misstara's debt diary 2018

misstara

OH has a new phone, sorted within 24 hours and only £30 to pay for the excess Heated airer will be replaced for free, just waiting for it to be delivered and the hoover is now working again

However, part of my tooth broke off earlier :eek: so will have to phone the dentist tomorrow, who knows what it will cost

Did the 10k yesterday and went out for brunch with my friend afterwards which was lovely. I've now only got £10 left in my account and some loose change in my purse but payday is on Thursday so that will easily last.

Decided to download the free trial of YNAB to see if that helps keep me in track. I had been using a free budgeting app but it only tracked my spending and it was hard to keep track of savings for various things.

monz

Spreadsheets are brill if you can use that! I honestly live through mine and made a calender so I know what I agreed to lol xxx

misstara

monz wrote: »

Spreadsheets are brill if you can use that! I honestly live through mine and made a calender so I know what I agreed to lol xxx

I haven't used a spreadsheet since school monz, I don't think I would mind how to :rotfl:

So budget time - £1745.71
- £1100 usual bills
- £200 food/toiletries/cleaning
- £150 car
- £40 car fund
- £40 electricity bill
- £40 emergency fund
- £50 social
- £50 petrol
- £75.71 debt

I've got some time off work in late September and I'd like to go away somewhere with OH, even just for a night. We've not had a weekend away (other than staying with family) since December last year so it would be really nice. Unfortunately there's no spare cash in the budget so any extra money I make from 2nd job will go towards funding this.

misstara

Quick post before bed - dentist appointment is booked for tomorrow, hopefully it won't cost more than £50 as that's all there is in the emergency fund. Spent £3.42 on bread and milk on the way home from work.

misstara

Forgot to say I'll get paid £33.27 from 2nd job on Friday so £30 towards weekend away and £3.27 to the debt

misstara

misstara wrote: »

under £8500 and having £250 saved in the car fund.

That was my aim for before August's payday. Payday tomorrow and current debt is £8547.61 and car fund £200 so didn't make the target I'd set Before September payday I'd like the debt to be under £8275 and under £1000 for debt other than car loan. I'd also like to save an additional £75 in the car fund taking it to £275.

misstara

Dentist yesterday only cost £12.96 :T

Payday today so made a payment to the debt and updated my budget in YNAB. Me and OH went to Lid! and spent £39.71, got heaps of food so should only need milk and a few df things that Lid! don't stock. Will need to get petrol in the way to work.

misstara

Got a full tank of petrol on Thursday which cost £45.39. I'd only budgeted £50 for the whole month so will need to up that.

NSDs Friday and today. Yesterday I took part in Gung Ho with some friends, it's a 5k run with inflatable obstacles which was fun. We went out for lunch afterwards which cost £16.35. I also went to Asd@ to get milk and some df bits, ended up spending £12.96

Tomorrow I've got an eye test and then meeting some friends for tea. I also need to get a new bulb for the kitchen light.

misstara

Only spend for today was £13 on tea out with friends.

misstara

Oops haven't posted for a week been busy busy. Things are generally going ok but have spent far too much of the food budget as usual . Off to bed now, back tomorrow with a proper post.