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misstara's debt diary 2018

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  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Very quick post before bed to say that I spent 12.45 today on food, toiletries and cleaning stuff. I had a lovely walk in the sunshine after work :D
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • You're doing well on this month's exercise target.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks INOD :D. Yep exercise is generally going well however wish it would have a positive effect on my weight :rotfl:

    Yesterday was a NSD :D

    Today I got paid £43.64 from 2nd job so paid the £3.64 to the debt and the £40 covers my overspend from the weekend. Bank balance is looking very sad though and there's still 12 days to go until payday :eek:

    Spent £12.10 on food today, got quite a few ys bargains which have gone in the freezer. Also spent £1.49 on lettuce seeds and 50p on a paper.

    Did a £11 survey on PA so once that clears, I'll be able to cash out again :T
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Managed 2 NSDs over the weekend :). I paid £3.04 to the debt today and I've just cashed out £20.29 from PA :D
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Yesterday was a NSD :D

    Today wasn't as we needed toilet rolls and a couple of other things. Just under £30 left of the grocery budget until payday, should be doable however fridge is looking quite bare.

    Made some soup tonight out of bits from the freezer - chicken stock, chicken, leeks, turnip and carrots, just had to add in an onion. Hopefully it will taste ok as there's 4 portions and I got 4 ys gf rolls while shopping so that's lunches sorted for the next few days.

    £20.29 is now in my bank account from PA. Was hoping to use for something fun like going to the cinema with OH but will need to use some of it for petrol as I don't think the £10 left in the petrol budget will see me through to payday :(

    Feeling a bit fed up tonight - I got my pay slip through and it's pretty good as I did a lot of overtime last month. However I've been doing lots of overtime for the last 6 months and still seem to be struggling to stretch the money to cover the month, we always just seem to limp through the last couple of weeks to payday. Need to try and make a few changes.

    Off to bed, hopefully will wake up feeling more positive.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£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
    Just think you will soon be debt free and all that overtime will have paid off and you will have money to pay with <3 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
  • AleMrsT
    AleMrsT Posts: 577 Forumite
    Hi Misstara, I've not posted or been on here for ages, but I always find it so motivating reading your diary. I think you do brilliantly managing your budget, especially now you have the car. We're struggling at the end of this month too as we spent more than anticipated on holiday.
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    monz wrote: »
    Just think you will soon be debt free and all that overtime will have paid off and you will have money to pay with <3 xx
    AleMrsT wrote: »
    Hi Misstara, I've not posted or been on here for ages, but I always find it so motivating reading your diary. I think you do brilliantly managing your budget, especially now you have the car. We're struggling at the end of this month too as we spent more than anticipated on holiday.

    Thanks monz and AleMrsT for your comments. It will all be worth it once I'm debt free :D

    Woke up today feeling awful and have continued to feel like that all day. Definitely coming down with something so that probably contributed to me feeling fed up yesterday. Been cold and shivery, headache, sore throat and feeling sick all day. Barely eaten anything and went straight to bed when I got home from work. Slept for about 3 hours and now feel marginally better but will be heading back to bed soon. On the plus side, it's been a NSD :)
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Woke up after sleeping for 10 hours and now feel a lot better :D

    Spends for today are £25.94 on petrol and £20.99 on a pair of leggings, a case for OH's phone and a scented candle (paid for by @mazon vouchers).
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Spends for yesterday were £17.29 at the supermarket. Still got just over £10 left in the grocery budget so that should see us through until the end of the month.

    Went for a long walk after work, sponsored walk is a week tomorrow so really really soon :eek: not looking forward to walking 26 miles!

    Day off tomorrow, it will hopefully be a nice day as the grass needs cut. I'll also work on my budget for next month.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
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