misstara's debt diary 2014

misstara

A spendy day today - £26 on laptop repair, £3.90 on milk, fruit and tatties, £8.20 on a couple of wee christmas presents and £6.20 on drinks for me and OH after the fireworks.

misstara

Payday from 2nd job - £82.11
- £30 food
- £20 social (replacing the taxi money)
- £21 dentist (now up to £200, should hopefully be enough)
- £11.11 loan

Now paid off 60% of the debt :j:j

Forgot to put in my post yesterday - I paid the computer repair money from the DDs account so that account is now £76 down. My plan is to try and replace the money from earnings from 2nd job but if I can't manage I will cover it with money from the emergency fund. I'm not working so much at 2nd job due to being so busy at new job but hopefully I can replace at least some of the money.

ani*fan

I'm glad you got your laptop repaired relatively cheaply misstara, I realised that mine only overheats when I play a particular game on it so I've just stopped playing it on there and use the x box instead. Figured it was cheaper.

And yay to your amazing budgeting skills.

Rebecca01

Hi Misstara.

I have just spent the last couple of days reading your diary. You are doing so well.

I have smiled at your triumphs and felt a little sad when you are down; as you really don't deserve that. You work hard. Your work ethic is amazing.

Be proud of what you have achieved. You sound like a lovely person. Keep it up a year will fly by and you will be debt free. Xx

misstara

ani*fan wrote: »

I'm glad you got your laptop repaired relatively cheaply misstara, I realised that mine only overheats when I play a particular game on it so I've just stopped playing it on there and use the x box instead. Figured it was cheaper.

And yay to your amazing budgeting skills.

Thanks ani, one of the best things about being in debt is that it has taught me how to budget properly instead of just spending on whatever I like.

I'm very happy that it was relatively cheap to fix, I should get it back on Wednesday . Glad you figured out the issue with yours.

Rebecca01 wrote: »

Hi Misstara.

I have just spent the last couple of days reading your diary. You are doing so well.

I have smiled at your triumphs and felt a little sad when you are down; as you really don't deserve that. You work hard. Your work ethic is amazing.

Be proud of what you have achieved. You sound like a lovely person. Keep it up a year will fly by and you will be debt free. Xx

Thanks for taking the time to read through my diary Rebecca and for your lovely post

misstara

Spendy day yesterday - £24.29 on food plus bought my travel tickets for heading back to see my family around christmas time - £12.50. I paid for the travel tickets from the DDs fund so I now need to replace £88.50 from that fund need to find some money from somewhere.

A NSD today must try and get a few more in this week.

misstara

Another NSD today

Got a phonecall to say that my laptop is ready to pick up tomorrow

misstara

Very quick post before bed, another NSD loan payment went out today so debt is now under 4k :j

Payday tomorrow - £88.53
- £30 food
- £15 loan
- £3.53 emergency fund
- £20 social
- £20 DDs fund

in_need_of_direction

You're nearly two thirds of the way there. Really good progress.

misstara

in_need_of_direction wrote: »

You're nearly two thirds of the way there. Really good progress.

Thanks INOD

Haven't managed to post for a few days again. Loving having the laptop back, it makes such a difference - I can now properly type a post instead of pecking it out on my phone.

Friday
Had my girlie night out, was a fab night and still had £15 left from what I had budgeted I've put the £15 into the DDs account. I've worked out that if I put £5 more into the DDs account that should cover the rest of the months direct debits so that's not as bad as I thought.

Saturday
Got the food shop yesterday so spent £27.03. Got a YS pork joint which we had for tea last night and having the leftovers for tea tonight.

Today
A NSD I worked a short shift for 2nd job so that will be around £40ish on Friday. Am finding it difficult to fit in shifts for 2nd job at the moment but even if I can do one a week, it's an extra wee bit of cash.