gf so think I will do a little bit more tonight.

misstara

I've now got 20 items in a bag to go to the charity shop, however, still got quite a bit to go through so will wait until I've finished before I take them.

Rent and christmas savings have gone out today, I can now properly access the christmas savings so plan to have a shopping day fairly soon.

Heading up for an early shift at 2nd job followed by a late shift at my usual job. I've got lunch and snacks with me so it should be a NSD.

misstara

Oops didn't get round to posting yesterday, been very tired the past few nights and just flopped on the sofa after work. Seem to have a bit more energy today though - actually went to the gym after work

Monday didn't end up being a NSD as I managed to lock OH in the house so had to spend £16.90 on a taxi :mad: used some of the money that I'd put aside for going out later this month. Today and yesterday have been NSDs.

The £5 reward went into my account today and I have donated it to a cancer charity.