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misstara's debt diary 2018

edited 30 November -1 at 1:00AM in Debt Free Diaries
485 replies 40.3K views
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  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Didn't manage a NSD as OH needed milk and I also got a deodorant and some jelly pots - £6.20 spent. Went for the run this morning and ran a bit further than usual even in the heat. We've got a 10k at the end of the month so trying to work up to that.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Payday from 2nd job and got £36.23 so £14.50 to car fund, £14.50 to clothes fund and £7.23 debt repayment.

    Had a nice evening with OH, went for a wee walk and then to the local pub for a drink and some chips to share :D. Spent £7.13 which will come out of the social fund. Came home and watched a film together.

    Supposed to be my weekend off but working overtime at my job. Not really in the mood for it but the extra money always comes in handy :D
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Had a fairly lazy morning about the flat, pulled up the first tatties and onions from the garden so will incorporate them into tea tomorrow night :D

    Today will be a spend day as I'm meeting my gran for lunch and also need to buy contact lens solution. Then off to work for a late shift. I'm going to park at work as it's fairly central and then walk into town to meet my gran saving a few £s on parking :money:
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • in_need_of_directionin_need_of_direction Forumite
    6.5K posts
    Sixth Anniversary 1,000 Posts
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    Would it also count towards your exercise target?
    Mortgage at 01.01.14 £119,481.83:eek: today £61358.62 Offset fund today 1246.16 target £2000 by 31/12/20
    Emergency fund £5.5/5.5k & £200/200 cash.:j
    Weight 24/02/19 14st 7lb now 13st 7lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.:T
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Would it also count towards your exercise target?

    Definitely, it was around a 40 minute walk there and then back to work.

    It ended up being a NSD as my lovely gran paid for lunch and we yapped for so long that I didn't have time to get contact lens solution.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Very quick post as I'm up past my bedtime :rotfl: Another NSD but I've now totally ran out of contact lens solution so must get that tomorrow. Went out for a run this evening with my friend, it's only 3 weeks until the 10k.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Spendy day today - £25.45 on food, £5.50 on contact lens solution and eye drops plus £12.25 on new keys and key chain. OH managed to lose his keys, our next door neighbour has a spare set so at least he was able to get in without having to traipse up to my work to get my set. Got 2 new keys for £10 (just in case he loses them again) plus a key chain for £2.25 to hopefully prevent this. Took money out of the emergency fund for this. Decided to try some cheaper eye drops, £2.50 rather than the usual £10ish so will see how I get on with those.

    Had an email today asking for meter readings so have submitted them. Such a faff getting to the electricity meter but don't want to be caught out with a huge bill like last time.

    Had pork chops for tea with tatties from the garden :D very yummy. I've added £3.50 to the car fund so now at £200 :T
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Quick post before bed, really need to start going earlier, no wonder I'm always tired :o. Was on a late shift today so went for a run this morning, did 7k :). It's been a NSD.

    Managed to pick up a shift with 2nd job for next week and there's a possibility of one this week too. I let them know I couldn't do the full shift offered as the shift starts at 2 and I don't finish my usual job until 4 so they're going to see if that would be ok and get back to me.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • edited 8 August 2018 at 9:33PM
    misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    edited 8 August 2018 at 9:33PM
    2nd job got back to me today and said it's ok for me to go to the shift after usual job :) so that will be £25ish next Friday. They also offered me another short shift for next week so that will be £50ish the week after.

    Really been struggling with motivation to do anything round for the flat for the last week or so, this evening I set a timer on my phone for 20 minutes at a time and just did a little bit - all the recycling is now in the bin outside, kitchen and bathroom have been cleaned and I've dusted in the living room.

    OH is really not well tonight - tired, muddled and balance issues so he went to bed about 2 hours ago. Hopefully he'll be feeling better in the morning.

    Got an email about the electricity bill today and it came to £134.13, much more manageable than last time. I had £110 saved towards it, have paid the rest from the usual bills account and will pay it back from my wages from 2nd job. A direct debit went out today as well so rounded down the bank account and paid £3.27 to the debt.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Forgot to say it has been a NSD today :)
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4405.60 (11.8% paid)
    Emergency fund - £590.50/£1000. Car fund - £710/£1000.
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